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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 account or information which is found to be opened due to identity theft. The dispute item 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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8200.00} If you feel there is a possibility this account 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: Banking errors

I signed up for a bonus that gives {$400.00} for opening a checking and {$100.00} for opening a savings after meeting the terms. I received the checking bonus, but did not receive the savings bonus. I have called and US bank is dragging their feet. It has been well over 60 days per the terms for me to receive the offer and they have not done anything to resolve this. 

This was offered online and in branch. I have also attached an online flyer that I found after US Bank couldn't keep up with their own offers. The phone agent said he saw the code attached to my account but it has been many weeks with no resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All.of these accounts on my cresot report that I didn't authorize proofnis in the uploaded file
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Attempted to dispute issues on my credit report when attempting to verify my information equifax keeps saying the info I am providing is incorrect and when I spoke with a supervisor I was told nothing could be done and the questions they asked are broad based and don't ask specifics.
Complaint sub-issue: Not disclosed as an attempt to collect

Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 a account without my written instructions
Complaint sub-issue: Debt is not yours

I got an email a few months ago from XXXX that this account was added to my report. The company is Recovery One LLC. Not only do I not have any knowledge of this account I was never contracted by mail or phone about owing a debt. I have called, disputed and wrote a letter explaining this is not my debt. Also the date of birth they have in their records for me is not correct.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a Best Buy and a Home  Depot Card through Citi Bank. Unfortunately on XX/XX/XXXX I was XXXX  with the XXXX. Since then I have struggled with my health and been XXXX  XXXX. I am also a XXXX XXXX XXXX who had to shut down and has been out of work since XXXX as well. I received tons of calls within 2 days after my first EVER missed payment and I told them I had XXXX and to please stop calling 5-10 times a day about the payment because I was deathly ill and couldn't make it right then but will once all this is over and I am able as I have NEVER missed a payment. They offered no assistance and were very rude and shut my card use off completely. IN A TIME OF CRISIS THEY SHUT MY CARDS OFF BECAUSE I WAS LATE ON MY PAYMENT FOR THE FIRST TIME IN ALL THE YEARS IVE HAD THESE CARDS WITH THEM. Since then they have reported to my credit bureaus that I am past due badly damaging my credit rating and also added late fees for XXXX and XXXX now and interest charges as well. I applied on their website for assistance and they denied me. I am appaled this is how they treat their consumers during a global pandemic. Especially one with accounts in good standing until this happened. This is absolutely unacceptable and they need to make this right.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXXXXXX XXXX XXXXXXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Information belongs to someone else

This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.
Complaint sub-issue: Reporting company used your report improperly

2013 I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin Senators office.
Complaint sub-issue: Problem with product or service terms changing

1. Equifax was hacked mid 2017 and did not properly secure confidential information for over 143 million Americans.
2. Management found out the issue and dumped stock prior to disclosing the hack. 

3. A poorly created website was set up to " help '' people who could be affected by this hack. However, as this website it not connected to their servers it is easy copied and turned into phishing sites which will compromise even more people. The website also attempts to squeeze out of arbitration through " implied consent '' through use of the provided XXXX XXXX coverage.
Complaint sub-issue: Their investigation did not fix an error on your report

i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Complaint sub-issue: Other problem getting your report or credit score

Can't get into the Equifax website because the security questions do not match my background. Whenever I send a correspondence in any form, I always get an email in return that sends me to the same website with the same erroneous security questions, that are not in my credit history The email states that I will find the resolution to this issue on the website. The website I can't get into. It also states that if they do not hear from me in 24 hours the issue is deemed closed. The issue is obviously not resolved with no way to resolve it. 

When I call they have the same security questions that are not mine and they will not allow me past that phase in order to resolve the issue that the security questions do not belong to my file. It is a vicious circle. 

I have been long retired and one of the questions is in regards to a student loan taken out in 2017. I do not have a car loan or a home mortgage. Nor do I have a store credit card. I don't know who's credit history they are getting the security questions from but it has nothing to do with my background. They will not talk to me until I answer their questions correctly. How is this issue to be resolved if I can't get through to communicate with an actual person? 


If someone is using my credit history for their own purposes I have no way of finding that out.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Problem with fees

I opened a Illinois State Lottery account and attached a XXXX credit card to purchase lottery tickets online. I did not realize that each {$5.00} lottery ticket purchase was assessed a {$20.00} Cash equivalent fee by XXXX XXXX. non of this was disclosed to me when I registered the card and subsequently made several purchases, 11 transactions in 3 months and {$220.00} in fees later. I contacted XXXX and asked to have the fees waived and discontinued using the online lottery account. XXXX responded that the fees were valid and only issued me a credit for {$40.00}. I want all the fees waived and returned to me. They said the fees were disclosed on the application when I applied for the card several years ago. I am aware that many transactions are conducted online with credit cards, and a disclosure of fees applicable appear when you check out. In this circumstance there was no such disclosure or I would not have completed the transaction knowing that the fee was going to be {$20.00} to make a {$5.00}. purchase.
Complaint sub-issue: Old information reappears or never goes away

In XXXX I opened a Macys card unfortunately due to a divorce that card was charged off in XXXX I received a letter stating that the account would be removed from my credit report permanently ( which I misplaced ) however as of today XXXX XXXX I can still see that information on my credit reports .I would like the information to be validated that this is an old account that is past the statute of limitation and seeing that is delinquent or derogatory reporting to have it removed from my credit file permanently.
Complaint sub-issue: Trouble with how payments are being handled

The Institute closed after I graduated in 2015. I have over {$20000.00} in student loans and I cant use my degree. I cant even transfer my credits to another college. I went to XXXX XXXX for 2 years for nothing.
Complaint sub-issue: Information belongs to someone else

These aren't my accounts, and I didn't authorize these inquiries.
Complaint sub-issue: Information belongs to someone else

This company is the worst they should be out of business Im a victim Of identity theft and they have my police report they refuse to block fraudulent accounts and inqueires which XXXX  has already deleted these people Will Report things for years and dont care their system is old and outdated and they dont remove anything even though they say they will it still reports
Complaint sub-issue: Deposits and withdrawals

I attempted to deposit a check drawn on a PNC account into my PNC account and was told the check was being put on a general hold. I received an email from PNC stating just that with no further information but to expect a letter in the mail stating why. I called PNC, the customer service rep told me they just need to verify that the funds will be covered. It is PNC to PNC, she gave me no reason as to why they could not verify funds in the account that check is being drawn on despite it being another PNC account. She said it could take five business day. I deposited the check on XX/XX/XXXX before XXXX. Five business days would be Tuesday the first, but they are holding until XX/XX/XXXX with no reasoning why.
Complaint sub-issue: Problem using a debit or ATM card

I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$46000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$550.00}
Complaint sub-issue: Debt was discharged in bankruptcy

the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Information that should be on the report is missing

I'm having problems signing in to credit karma
Complaint sub-issue: Account information incorrect

These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX of XXXX I have been dealing with Equifax and the incorrect reporting on my credit report. My latest efforts On XX/XX/XXXX are in response to my request for validation under the FCRA 809 ( B ).

Per my rights under FCRA 611 ( a ) ( 7 ) I am currently requesting a full report of all methods used to investigate and validate my disputed accounts.

This is no longer a matter between the alleged account holder ( company ) and my person because Equifax has taken the responsibility to investigate the validity of these accounts and is representing them as true. When we both know no such accurate validation has been provided to me or Equifax. Not only is Equifax reporting false information, but they are doing so without my permission on my credit report. As a consummer reporting agency Equifax is in violation of several portions FCRA and FDCRA. If it is Equifax position to continue to represnt this inaccurate and invalid information on my credit report I have no recourse but to pursue this matter in court.

I am expecting the full report of methods of validation from Equifax with 15 days of receipt of my request or the removal of all 8 invalid accounts. If I receive anything from Equifax other than the original contract between myself and the account holder on my credit report the accounts should be removed immediately by law. My notice was received by Equifax on XXXX XXXX XXXX. Thererore, this matter is to be resolved by XX/XX/XXXX. 

I have personally written and mailed all my letters and done my own filings myself and have had Equifax responds by saying they do not believe it is me. I have provided them on numerous occasions my ss card and drivers license. If their reponse to this complaint is a stall tactic like that it will be taken as failure to repond to my certified notice and request and I will be forced to pursue them in court for that violation as well.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB Complaint as a follow up CFPB to my previous CFPB Complaint that I have submitted. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the fraudulent accounts and information from my Credit File, and yet the Credit bureaus have done nothing! I have also been requesting that the Credit Bureaus send me copies of proof of verification or proof of ownership to verify that the information being reported are velid. However, the Credit Bureaus have sent me nothing! This CFPB Complaint is to inform the Credit Bureaus that I am willing to file a lawsuit against the Credit Bureaus in the event that the Credit Bureaus do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit File : 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 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 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 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. The Credit Bureaus have been failing me for the last months and I have suffered due to their incompetence. In the event that the Credit Bureaus do not comply with the Federal Law, expect a lawsuit against the Credit Reporting Agencies.
Complaint sub-issue: Account information incorrect

US Bank is reporting inaccurate information on my credit report by the fact that each bureau is reporting different monthly payment amount. Information is not matching and is not accurate.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to protect my identity. 3 breaches have my personal information!
Complaint sub-issue: Attempted to collect wrong amount

Afti/Comcast says I didnt pay a bill of {$230.00} from XXXX 2022. This is an error on their part. I ordered a new service but Customer Service had all wrong information. When tech came to home to install he had all wrong equipment, etc He corrected new service order and I waited another week for installation. I believe this {$230.00} amount is two months of what was ordered wrong. I am currently paying on the correct service monthly with Comcast ( paid on time each month ). I do not owe them {$230.00}. Besides all of this, Comcast never communicated with me in anyway that this was due. It just showed up on my credit report.