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

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act this creditor has violated my rights under the 15 U S C 1681 section 6 O 2 states i have the right to privacy 15 u s c 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 u s cs 1666 b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Complaint sub-issue: Their investigation did not fix an error on your report

FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with Equifax and XXXX, some have been deleted but these three account are XXXX  my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you
Complaint sub-issue: Reporting company used your report improperly

On XXXX 2017 I received an email from XXXX alerting me that equifax had a data breach. They suggested I lock my XXXX credit file, but this requires signing up for a $ XXXX/mo ( {$5.00} first month ) premium account which I 'm not interested in. 

They also suggested ( via a link ) that I create a 90-day fraud alert, but their systems did n't allow to do this immediately. They required that I physically mail them which is not possible as I 'm traveling without my social security card ( copy required for identification ).
Complaint sub-issue: Didn't receive advertised or promotional terms

Reviewed several credit cards regarding the best sign up bonus. Reviewed on numerous sites including XXXX. based on rewards and sign up bonus I chose the citi pretige card. I have articles which show points offers of XXXX and XXXX before and after I signed up. Upon signing up I quickly spent the required amount to qualify for the sign up bonus. The points never came. I called several times to see the problem. Each time I was given different answers. First I was told I didn't qualify. I said I have a XXXX limit and XXXX credit score how don't I qualify. Next told that there was no offer. I presented the articles demonstrating the offers. Then Citi stopped responding.
Complaint sub-issue: Indicated you were committing crime by not paying debt

This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.
Complaint sub-issue: Account status incorrect

This is inaccurate. I was never late paying my debt. Correct this wrong information.
Complaint sub-issue: Transaction was not authorized

i made a claim with Citibank according to some fraud charges, this charge was made same location as the one being appeal and previously opened a claim with you guys here a Finacial Protection Bureau, they did open an appeal to re investigate the case on that end, but for some reason one of the charges made to my account was now taken back again from Citibank stating they found no error this transaction was made the same as the other one stated on the previous claim, don't know why Citi banks returning these funds and making my account negative, the transaction was on the same date as the one previously claimed it was made on XXXX XXXX for amount XXXX XXXX it was previously giving to me as a temporary credit but now has been token away making my account negative, in the appeal this also should be added because all other charges made in that city of Las Vegas were all returned to me and were finalized but for some reason this one isn't, don't make sense there were all made same location, and Citibank is failing to do a proper investigation and return me my stolen monies. Please help in this case to hold bank accountable for these mistakes and ensure i get a proper conclusion to all this. 
Transaction Date : XXXX XXXX, 2022 Amount : {$120.00},
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i've gone for a home loan and they pulled up the report and find many hard inquaries that are not due to my asking.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, Equifax, and XXXX that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Trouble with how payments are being handled

I had a transfer of loan servicer to Mohela when my previous XXXX XXXX  was transferred to other companies. My employer pays my loan payment for me. When they switched they requested a XXXX from Mohela. I called in XXXX, the service representative did not know what I was talking about and instructed me to wait for something in the mail. I called again in XXXX. Same response. I then argued with the accounting department at my employer to verify that what they were saying was correct. I sent an email message on XX/XX/2022 regarding the same. I still have not received a response. I then called again on XX/XX/2022 and received different information that I was to upload a form. I uploaded the formed on that same day and the representative I spoke to verified that she could see it and that it would be handled within XXXX business days. I have just received a message that there is a delay in responding to my form. I have taken a half-day off of work to wait on hold now twice and I have now missed out on {$6600.00} of loan repayment from my employer in the last 4 months due to delays in this form by either misinformation or delays coming directly from Mohela employees . I would like to file an official complaint with Mohela, and the CFPB. I would like consideration for transfer to another loan servicer if at all possible.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  and Equifax are reporting false information. 

The accounts that are open by FRAUD a XXXX XXXX XXXXXXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on Equifax XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX bank XXXX with a XXXX balance.
Complaint sub-issue: Was not notified of investigation status or results

Equifax, XXXX, and XXXX  are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX
Complaint sub-issue: Billing dispute for services

XX/XX/22 XXXX  says that Ameri financial solutions collection is valid. I paid off the collection with the original creditor in early XXXX. XXXX XXXX XXXX XXXX had my wrong name and address. Thats why I never go the bill.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions through certified letters I have asked both XXXX and XXXX to validate and provide me with copies of any documentation associated the accounts XXXX AND XXXX reported by them. According to them that information was provided by LexisNexis as a third party vendor .I hereby demand that LexisNexis send a letter to XXXX and XXXX clarifying the situation and asked to remove those accounts from my credit reports The information that gave LexisNexis to them is wrong .I formally request that this information be deleted from my credit files. ( Attached copy of the letters )
Complaint sub-issue: Information belongs to someone else

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Complaint sub-issue: Billing problem

I have made all payments on time or early. I made a payment on XX/XX/XXXX. On XX/XX/XXXX the payment I made to them was refunded back to me. I called them and asked them why the payment was refunded and they said they were n't sure but my account was labeled paid in full so they told me not to worry about it. 15 days later I received a call from them stating my payment had not been made and that my account was delinquent. I told them what I was told the last time I spoke with them and how they said I was all paid up. I also told them about the payment being refunded. I also had my bank fax them proof that the payment was made and then refunded. They have disregarded all of this and continue to call me every 7 days threatening to take my car away and ruin my credit. I am a XXXX woman in her XXXX 's and I do n't know what else to do about this.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX 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 ; 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-XXXX  XX/XX/XXXX ; XXXX   XX/XX/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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  {$550.00} XX/XX/2022 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 account without my written Instructions.
Complaint sub-issue: Old information reappears or never goes away

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX  and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2019 approximately XXXX received notification from ID monitoring service XXXX XXXX placed a hard inquiry. Notified XXXX of fraud ( XXXX ), Equifax ( XXXX ). Filed police report ( XXXX ) FTC ( XXXX ), OIG ( XXXX ), Utilities exchange ( XXXX XXXX, XXXX fraud forms sent XXXX ( XXXX ), Insurance claim filed ( XXXX ). Fraud report received from XXXX XXXX stated the perpetrator used my maiden name, my social security number and my old mailing address to attempt to obtain cellular service twice. The hard inquiry from XXXX XXXX still remains on my Equifax credit report.
Complaint sub-issue: Old information reappears or never goes away

This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also XXXX XXXX. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
Complaint sub-issue: Funds not handled or disbursed as instructed

I deposited {$140000.00} into my checking account on XX/XX/2022 and they froze the deposit and will not open the account. They keep changing there story.on why the can't release the money. This money is sitting in a non-interest bearing account and by my account they owe me and my wife {$2800.00} in interest at XXXX XXXX per month times XXXX  months, Not to mention all the time, grief they have caused.
Complaint sub-issue: Contacted you after you asked them to stop

On or about 4 years ago, I called XXXX to buy a new phone. Immediately that phone started showing malfunctioning problems, so I contacted them to complaint. They sent me another one to replace it with another one according to a totally new XXXX and in excellent condition. However, that new phone came with problems as well as. I contacted XXXX I called several times, they made me remove the battery, turn it on again, and the " new '' XXXX XXXX  XXXX. was worse than the one that came back to them.If going or incoming calls was impossible to hear the other party or vice-verse. My friends or other callers, told me that the call was heard cut off, and they did not understand me, so without other alternative they had to hung up the call or I had to do so. Most of the times the call was always dropped or the cell phone was frozen. While I had constant problems with that new cell phone, sold by XXXX, my son never had any problems, he bought his XXXX XXXX at the Mall. Therefore, my phone I bought 6 months later from XXXX, the difference between my sons cell phone was and stills in perfect condition. Having this situation I was forced to use a old non smart phone that I had bough in the past from XXXXXXXX  in order to call my family and receive calls from friends, family and important calls. I trusted XXXX, I regret it, I should buy it at the Mall as my son did. 

Luckily, my son decided to buy a new phone two years ago, I decided to use his old XXXX XXXX, that he bought at the Mall. That is the phone I am using since 4 years ago, almost 5. While the cell phone sold by XXXX it only lasted two years and with a lot of bad functioning problems, my son 's cell phone that he bought at the Mall is in perfect condition after almost five years, that is the phone that I am currently using the XXXX XXXX XXXX phone. I offered XXXX to return that phone that they sold to me and that stopped working, they rejected, obviously, they know what they sold me, and at all costs they want to take my money for a cell phone that they sold me with malfunctions. I was paying for that cell phone, until it totally stopped working. My question is why we have to be victims of fraudulent sales, want to force us to pay for something that is garbage? I lost my job, I wouldn't mind paying it if they had sold me something in excellent condition, but it's not like that. It is fair that I have to pay for something that was sold to me, knowing that I told them I was presenting a malfunction and did nothing to remedy that situation. I have that cell phone stored for almost 4 years, because it has not worked since I sold it XXXX, again I offer to return that bad item they sold me. 

The law have to be impartial, and protect who needs help in cases of unfair actions.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of the following the account XXXX. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Old information reappears or never goes away

A complaint from a company was placed on my credit report about closing acct in XXXX when i no longer have acct with Them since 2013..
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 Equifax ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. FCRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them.

The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).
Complaint sub-issue: Trouble with how payments are being handled

I have you received an email that you are looking int my complaint XX/XX/XXXX XXXX and have heard from you since. 

Can you give me an update of your findings? 

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

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. Validate account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX account XXXX Account Number : XXXX Please remove it from my credit report