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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! The items have already been deleted but now it has re-appeared on my file. How can you guys let this pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Didn't receive terms that were advertised

Opened the account and funded with {$2000.00} to receive a account bonus of {$250.00} and never received it.
Complaint sub-issue: Not disclosed as an attempt to collect

Today I received a call from this collection agency regarding an alledged debt. When i first answered the call, the representative told me that he works for a legal department and they were taking action against XXXX and they needed to speak with her. The representativr then told me I needed to pay XXXX or else I wouls be going to court. I told him I knew nothing of the debt and I wanted to dispute their claim and have them validate this debt. I was told no that i coukd not dispute since they had my information and that the attorney who they work for was going to take me to.court. I had no idea what this debt is.
Complaint sub-issue: Problem using a debit or ATM card

Debit card gets put on fraud block and i can not use it for anything, support refuses to verify me under the basis that the number isnt in my name under public records however, me making a purchase on XXXX is what tripped the fraud system
Complaint sub-issue: Public record information inaccurate

Lexisnexis has n complete information in my file, I have filed a complaint with you, Lexis Nexis replied thayt I should call an XXXX number they provided, That got me no where the person at the XXXX number said it was wrong department.
Complaint sub-issue: Information belongs to someone else

delete accounts that are not mine police report with accounts listed on XXXX and EQUIFAX has been sent out by mail
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX , XXXX are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors.

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 
The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Complaint sub-issue: Trouble using the card to spend money in a store or online

My US Bank Reliacard took 7 months to get to me, and I have since spent 2 weeks trying to activate it. Because I am XXXX they have locked the card until I provide them with an address. This is unemployment money and my industry is completely shut down due to COVID-19. I have spent hundreds, maybe 1000 hours on hold over the past 7 months trying to get this to work. Now when I call Reliacard customer service they give me different information each time, and I am now doubting the integrity of their system. I would like my account investigated specifically, and any help finding legal resources to persue restitution for the damages this has caused me. I believe the unemployment benefit system through US Bank Reliacard has been compromised and there may be bad actors working to steal people 's information. I need my account unlocked immediately due to being in an emergency condition of being homeless as we are hitting freezing temperatures. Please help as soon as possible, thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..
Complaint sub-issue: Their investigation did not fix an error on your report

Bank of the West has incorrectly reported our loan as late in XX/XX/2019. As soon as I noticed it, I contacted them, as well as XXXX  to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX, FED LOAN took possession of my student loans. FED LOAN is inaccurately reporting 15 late payments starting on XX/XX/XXXX through XX/XX/XXXX on all 3 of the major credit bureaus. On XX/XX/XXXX, my student loans were in consolidation, and the next due date was due on XX/XX/XXXX. I have submitted an attachment listing the information. 

On XX/XX/XXXX, I talked to XXXX id # XXXX who stated that my loans were in forbearance for 30 days, which I believe this is inaccurate because the loans were consolidated. I have submitted an attachment listing the aforementioned information. I am unable to resolve this issue with FED LOAN because every time, I call the staff was impolite and were unable to assist me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I signed up XX/XX/19 for XXXX XXXX XXXX  42 day program. It was free but then the owner XXXX XXXX claims you need to pay a refundable deposit {$490.00} which will be returned as long as I keep food journal ( fitness pal was suggested ) ,1x week weigh ins , attend 3 times a week participation. I completed and XX/XX/19 we had a meeting after my workout and I declined. XX/XX/19 I verbally cancelled and XX/XX/19 was my 18th workout for completing 6week program. I confirmed with XXXX XXXX Process of refund and told me 3-5days and everything was fine. XX/XX/19 after speaking owner by text I got excuses I put in dispute with citibank. As of today the charge was put back on my account since owner now disputes the refund I'm due even though i sent proof to card company. They are restarting the process and told me ot will take another 45 days. Next month my minimum payment is the amount that was of reversal minus any payments i was making. Citibank claims Mastercard makes them remove temp credit that was given for dispute. Makes no sense. I had a charge that had been pending for 7 days also {$68.00}. They claim that it was approved a merchant hasn't taken money. This is causing me financial burden.
Complaint sub-issue: Account information incorrect

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need Equifax, XXXX, and XXXX to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
Complaint sub-issue: Investigation took more than 30 days

This is my FINAL attempt to delete this account from my credit report. You have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your blatant disregard for the law is contemptible. Over the past 7 months I have made several attempts to remind you of your duty pursuant 15 USC 1681 and it appears you are intentionally and willfully being neglectful in remedying my affairs. 

Because of this, I am unable to rent or own a home and have been denied a major career opportunity. 
Due to your violation of the law under civil liability 15 USC 1681 ( n ) - Civil liability for willful noncompliance a ) In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and no more than {$1000.00} or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act US DEPT ED Account # 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: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

I have an XXXX XXXX account showing that there are 2 late payments ( 30 days ). This information is inaccurate and incorrect, also Ive never given permission for this info to be shared on my credit report. In accordance with the FCRA, 15 USC 1681 section 602, 604, I am a consumer and I have rights as well as the right to privacy, this is in fact a violation of my consumer rights and grounds for removal from my credit report.
Complaint sub-issue: Problem with personal statement of dispute

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Complaint sub-issue: Deposits and withdrawals

Two months ago, I cancelled a few online purchases as start of covid 19,  my home nurse said try to have my aide purchase as much necessary items as possible in one trip. My bank ( PNC ) froze acct. Cause of cancelling online non essential purchases. They opened a new account with me there, but I still have to call every month to get money put in new account. My deposit was two days ago, and I have been calling. Now its tomorrow or next day. I want to dump them and get my ss put on a XXXX XXXX card. They are SO RUDE
Complaint sub-issue: Problem with fees

I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  XXXX   XXXX
Complaint sub-issue: Right to dispute notice not received

Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Attempted to collect wrong amount

This company is reporting unfair, and unverifiable information on my credit report, they are stating that I'm in a term monthly with this company. I have rented two property with this company I stayed in Both homes for 1 year only this company unfairly did not returned my security deposit of over XXXX for XXXX XXXX and XXXX for the other home. this company has yet to provide me or prove to me that I owe the sum amount of XXXX for one home and XXXX for only staying there one year in each property. I have contact XXXX  and XXXX to ask them to remove these derogatory remarks on my credit report as it is hindering my credit. There response from the credit Bureau is that the information meets requirement of the fair credit reporting act ). However I still have not been provided any proof after sending several letters asking for this information. I have enclosed some move out pictures from both residents
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Debt is not yours

We cancelled our XXXX account XX/XX/2019 and mailed back the equipment through XXXX drop off, within a week, as directed by the customer service representative at XXXX. 
XXXX claims they never received it and XXXX claims there is no way to track it anymore. I called XXXX on multiple occasions regarding this matter and the agent assured me that the receiver would turn up in warehouse and that this type of thing happens alot ... and not to worry about our account. 

NOW, a collection company ERC is sending threatening letters to my XXXX old parents ' house, three years later over this receiver. THIS is unacceptable. 

I am livid I am still dealing with XXXX and their ridiculousness.
Complaint sub-issue: Account status incorrect

Received a 90 day deferment for my auto lease from Volkswagen credit. For months XXXX, XXXX, XXXX Due to the Covid 19 and being furloughed. XXXX continues to report to the credit bureau that I'm deliquent. The say they will correct it but never do..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX was placed within my credit file in XXXX, 2017. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
Complaint sub-issue: Problem accessing account

I attempted to connect my checking account to multiple services that use XXXX. Some are essential to my life. 

Some, like XXXX, give access to my pay through no cost advances on my pay. 

Others, like XXXX, allow me to have a business bank account that I can transfer quickly in a verified way in and out. 

This is not an exhaustive list. 

XXXX is an important part of living online, PNC is important as the only real bank around. 

PNC should allow XXXX to access as all other bank accounts I've had in the past has.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.
Complaint sub-issue: Old information reappears or never goes away

The creditors GENERAL REV, XXXX  XXXX XXXX, and XXXX XXXX XXXX  keep reporting accounts to my credit report that I have already paid off and are all XXXX  XXXX. Please delete these accounts off my credit report and cease all reporting activities
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Per the attached document XXXX, Equifax, and XXXX are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does XXXX XXXX say they have no record of this information in their record.