Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

some body stole my information and opened credit card at home depot. He/She had been using that account since XXXX 2019 with the charge {$3300.00}. The clerk supposed to check customer ID when they purchase large amount with credit card. However, they skipped the step and let the thief sign the signature even not my signature for a few times. One week ago, the Home Depot company sent a notices mail that the problem has already investigated so I closed my account immediately to avoid trouble. However, I got another mail today from Home Depot about they could raise up the interest of the balance if I would not pay in full. I have tried to re-contact Home Depot but they had no idea and they asked me to wait for during the investigation time. is it any way or what i can do to solve my problem?
Complaint sub-issue: Received bad information about your loan

FedLoan has missing paperwork from when my student loans were transferred from my previous student loan servicer, XXXX. Ive asked for this information many times.
Complaint sub-issue: Public record information inaccurate

Equifax has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked Equifax on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting act XXXX Account # 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. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This has not been done correctly. No proof of signature was ever proven. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This was not done and was not informed of the investigation when it was done with proof of signed documents. They did not email me or send reinvestigation letter at all. The information was not verified at all. I even tried to get online and was unavailable to access. I also have a reinvestigation that has been past 30 days, confirmation number XXXX that was submitted on XXXX. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. They never really did and investigation at all. They continue XXXX my rights and all these accounts should be deleted from my report.
Complaint sub-issue: Information belongs to someone else

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact Equifax, XXXX, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.
Complaint sub-issue: Reporting company used your report improperly

This is one of many complaints you will receive about Equifax 's security breach. I was not alerted in any fashion and only found out through word of mouth that my social security number, full address, date of birth, and possibly drivers license are compromised. Since Equifax offers a way to unfreeze credit using this information, it is impossible for me to guarantee illicit use of my information even if I employ a credit freeze.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Complaint sub-issue: Deposits and withdrawals

This complaint is due to me being a victim of an unauthorized money wire transfer. A money transfer to place on XX/XX/2022. Money was taken from my Citibank savings account, moved to my checking account and withdrawn from my account, this happened in two transactions which equally {$14000.00}. This happened without my knowledge or agreement. It was completely unauthorized by me or my daughter who is also on the account. An investigation was initially completed and Citibank cited that they were not going to return the money that they failed unlawfully protect and released. I am being victimized again. Citibank has taken no accountability for what they permitted t happen against me and I am being penalized for it. This wrong doing has uprooted my life and has left me unable to pay my bills. I am praying that something can be done as soon as possible and my money can be returned to me.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SS # XXXX DOB : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXXt Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX EQUIFAX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

My original account was compromised and to safeguard our funds, we closed and opened a new checking/savings account with PNC Bank . The original acct was checking/savings and they forced upon me a virtual wallet making it virtually impossible to manage my money. I would need two sets of ledgers to balance, when I make deposits and instruct where it should go, it gets deposited to the wrong acct. For example I set up a payroll direct deposit to checking, it ended up in savings. I am constantly having to move things to the correct account to pay bills. They are like sorry, can't go back to just chk/svgs. I would close my account except my mortgage and a personal loan are with them so I feel forced to stay. It is harder to manage things as I get older ( age XXXX ). Also even at the ATM it does not let you select checking or savings, it has you select an account number which who remembers that anyway? Now I have 5 accounts with the same lender, checking, savings, a loan, a mortgage and now a virtual wallet. It is not right to force this upon consumers. I had to transfer my paycheck on XX/XX/XXXX from svgs to chkg and when I went to bill pay the drop down for checking showed a XXXX balance on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax was recently hacked and criminals obtained sensitive information about my person, potentially including my name and past addresses, as well as my social security number. I had to find out about it through an online forum thread rather than any direct contact from the company. Equifaxes own website confirmed that I was most likely affected by this breach of cybersecurity.
Complaint sub-issue: Account status incorrect

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law.

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX - XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX Inquiry : XX/XX/2019 XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I already reached out to Equifax for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Addresses : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, VA XXXX
Complaint sub-issue: Can't decrease my monthly payments

The contract said that the loan would be eligible for deferment for up to 10 years after completion of school during residency training. Deferment did not mention that interest would have to be paid back during the time. This lead to me calling several times regarding this while penalties accrued. No options were offered or available for someone who was unable to pay the amount every month.
Complaint sub-issue: Was not notified of investigation status or results

ON XXXX I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Report provided to employer without your written authorization

ON XX/XX/2018, XXXX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY XXXX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF RENT RECOVER, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS
Complaint sub-issue: Information belongs to someone else

I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how Equifax verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXXr. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Debt is not yours

I called and spoke with someone in XXXX and and we discovered that the account wasnt mine. We had completely different account numbers and addresses. I disputed the account with a receipt attached showing that the information they have is incorrect and someone elses account. I C System Inc. is trying to collect on debt that clearly do not belong to me. They told me the only way they will take it off my account is if I pay or file for fraud. I dont understand why when I provided evidence proving that the information is incorrect.
Complaint sub-issue: Public record

An IRS lien was filed, released and withdrawn. Equifax has failed to remove it from my credit report, despite several written requests that included extensive documentation. Details are in the attached files.
Complaint sub-issue: Public record information inaccurate

The background check company Checkr is reporting ( background checks done in XXXX and XXXX of 2022 ) something that I was accused of doing, but was not charged with and had the claim dismissed, as something I was charged with. This accusation is showing up in red and I have been denied employment due to this. 
Essentially, I am being treated as if I was convicted of a crime I did not commit. 

I have emailed Checkr and gotten no response. I have also tried to call but have been unable to get past the automated system in order to speak to someone.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of XXXX ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX XXXX  put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.
Complaint sub-issue: Account information incorrect

XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in  my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self
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 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: Their investigation did not fix an error on your report

XXXX XXXX XXXX has an account on my credit that is not mine.
Complaint sub-issue: Reporting company used your report improperly

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX  York, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX HXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission