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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX  XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance XXXX and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Old information reappears or never goes away

My account was recently discharged XXXX XXXX XXXX still showing its open on my credit report. I tried to have a disputed and remove from my credit report
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers : XXXX
Complaint sub-issue: Received bad information about my loan

My payment on the loan is due tomorrow. I called to simply ask whether if I paid tomorrow, would it go through in time? Or whether I should make a payment today? The service rep did n't know so put me on hold to talk to her supervisor. She then told me that a late payment wo n't go on my credit report for 90 days so I could wait 90 days to pay. This is not at all what I asked ( which I told her ) but she encouraged me to pay late on my loan.
Complaint sub-issue: Account status incorrect

Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by Covid 19 my husband lost his job and he has just recovered from XXXX XXXX  prior to that and the kids had to stay home and I have XXXX  children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of COVID-19 and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX XXXX XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And I have an credit card account with XXXX XXXX XXXX XXXXXXXX na its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the PO Box .
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX is reporting by the last five years to the credit agencies a car repossession that never happened. I already wrote to the credit bureau agencies about this situation, but the bank continue sending information about this situation that never exist. I do have my car title from about five years ago and move this motor vehicle from XXXX XXXX to XXXX on XXXX, 2016. I still have my car with me in XXXX, FL.
Complaint sub-issue: Their investigation did not fix an error on your report

I am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to XXXX and Equifax credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.
Complaint sub-issue: Information belongs to someone else

Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.
Complaint sub-issue: Account terms

XXXX XXXX XXXX has my previous account ( XXXX -- ended in XXXX 2014 ) in collections ( XXXX, phone : ( XXXX ) XXXX, partial accountant number XXXX ) because XXXX states I signed a contract for reactivation of XXXX of my XXXX cell phones ( XXXX ) on XXXX XXXX, 2014 which made me break the original contract by getting XXXX new phones/contract with XXXX on XXXX XXXX, 2014. 
I DID NOT SIGN A REACTIVATION CONTRACT WITH XXXX. 
XXXX WILL NOT PROVIDE THE CONTRACT SUPPOSEDLY SIGNED BY ME. 
All credit companies have this incorrect information in the amount of {$310.00} and XXXX refuses to show documentation of this supposed documentation. 
I have been disputing this incorrect charge since XXXX 2014!!! 
I signed a contract with XXXX on XXXX XXXX, 2014 when all three phones were no longer in contract with XXXX. 
Now XXXX has bought out XXXX ; so XXXX is now XXXX. 
The new " XXXX '' is updating all XXXX XXXX clients with giving them new Android XXXX XXXX 
I can not received new XXXX because of this incorrect collection statement on my credit reports .... EVEN THOUGH IT IS XXXX 'S FAULT. 
My credit score has suffered immensely because XXXX refuses to provide the documentation that I supposedly signed a reactivation contract. 
Unbelievably, some of my insurance premiums went up because my credit score went down because XXXX will not provide the documentation. 
I can not get a lower interest rate on refinancing my house because my credit score went down because XXXX will not provide the documentation. 
This incorrect collection accusation is causing havoc in my life not to mention if it is not taken off my credit reports, the incorrect collection will follow me the rest of my life. 
Again, I have been disputing this incorrect accusation since XXXX 2014. 
If XXXX can not provide the 'signed contract of reactivation '' which I did not sign, then they need to recognize a mistake was made on their part somehow, somewhere, sometime and admit to it. 
When I call XXXX, Customer Service says they can see where I have reactivated the phone on XXXX XXXX, 2014 but they can not find the contract. 
I say, " If you can not provide a signed contract, then you have no proof to accuse me of signing the contract ''. Customer Service says I am right, but there is nothing they can do as it is already in collections. EVEN THOUGH I BEGAN CALLING THEM XXXX 2014. 
Please request XXXX to provide the contract, or copy of thereof, with my signature on it or admit this collection charge is in error and remove it from my credit reports. 
Thank you, XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I did ordered 2 pieces of shoe racks from XXXX  as a XXXX gift for my XXXX old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, overstock ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. 
I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to zero balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " THE BUREAUS '' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from The Bureaus to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor The Bureaus a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
Complaint sub-issue: Was not notified of investigation status or results

PNC BANK failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Complaint sub-issue: Information belongs to someone else

I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX/XXXX-XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.
Complaint sub-issue: Reinserted previously deleted info

I have been disputing this account repeatedly with documentation showing this account does not belong to me. I received notice from Equifax dated XXXX/XXXX/15 under dispute # XXXX stating that the disputed account no longer appeared on my report. I checked my credit file today, XX/XX/2015- and the account is still there.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from XXXX  XXXX XXXX , XXXX. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that XXXX  check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to Equifax several time via phone and mail and have yet to receive a response to have these verified as I requested these inquires. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I DID NOT authorized this inquires : XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OnlineXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Public record

I had outstanding state taxes due to the Georgia XXXX I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The Equifax credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Equifax Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Want USI, XXXX XXXX to stop harassing. Debt to XXXX XXXX of XXXX from XXXX2008 to stop. In over 25 calls just now got their address. Threatened that complaint has been made. They said they are bonded in TX but could not find them on XXXX site. This is beyond RD 4 year statute of limitations. They are calling family members and their family members
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I RECEIVED THE EIP VISA DEBIT CARD FROM US GOVT. 
I FOLLOWED INSTRUCTIONS TO CALL XXXX. MULTIPLE CALLS RESULTED IN SAME INSTRUCTION TO ENTER A PIN ON AUTOMATIC MENU, NO AGENT SERVICE. ACCORDING TO INSTRUCTIONS ( on line and written info ), THE AUTOMATIC MENU IS SUPPOSE TO ASK ME FOR LAST OF SS #. 
I NEVER HAD THAT OPTION. 
I TRIED UNSUCCESSFULLY TO REGISTER ON LINE BUT WAS UNABLE TO ESTABLISH A PIN. I WENT SO FAR IN THIS FUTILE PROCESS THAT I REGISTERED WITH THE BANK, MONEY NETWORK, IN THE HOPES TO BE ALLOWED TO ENTER A PIN FOR THE DEBIT CARD. I HAVE TRIED CALLING THE MONEY NETWORK BANK BUT CONTINUOS BUSY SIGNAL. I DO NOT WANT TOBE PART OF THIS BANK 'S SYSTEM. VERY POOR CUSTOMER SERVICE. 
I WOULD GREATLY APPRECIATE HELP IN GETTING A PIN IN ORDER TO USE THE EIP  CARD.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On, XX/XX/2020, my Economic Impact Payment Card was stolen at the XXXX  parking lot in XXXX, CT. My wife 's purse was stolen approximately XXXX from the shopping cart. XXXX Police was called and a police report was issued. 

It looks like the thief used the card after XX/XX/2020 and made several unauthorized transactions ( 27 disputed ). 

I notified Money Network ( A First Data Company ) on XX/XX/2020 that the card was stolen on XX/XX/2020 and all future transactions ( 27 disputed ) was unauthorized. There was also a return made on XX/XX/2020 but I have no idea by who. 

Money Network 's responded on XX/XX/2020. I called them several times. I spoke with XXXX twice and she said don't worry we will review all disputed transactions despite the notices only listed 7 disputes. Later, Money Network responded on XX/XX/2020 that the dispute was considered closed since a return of {$47.00} was made on XX/XX/2020. I did not make this return on XX/XX/2020 since the card was stolen on XX/XX/2020 at XXXX. 

I don't understand Money Network 's position. The card was stolen and a police report was issued. Please assist me.
Complaint sub-issue: Account status incorrect

1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX  Bankruptcy was Discharged on XX/XX/2016.

2. Ally is reporting to both XXXX and XXXX  that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID.

3. Ally is reporting to both XXXX   and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Old information reappears or never goes away

There are multiple closed accounts on my credit report which are 7, 8, 9, 10 and even 11 years old which are closed out. Most are from XXXX and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even twelve years old.