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

I sent a letter on XX/XX/XXXX, to remove 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 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I received my US Bank Relia Card with my unemployment money on it. Then about a month ago There were 4 XXXX XXXX ( {$220.00}, {$100.00}, {$60.00} & {$39.00} ) charges made to my card the I did not authorize. ( I do not use XXXX XXXX, XXXX XXXX, or XXXX XXXX ) They were made in California and I live in Pennsylvania. I immediately called Relia Card and spoke to XXXX & she said this was huge doing to PA people 's cards they would open a dispute and send me out paperwork to fill out to get it resolved and I had to pay {$15.00} to get my card over night to me. I filled out the paperwork & faxed it right in. The money was then returned to my account. The day after getting the new card again someone charged a XXXX XXXX in California for {$55.00}. Again I called and this time I explained what happened and was told a new card would come out to me. I asked to speak to a supervisor in the fraud dept and was on hold for over 2 hours not speaking to anyone so I hung up. I had not even authorized that new card yet. This afternoon I went onto the account to check about a charge and found again that someone had charged a XXXX XXXX from California for {$46.00}. Also the charge for the {$55.00} was taken off my account activity listing but not back into my account. Infact the account is missing, {$0.00}. Again I called and again Relia Card speaking to XXXX who said I would have to have a new card sent out to me again but before that he wanted me to speak to the fraud dept and placed me on hold ( 2 hours again ) to get to the fraud dept with no one answering so I hung up. I am getting tired of this.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2018 I opened up a XXXX XXXX XXXX card because the associate said I would get 25 % off purchases made that day and the next day. I was looking for a disclosure about the 25 % ( because I thought it was 20 % ) and the associate said they didnt have any updated ones so I never got one. I just received my first statement in which the balance is {$1000.00} ( my actual balance is {$1100.00} because I purchased items online that night, so the complaint is for the full amount of {$1100.00} ). When looking at my purchases, I did not receive the 25 % off of everything like I was told. I called customer service and they told me the 25 % off was up to {$100.00}. I was never told this and would not have opened the card. The customer service rep transferred me to a manager at the water tower XXXX in XXXX where I opened the card and she told me she was going to contact the manager of the associate and call me back, but I still havent received a call back.
Complaint sub-issue: Public record information inaccurate

To whom i t may concern : The following informatio n is my contacts : Attorney at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Missouri  XXXX   XXXX  --  XXXX  or  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   ,  MO  XXXX   XXXX  In   2016   I filed Bankruptcy with my Attorney. I did NOT include my mortgage in the bankruptcy. When the bank was informed of the bankruptcy their attorney charged me {$750.00} to investigate the bankruptcy. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the bankruptcy and that I have not made any payments on the loan.  <P/> I tried to contact the bank attorney and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my attorneys secretary who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.  <P/> I know the bankruptcy will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.  <P/> How can I get this fixed? Can you help me? Please see what you can do to help with this situation.  <P/> Regards
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have submitted several disputes with all bureaus in regards to the inquiries made on my reports along with the addresses that appear on my reports. They are not mine nor did I authorize them and I need them removed since they are causing a lot of problems with my creditors that I have been with for years. This is also not allowing me to qualify for a home that I have been trying to get for over a year. 
My identity has been stolen several times by hackers, thieves and the selling of my information to other parties. 
I live in a state where my name and last name are so common. when people report other peoples info to the bureaus I get a lot of their information. Ranging from family members to parking tickets. I have had my fair share of days in court to try and fix a lot of this but I have done my part. I have frozen my info and I still get all this trash!!!! 
Please help me with this night mare. I have sent the documentation needed to have all bureaus correct all the misinformation reported on my credit files. 
I need to see actual signed documents to verify my signature and that I was the actual person making the inquiries or opening accounts. 
Thank you for your time and assistance.
Complaint sub-issue: Information belongs to someone else

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items XXXX in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Complaint sub-issue: Reporting company used your report improperly

sent letters out to XXXX, XXXX, and equifax. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}
Complaint sub-issue: Was not notified of investigation status or results

Over 2 months ago I informed Equifax that they are reporting a fraudulent item on my credit report and that it should be removed immediately. They have responded through the cfpb portal that they need an account number and name. I have clearly given this information through cfpb in XXXX.
Complaint sub-issue: Public record information inaccurate

I have previously disputed public records listed XXXX and XXXX and XXXX with Equifax and in response Equifax verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Equifax or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Equifax of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Complaint sub-issue: Problem with statement of dispute

They keep stating that the information is what they received. I contacted XXXX and Equifax mortgage and they were supposed to remove these inquiries from EQUIFAX which are not authorizzed. I wrote previously : : : : : : : There are XXXX hard inquiries from XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Debt is not yours

Alltran Financial LP is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Complaint sub-issue: Billing problem

I have a car with XXXX XXXX company back in XXXX of 2018 my car broke down and lgm paid for it and I was to pay them back 3 payments of XXXX I paid off all of what I owed them and they are stating that I have never made a payment on it I have sent them all of my receipts and bank statements showing that I paid them and they are just ignoring them and refuse to fix their mistake.I have shown them all the proof that I have and they disabled my car and are very unprofessional and dont want to even listen to whatever I have to say.
Complaint sub-issue: Information belongs to someone else

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Complaint sub-issue: Reporting company used your report improperly

I contacted XXXX XXXX via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and Equifax states the information is from XXXX XXXX credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
Complaint sub-issue: Account status incorrect

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXXXXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Complaint sub-issue: Reporting company used your report improperly

In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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: Account status incorrect

On XXXX - XXXX i saw a lot of pre approvals on credit karma telling me that i was pre approved for credit cards and personal loans and that i can refinance my car. everyday i login, to check my credit report, so after a few months i was told that i was pre approved i thought i was in the perfect place to apply i got so many offers i started telling my family about vacations we was going use these pre approvals for so i finally applied sometime around XXXX i was upset that i was denied i felt bad because they told me i was pre approved this way a lie.
Complaint sub-issue: Information belongs to someone else

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT US DEPT ED XXXX {$3500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX
Complaint sub-issue: Banking errors

I opened a Citibank Checking account online on XXXX/XXXX/XXXX and was approved on XXXX/XXXX/XXXX. I waited weeks to receive the debit card but never did. I called Citibank customer service and finally got the card around a month after account opening. Because I received the card late, I went to Citi 's website and secured messaged Citibank on XXXX/XXXX/XXXX to confirm my promotion of XXXX AA miles and when the required actions needed to be completed by. In the response I received, the customer representative said " no later than XXXX/XXXX/XXXX '' for the AAdvantage bonus miles to be credited. Because of this information, I completed the requirement on XXXX/XXXX/XXXX. When I secured message Citibank again to confirm the bonus was met, they replied now telling me I did not meet the requirement deadline as it was XXXX/XXXX/XXXX, contrary to what I was initially told. When I replied back telling them I was given incorrect information from the original customer rep and that caused me to missed the deadline because of Citibank 's error, they acknowledged the error and apologized I was given the incorrect day in the previous message but would not make an exception to give me the XXXX AA bonus miles. I replied to escalate the matter and have a supervisor make a claim for it since it was Citibank 's error that caused me to miss the deadline. But was told no.
Complaint sub-issue: Problem with statement of dispute

Someone in California stole my identity and opened a account with XXXX, leaving XXXX with a balance of {$1900.00}. I have spoken with XXXX rep 's and explained that I have never had an account with XXXX and that I have never lived in California at any point in my life and this account is fraudulent. After trying to resolve this issue with XXXX, I decided to dispute the charge after finding it appeared on my credit report recently. The determination from the credit reporting agencies after there investigation is as stated " Inquiries are a factual record of file access, '' with no explanation of the evidence provided to determine the facts. I know this is not my account or debt. Also the address used for this account the credit reporting agencies have found to be fraudulent in my name, so it seems to me if you proved that the address used for the XXXX account was fraudulently in my name, how come it is not determined that dish network is also not fraud. I can not fight a fraudulent claim on the credit report if I do n't no on what facts the dispute is found factual, so that I might dispute the fraudulent evidence.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}
Complaint sub-issue: Information belongs to someone else

These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a written dispute to Equifax on XX/XX/17 to remove a XXXX XXXX XXXX account from my credit report that is not mine. To this date, I have not received a proper response to my claim and this account is still being reported to my credit. According to my report, it has an account number of # XXXX with a debt of {$8400.00}. The reason I am filing this complaint is because I have already spoken to this collection company in the past and they can not pull up any records that match my personal information. In addition, this account is only being reported by Equifax to my credit. It is not being reported by XXXX or XXXX which is another reason to believe that Equifax is reporting someone else 's account on my credit. I am attaching a screenshot of a recent report that shows this fact.