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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX I purchased a living room set at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, IL with a total amount due of {$4200.00}. I paid {$600.00} in cash and debit card, with the salesman in the store, and charged the remaining {$3600.00} on my Citi Simplicity credit card. I swiped my credit card when the salesman informed me he was ready to accept payment. The salesman informed me the first swipe did not work and he requested I swipe a second time. 

My card was charged twice for the same purchase. The first charge in the amount of {$3600.00} is authorized. The second duplicate charge in the amount of {$3600.00} was not authorized by me. 

The merchant made an error at the point of sale. After numerous attempts to contact the merchant to request the unauthorized charge be reversed and resolved went unanswered, I filed a dispute with the credit card company on XXXX ( dispute ID number : XXXX ). The credit card company provided a conditional credit after I submitted supporting documentation this was an unauthorized charge, contacted the merchant, and gave the merchant until XXXX to respond. 

On XXXX the credit card company notified me that they have closed their investigation, reversing the conditional credit in the amount of {$3600.00} plus interest ; and attaching a notice from the 3rd party vendor ( Stripe, Claim Id : XXXX - XXXX ). THE END OF PAGE TWO OF THIS DOCUMENT STATES THAT MY DISPUTED CHARGE IS A DUPLICATE AND THAT THE MERCHANT/3RD PARTY IS NOT CONTESTING. In subsequent contact with the merchant ( XXXXXXXX XXXX XXXXXXXX ) since the XXXX dispute, the merchant provided a statement in writing that they are not disputing the unauthorized duplicate charge. XXXXXXXX XXXX XXXXXXXX reported to me via XXXX XXXX that the unauthorized duplicate charge would not be disputed. 

The XXXX letter from the credit card company indicated that I may continue disputing the unauthorized duplicate charge if I reply by XXXX. On XXXX I provided additional documentation to support the my dispute via fax and email to Citi, and demanded that the unauthorized duplicate charge and interest be withdrawn and reversed permanently. 

The canned and automated reply emails from Citi Simplicity ( the credit card company ) for my ongoing dispute are not reassuring. My trust in their process is waning. 

I did not make, nor did I authorize, a duplicate charge in the amount of {$3600.00} on XXXX the unauthorized charge was an error made by the salesman at the point of sale in the XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I previously submitted accounts of these matters in other reports to XXXX XXXX and XXXX XXXX among others. 

In the legal paperwork, the account was situated for the corporate fiction named, " XXXX XXXX XXXX '' who was the transmitting utility in the transaction. 

I, " XXXX XXXX XXXX '' in the proper person was not the transmitting utility during this transactions. 

US Bank records indicate that I was supposed to be the transmitting utility or party responsible for the transfer of title, etc during this transaction. 

Upon requests to validate that I, " XXXX XXXX XXXX '' the actual living soul owe the debt to US Bank, have not been validated. 

Fraudulent transactions further accompanied this transaction as I was not given ANY notification about the transmitting utility or how to properly utilize it during the transaction. 

SEC fraud occurred accordingly and was overlooked by CFPB, as well as court officials and HUD representatives who completed maneuvers of title transfer when there was never anything originally validated or anything able to be furnished regarding the transaction because they were not the rightful owners of the property. 

All resolution and recompense should provide relief for the natural person as emotional duress and forced foreclosure occurred due to coercive and duress oriented tactics. 

I can provide verification that I and the transmitting utility are separate entities with documents that have been recorded in the state records.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX Macy 's Credit but a late payment of my credit for a {$5.00} payment. 

It is now XX/XX/XXXX why is the late payment still reporting. 

I have begged Macy 's to remove this insane 7 year sentence over {$5.00} and they have refused. 

I have never been late prior to the incident or after. 

I have 100 % payment history until XXXX with Macy 's. 

Macy 's should be ashamed of its practices and its also my life 's mission to change the laws concerning how credit matters are reported. 

I am requesting to REMOVE THE LATE PAYMENT IT IS LONG PAST THE 7 YEAR SCARLET LETTER MARK.
Complaint sub-issue: Information belongs to someone else

My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX   XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.
Complaint sub-issue: Was not notified of investigation status or results

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/XXXX I call Elan Financial World MasterCard ( XXXX ) ending in XXXX in advance of my XXXX due date to discuss forbearance options as I had lost my job due to the COVID19. Elan Financial offered me a one month waiver of the Late Fees. I have called Elan every month to discuss my situation and inquire about forbearance programs. Unlike the credit issuers ( XXXX, XXXX, XXXX XXXX ) no programs have been available to assist me during this financial hardship. As a result of my inability to make a payment during the global pandemic, Elan has reported my account as past due to the credit bureaus. After the 30 day past due notice, on XXXX I spoke with XXXX and was advised my account was past due 55 days. He was unable to offer any assistance regarding payment options and advised " I am not part of the credit department. '' He then gave me an address to submit a dispute to their offices in XXXX XXXX. I have made nominal payments on the account ( {$110.00} or 1 % of the balance on XX/XX/XXXX ). On XX/XX/XXXX Elan Financial reported my account 60 days past due, further driving my credit score down. During this global pandemic with XXXX XXXX unemployed when we are trying to navigate rent, utility and food costs, banks and credit card companies SHOULD NOT be allowed to do this.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I have disputed a bankruptcy that Lexis Nexis is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, XXXX and XXXX is reporting as the information was verified by Lexis Nexis.
Complaint sub-issue: Personal information incorrect

Please Delete the following inaccurate and incorrect items reporting under my personal information to all three credit reporting bureaus below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX CONSUMER STATEMENT XXXX - DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 
DELETE THIS CONSUMER STATEMENT FROM XXXX REPORTS! 
XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EQUIFAX - XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

The student loan was cancelled by XXXX college in XXXX MD for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount. 

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses. 

XXXX is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Complaint sub-issue: Card opened as result of identity theft or fraud

The credit card was opened in my name on XX/XX/2022. I have not approved, was not aware of this. I do know anything about this credit card and am a victim of identity theft and fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. AXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were XXXX, XXXX  XXXX  XXXX  and were a mediation company and not the debt collector. The debt collector was actually UHG Llc. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?
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 ( Opened : XXXX. XXXX, XXXX, Highest Balance : {$25000.00} ) 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX  Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Add-on products and services

I had got a BestBuy credit card and signed up for auto payment and e-statement for each month I was getting my statements, but they did not show any charges. I just got the Your XXXX Annual Account Summary report from BestBuy and seen over past year there was around 700 dollars worth of charges around 110 dollars each month for some debt protection fees. I never would have signed up for this if I was properly informed about it and the fact that it was not showing up as charges each month is looking like unfair practices to me. I called the XXXX number and got redirected three times before I got someone who cancelled the program. I asked for proof that I was informed and signed up for this program and was told it could take 30 days before I am sent anything. I think sense I was not shown each month this charge was happening I should be allowed to receive a refund of these charges as I did not even see this until the summary report came out and I seen this in it. 

Miscellaneous XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX Seeing this report and looking into it I have seen I have also been charged for XXXX and XXXX of XXXX so far as well XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have looked online and seen that Citybank has already been forced to pay back money for Deceptive Marketing from this debt protection stuff. 

I made a big purchase in XXXX but before that I have almost always payed off the card sense I had it and never seen these charges before.
Complaint sub-issue: Can't qualify for a loan

I just applied to consolidate my private student loans via CommonBond. I filled out quick application which required a " soft '' credit pull to see if I would be eligible for a loan with their company. I agreed to the application terms and the result was that I was qualified for a consolidation loan with an interest rate from around 4 % - 6 %. Then I was asked by CommonBond to do a " hard '' credit pull to dial in on the exact interest rate for my loan. After receiving the first confirmation from my initial application I was led to believe that the second credit pull was a routine task that would finalize my loan. 
Instead of getting my final interest rate and terms, I was denied and told I needed co-signer who makes more than {$80000.00} per year. Unfortunately, I do n't have access to a co-signer who makes more that {$80000.00} per year. Had I know that there was even a mild chance that my application would result in denial and/or a co-signer requirement, I would have not risked applying. 
I went back and read through all the literature in the process before I clicked on the hard credit pull. It definitely is presented in a way that easily leads applicants to believe their initial credit check approves your loan and that this final credit check just figures out the final details of a pre-approved loan. 
I am very frustrated with my experience with CommonBond. The end result is major damage to my credit due to indirect and misleading information from Common Bond 's initial application process. 
If I was provided the proper loan eligibility information prior to my hard credit loan request, I would not grant CommonBond proper authorization to pull my credit report. Unfortunately, CommonBond 's credit pull was completed under false pretenses. 
I send XXXX messages to CommonBond explaining how I was misled by their application process. I requested that they contact the XXXX major credit reporting agencies and request to remove the hard credit pull on my file. They have refused to do this and also refuse to accept any fault in this process.
Complaint sub-issue: Information belongs to someone else

I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.
Complaint sub-issue: Information belongs to someone else

I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.
Complaint sub-issue: Debt is not yours

I have already addressed this issue, and now commerce bank has put me back on the credit card and also my credit report. 
Link to last complaint filed- https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Now it's back on my credit report.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Equifax report. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am a freshman at XXXX XXXX XXXX in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/Lake placed this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX XXXX said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/lake. This item is Still on my credit report despite being paid in full.
Complaint sub-issue: Personal information incorrect

So I mailed a letters on XX/XX/2022. Here is my tracking : XXXX XXXX, Equifax XXXX, XXXX - XXXX, To delete personal information from my credit report that I did not want. My federally protected consumer rights have been obviously violated, according to the Fair Credit Reporting Act sections : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

[ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I called and asked if there was any way to come up with an affordable payment option and their reply was " We don't offer payment plans or consolidation ''. They said they can't help me. This is unacceptable because my monthly payment is going to be around {$800.00} a month. That's more than my rent and car payment combined.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.