Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXXN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX AND XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Complaint sub-issue: Other problem getting your report or credit score

My name is XXXX XXXX and my social is XXXX. I've now called Equifax'es call center at least five times to resolve an NH ( no history ) code that prevents me or anyone else from being able to pull my credit report and scores. I searched for this code on XXXX and it appears that this is related to a credit report freeze and fraud alert that's keeping my information from reporting. I've faxed them all of the information that's required to lift the freeze five times now with confirmation and they have acknowledged several times that the freeze was being lifted and it's been over a month. I am hoping that you can help me resolve this issue because it's legitimately keeping me from buying a house.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have a Best Buy store credit card, and was enrolled in the debt protection plan on XX/XX/XXXX. I have a letter sent to me by Best Buy Credit Services that also confirms that date. 

Over the past 6 years they have collect $ 800+ from me for this " protection plan ''. 

I called and cancelled the service in XX/XX/XXXX of this year and applied for a full refund of the funds. I was sent a letter back declining my application for a refund due to : " Account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I've never once received any assistance from this program, and the above language makes absolutely zero sense. 

I found the document file number : XXXX that is a consent order given to Citibank outlining the exact thing that I was hit with. Page 4, section c states : " 'Affected debt protection customer ' is any person who on or after XX/XX/XXXX enrolled in : Credit protection at point-of-sale terminals or balance protector at point-of-sale terminals at specialty services desks, except for such customers who submitted a claim for benefits pursuant to the respective product 's terms and conditions and were paid a benefit, or who signed and returned to respondent an acknowledgment of membership form after enrollment '' I do not ever remember accepting into the program, and I certainly didn't fill out a membership form. I NEVER received any letters or emails from Citi regarding the {$700.00}  XXXX they were ordered to pay back to their customers. 

I was a XXXX college student, who had to buy a computer in order to finish my education. Of course having a 0 % APR for 2 years is extremely appealing when that's the exact time frame of you getting out and getting a real job. In the 10 years I've had their card, I've never missed a single payment. It disgusts me to find that I'm only one of millions that got scammed out of cash just so a corporation could make a few extra . 

I would give an exact amount, but I can't seem to get a complete lists of all my statements since XX/XX/XXXX from Best Buy. 

Any help in this situation would be extremely helpful. I've called their customer service number many times, but without fail I'm put into a never ending loop of forwarding to departments. 

Regards, XXXX
Complaint sub-issue: Information belongs to someone else

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with US Bank. I've never applied with US Bank. I called US Bank XXXX XXXX XXXX XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Complaint sub-issue: Information belongs to someone else

XXXX : EQUIFAX : XXXX The XXXX is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX   6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contracted XXXX to create a website for my painting business in early XX/XX/2021. On XXXX they advertise their services as having a XXXX XXXX money back guarantee on their design as well as prompt turnaround times of XXXX hours or less on any revision to my website. They also promised a seamless website design experience. This is all on their homepage clear as day. 
I have gone thru XXXX of XXXX XXXX web site designers. They each failed spectacularly at their task of creating a simple easy to use website for my painting business. 
Their turnaround time was not XXXX hours, it was typically about XXXX weeks to get a response. Even after waiting XXXX weeks for simple changes such as my partners name to be added as well as his phone number, to remove repeating text on the page and to remove a section to says that we sell commercial flooring. We do not sell anything and these changes were not made after XXXX or more attempts. They finally delivered a terrible website to me mid XXXX and I was not happy. I let XXXX my project coordinator know that at this time I was no longer interested in any further revisions as I was not waiting any more for this project to be delivered and I was unhappy with everything from the beginning. 
I disputed the charges with citibank ( the credit card used for purchase ) and they said they would investigate the charge and my dispute. They finally updated my credit system today and reversed the dispute. I spoke to XXXX agents from citibank dispute team and tried to let them know that this was fraudulent charges at this point as I have been scammed by XXXX. I even provided the emails and texts as well as their guarantee of XXXX % money back if I wasn't happy. 
Citibank told me that there was nothing that they could do and they could not reopen the dispute. 
It is clear that they did not investigate anything related to this dispute and they are holding my XXXX XXXX XXXX. There is no reason at all that I should have to pay for this when they state that there is a XXXX % money back guarantee right on their website. I've provided proof, I've contacted XXXX several times asking for my refund but they do not answer my calls or my emails. I am extremely frustrated with citibank and feel they are equally responsible for this fraudulent charge being placed on my credit. 
I tried to get the supervisors name from citibank and she would only provide me the information " XXXX from the XXXX office ''
Complaint sub-issue: Their investigation did not fix an error on your report

The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these accounts
Complaint sub-issue: Public record

There are XXXX invalid and prematurely placed liens reporting in the public records section of my file. lien 's labeled under ID # XXXX and ID # XXXX need to be removed. I have repeatedly disputed these accounts as they have been removed from my name and are no longer on my name in the county and federal courts. These liens were accidentally placed and no longer valid nor have been valid for years now. I keep relaying this information to Equifax to remove them but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that they are NO LONGER ON FILE and are not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?
Complaint sub-issue: Account information incorrect

Around XX/XX/2018 Equifax used another reporting agency to add a account. I was disputing a XXXX XXXX account where I submitted a XXXX credit report to reflect what the accounts should look like ( paid in full ). On that report XXXX  listed a account I was in the process of disputing XXXX. I called Equifax who states that XXXX sent over the information. I then kept on asking for the proof like some sort of contract with my signature and equifax refused to give me the proof where they got the account from. I finally called the creditor who stated any account closed for several years they wouldnt have reported on. They even wrote me a letter stating they could not find a account in my name during there search. When equifax used my XXXX report on a totally separate matter they broke the law under FCRA. I demand if they cant produce actual correspondence with creditor XXXX with a Auto loan contract to remove the closed account. Each reporting agency has there own way to collect data on a individual using something other then the creditor to verify a account is morally wrong. Again im demanding proof of the correspondence between XXXX and equifax. If nothing is found this should be removed per the FCRA. I have recently submitted a dispute but that dispute shouldnt exist. No matter what case I have for XXXX  at this time with equifax should be removed if proof cant be produced how they aquired it. Its a bit odd this account showed up when I submitted a credit report from someone else
Complaint sub-issue: Debt was paid

The debt was paid to the original creditor. Proof of payment is attached.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My Coinbase debit card was stolen and used unauthorized online on XXXX. 
I reportedit immediately. 
They opened cases for each claim and so far denied XXXX claim. 
Case numbers are. 
Case # XXXX Case # XXXX Case # XXXX Case # XXXX Merchant name : XXXX XXXX -Date/time of transaction : XXXX transactions. 
XXXX XXXX XX/XX/22 XXXX XXXX. XX/XX/22 XXXX XXXX. XX/XX/22 XXXX XXXX pm XX/XX/22 -Transaction XXXX transactions XXXX {$260.00} XXXX {$260.00} XXXX {$260.00} XXXX {$260.00} -Dispute amount ( must include original transaction amount ) : {$1000.00} -Was your physical card compromised? Yes -Is the card still in your possession? No -Was this a recurring payment? No -Have you purchased from this merchant in the past? No -Have you tried to contact the merchant to resolve? Yes -What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received?? None
Complaint sub-issue: Can't close your account

I have been trying to receive a credit card from citibank since XX/XX/2018. Unfortunately, the two times they have tried sending my card since then have not been successful. I tried to cancel my card afterwards but despite being able to answer all my personal questions, they refused to do so on the grounds they could not send a message to my personal phone. They have sent a letter that would allow for my identity to be verified, except I have until now received no mail from them, so I am not confident this will work either and when I pressed them as to what will happen if the letter does not arrive, I was told that they are not sure. I am uncomfortable that I have an open account that I can not use and can not close.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

XXXX : I sold my home at XXXX XXXX address of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as reflected on the executed XXXX Title and Trust Master Statement attached. 

XXXX : Per the attached XXXX statement provided by XXXX XXXX, I fully paid the XXXX " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the balance to {$0.00}. 

XXXX : It also shows that I cancelled the service - see " CANCELLED - ELECTRIC SERVICE '' and paid a total of " {$250.00} " to bring the account balance to " {$0.00} '' Per the fully executed XXXX Title and Trust Master Statement, this service address was no longer my responsibility as XXXX - and I made sure to fully pay the " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the account balance to " {$0.00} ''.
Complaint sub-issue: Investigation took more than 30 days

I have sent multiple letters of dispute over the course of 4 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 

XXXX XXXX XXXX Dates XXXX
Complaint sub-issue: Transaction was not authorized

I reported unauthorized charges on my account in XXXX that occurred in XXXX. I waited the 30-45 days for a response and even filed 2 additional disputes. When I continued to be ignored by my financial institution, BancorpSouth, they told me that they had no legal obligation to assist me as it has now been beyond 60 days. However, they did acknowledge receipt of my written complaint within 30 days of the charges occurring. From my understanding of the FCRA they are actually the ones who have 30 days to reply to me and if I am not given a response their obligation is to refund the charges. I've spoken to several different managers with my bank and they prefer to bend the law to suit their needs. The charges were in the amount of {$170.00} and {$44.00} from XXXX XXXX XXXX. Please assist me in getting my money rightfully returned to me as is required by the FCRA.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Account status incorrect

I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Complaint sub-issue: Their investigation did not fix an error on your report

I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to obtain my first home and my mortgage lender, XXXX XXXX XXXX from XXXX XXXX Bank tried to pull my report on XX/XX/21 and could not obtain it. The message from Equifax stated the following : Information from your inquiry has been identified as potentially fraudulent or misused. Therefore the credit report is not available for delivery. 

Inquiry information identified as fraudulent by consumer-report not available. I never called and reported any inquiry information was fraudulent to Equifax. I have written these people with letters, I have called and spoken with represenatives and they have lied to me and informed that the infomation would be removed. Then when my lender went to pull my credit again, the same thing was still on my credit report. This information is false. I don't appreciate this erronous information being put on my credit without even notifying me of this action. 
The action I would like for you to take is to have them remove this information off my credit report immediately and to not place anything on my report like that again without notifying me in advance.