Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present Equifax security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, Equifax and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Complaint sub-issue: Banking errors

On XX/XX/2020. Ally bank ( XXXX. XXXX XXXX XXXX XXXX, PA XXXX ) became aware of a human error that caused my information to appear on another customer 's B Notice, a backup withholding document. The XXXX  requires that Ally bank validate my name and Social Security number if their records vary from theirs. 

The information that was involved included my full name and Social Security number. 

Ally Bank claimed that a corrected B Notice was sent on XX/XX/2020. They said they contacted the customer who received my information and requested that he destroy the Notice sent in error. 

Ally Bank states that they engaged XXXX to provide me with its XXXX XXXX XXXX for two years, at no charge. 

I called the bank many times in the past month asking for a valid explanation and a feasible solution to prevent being a victim of identity theft. They will not investigate o take other actions regarding this problem.
Complaint sub-issue: Trouble getting, activating, or registering a card

On XX/XX/XXXX of this year my unemployment agency had requested a card from relai card/ US bank services for me to receive my unemployment benefits on. Online it states that the card should be received within 3-5 business days. On the 6th business day I called the company because I have yet to receive my card they told me that it will take 10 business days due. I said okay well on the 11th business I still havent received my card so I gave them a call back. During this time they told me my card was in the mail.On XX/XX/XXXX I contacted the company again on this day they told me my card hasnt processed and that they would issue me out another card which would be expedited shipped and I should receive it within one to twXXXX business days. Every time I called I got a different answer and no one can tell me why my card hasnt even been shipped. It is now XX/XX/XXXX almost a month later and I still dont have my card. I have bills
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. This company may also be a closed company and this account is possibly older than 7 years old. 

These accounts are negatively affecting my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Account status incorrect

THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT. 

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).
Complaint sub-issue: Can't stop withdrawals from your account

On XXXX XXXX, I noticed my Citibank checking account had {$3100.00} of unauthorized transfer. I immediately contacted the bank and asked for a hold to be placed on my account. The person said it had been done but on Monday XXXX XXXX I was informed by my local branch that the account was not in hold status and another {$550.00} had been withdrawn. I again asked for the account to be put on hold, but the banker was not able to do that and I was forced to call the main bank again. The woman at Citibank I spoke with assured me that a hold was placed on my account ( after grilling me about why I wanted a hold placed and if I WAS SURE that I wanted to block it and that I knew that only I would be able to unblock it ). Then today, XXXX XXXX, ANOTHER unauthorized transaction for {$1200.00} was taken from my account and it turns out my account was never put on hold. The incompetence of this bank has allowed my account to be nearly drained, and though they have eventually given the money back, the stress caused by this incompetence is unacceptable.

Also, the bank pressuring me to open a new account is ridiculous. Why would trust that they could manage that one any better than this one?
Complaint sub-issue: Debt is not yours

Pro collect has been sending me collection papers for the amount of XXXX and the collect is past due, I do not know this company and have no affiliation of any kind
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX MACYS with Account XXXX and a balance of {$5500.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

I RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit report shows inaccurate and unverified inquiries from multiple sources. 
I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notice from Equifax dated XX/XX/22 stating that " they will not conduct any further investigation '' because they claim that they have already done an investigation. 

I am requesting that they send the investigative consumer report explaining who they interviewed because I never saw any reporting explaining how they verified any information. To verify anything it needs to be sworn under perjury and they have not done that. 
I am also requesting a record of permissible purpose that they are supposed to have on file in their records that came from my written instructions or consent.
Complaint sub-issue: Used obscene, profane, or other abusive language

Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX
Complaint sub-issue: Banking errors

My bank, Albert, advertised a {$75.00} bonus for moving your qualifying direct deposit to their institution. I moved my direct deposit to my account and received the first deposit of {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX I messaged them regarding the bonus because I had not received it. They advised that it had not been automatically detected y their system but not to worry it could be done manually. They requested a copy of my paystub, at which time I informed them it was a benefit deposit but that I did have proof. I sent them a copy of my benefits verification and was told to expect the deposit any day. 
On XX/XX/XXXX, after still not receiving the bonus, I reached out to their support team once again. I told them of the previous conversation and once again sent my benefits verification letter. They responded and told me my deposit did not qualify because it was benefits and not from am employer. I screenshot the terms and sent that along with a statement that it clearly states benefits do qualify but that short-term benefits do not. My benefits have been ongoing since 2002. They repeated their previous claim that mine did not qualify because it was not from an employer. They advised me to sign up for a new account and bring my direct deposit and then I will get the bonus. I told them I would be filing a complaint. Some days later it crossed my mind to check under the option to automatically connect and transfer my direct deposit and see if Social Security was an offered option. It turned out it in fact was as well as SSI being one. Still I am being denied the bonus.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all XXXX of my nelnet accounts and I was never late. 
Each bureau is also reporting multiple late payments for my XXXX XXXX XXXX XXXX accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Information belongs to someone else

The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX  XXXX {$1100.00}
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXe : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Frequent or repeated calls

Macy 's card debt collection calls me 2 to three times a day. They called me twice on the phone number and 3 times on my wife ' number in 1 day. This is a violation of FDCPA. They have been doing this for the last 4 months. This is harassment.
Complaint sub-issue: Account status incorrect

EQUIFAX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! XXXX XXXX XXXX XXXX WILL ACQUIRE NOTHING. IF TOU DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS PHOMEA NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. EQUIFAX AQUIRED 3RS PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. THWIR GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT EQUIFAX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE EQUIFAX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE EIFHT PRICE. BE WARNED EQUIFAX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX closed Late dates : XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$4400.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9700.00}.