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

I am writing to delete the following information and charges off my credit report. I ask that these fraudulent charges be removed from my file as soon as possible. I have already contacted the Federal Trade Commissions Identity Theft Affidavit so that these charges can be removed because it is hindering me.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received a XXXX XXXXXXXX gift card {$100.00} from my work for XXXX. I finally tried using it 2 days ago and it was declined. The cashier could see there is {$100.00} available. We tried for 10 minutes every which way but it did not work. I then tried to pay a utility online with this card and again it was declined. I went on their website, XXXX but when I try to enter the card number, it says it is not valid. I called the number on the card and was told by 3 different customer service people that I have to go through their automated system to validate the security code before they can even help me. So, there is no option for the automated system! It takes me directly to someone who barely speaks English and all they tell me is, sorry you have to call the number on the card again. I tell them it takes me to them. Again, sorry, you have to call the number again. This is their only answer. Nobody is helpful and there is no supervisor available. I asked multiple times what can be done to resolve this and nobody has an answer. I'm beyond upset at this company and their lack of customer service. How do they not have someone to help, or get me a new card. It's like running against a wall! I feel like this is a scam. I hope I will get some help through here. Thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$350.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes to Equifax, XXXX, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4,  5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I have disputed a fraud account with Equifax several time and it comes back verified. I sent in a FTC report as well as a police report and noting change. I sent in certified letters though the mail and several conversation on the phone with Equifax still no results. I fed up and this is hindering me from getting things i need with my credit. Please help. I also have a complaint about how can a collection be disputed one day a be deleted and three days later put back on your credit report?
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
Equifax sent me a response and said that this creditor was not appearing on my credit report. I sent Equifax proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Complaint sub-issue: Information belongs to someone else

On XX/XX/22 an unauthorized person. used my ssn and tried to open a usbank credit card. 

I reported the fraudulent transaction to usbank and XXXX XXXX. 

Usbank did not open the credit card and XXXX XXXX advised me to report the incident to the federal trade commission.
Complaint sub-issue: Information belongs to someone else

I have been working on increasing my credit score for years. Ive been continuously applying for student loans, but not getting approved. I could never understand why, until I applied for a private loan from a bank. They sent me a letter explaining their reasoning of denying me ; but once I saw the credit score they stated was my credit score. it was significantly incorrect, and this information was distributed by Equifax. So I decided to make an Equifax account to investigate this score. Once I accessed the account I saw over 5 different accounts that did not belong to me. They belonged to my brother, who is significantly older than me but we have similar names. 

I continuously contacted the company for hours and days with no positive result. I need this fixed to be able to apply for my student loans and pay for my education.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Complaint sub-issue: Information belongs to someone else

My identity was recently used to open accounts in my name using my personal information that was exposed in the Equifax mass data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Complaint sub-issue: Account status incorrect

this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct
Complaint sub-issue: Account terms

All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!
Complaint sub-issue: Debt is not yours

Got a text message for a person I dont know with identifying information. I dont know them or the person attempting to collect. May be a scam.
Complaint sub-issue: Problem making or receiving payments

I am currently trying to connect/link my personal checking account to a third party payment company known as XXXX to be able to set up payments for rent to my landlord. Im unable to do that for some reason and would like to know why. Its a trust worthy and secured website. Could you fix this problem please
Complaint sub-issue: Information belongs to someone else

I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.
Complaint sub-issue: Overcharged for something you did purchase with the card

In XX/XX/2018 I ordered and received six bottles of XXXX beverage product at a cost of {$200.00} and I paid with my Discover Card. The order was delivered by XXXX. It weighted 24 lbs. 

Discover Card charged me {$1000.00} for this order. I disputed the charge ( Dispute case number XXXX ). I provided the XXXX  proof of the shipment weight and details about product itself. A {$1000.00} of product would have weighted 120 lbs. Discover Card will not tell me what they claim I purchased for {$1000.00}. 

I called the vendor twice and they orally admitted the mistake and promised to correct it. They did not correct it. I wrote to the XXXX legal department asking for a correction. They did not respond. 

Discover Card has threatened to ruin my credit ( FICO ) score which is now XXXX.
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 {$0.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.
Complaint sub-issue: Information belongs to someone else

I have filed a dispute many times conconcering fraud on my credit report. I recently filed a police report concerning the fraud items   XXXX   and  XXXX  removed the items and block the company from adding it back to my credit report. Equifa x staff  members refuse to remove the items, continue to contact the creditor stating I must resolve it with this company, this creditor has tried to get me to send them a copy of personal information so they can establish proof of my SS and ID, this has damage my credit and ability in many areas of my life. It is outrageous Equifax is allowed to do this
Complaint sub-issue: Problem getting my free annual report

When I go to check my free credit report, I am told that I may have taken out several loans for certain dates although I have never taken out a loan. When I go to answer these security questions about said loans, I am unable to give an answer, because I have never taken out a loan.
Complaint sub-issue: Information belongs to someone else

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Complaint sub-issue: Right to dispute notice not received

this was under student loan forgiveness program. 
was told it would be removed. I am on XXXX
Complaint sub-issue: Debt was paid

I actually paid this debt to XXXX creditor, as I called to see if I could get the payment lowered and start paying on that amount. I was told it was taken care of and now I see it listed as a deragatory mark.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX ) XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXXx 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Problem during payment process

I have a debt of about XXXX $ with Citibank Bestbuy Card. I live in XXXX. Until recently, for the last 4 years, I was always able to pay the monthly payment online. Now, I am not allowed to log in to my online account on their website unless I provide a US-based phone number. I do not have a US phone number because I live in XXXX. I have tried many many times to call Citibank to resolve the situation to be able to log in to see my account and pay my bill. They will never even let me have any information or pay the bill unless I have a US phone number. Recently, on a trip to Colorado during XXXX, I attempted to pay the debt off at a Bestbuy store in person. The store said they would only take a cash payment. I didn't have that much in USD so I paid about XXXX XXXX I did not get an email receipt for the payment from Citi or bestbuy and I have no idea if the payment was even credited. They won't mail a paper copy of the statement to an overseas address. I have contacted them via email to inform that I can not pay the bill because they won't make it possible to do that from overseas with no US phone number and I can not see any information about my account by any means. I have provided them with my XXXX address and my XXXX phone number but they have not taken action to contact me or responded to any of my attempts to contact them. They have stated they will call me back, during their hours, when I am asleep, but I still need a US phone number to access information, visually, on my account. 

It almost seems like they don't want me to be able to pay my debt. Perhaps they are hoping the account will gain a larger balance due to ever-increasing late fees. I have documented every communication I have had with Citibank via XXXX XXXX  and email.
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail Equifax, XXXX, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft
Complaint sub-issue: Information belongs to someone else

Despite my numerous attempts to fix my credit file by removing the fake accounts and information from my credit report, the Credit Bureaus have been completely ineffective! My credit report contains a significant number of unauthorized requests, as well as some incorrect account and information reporting. Someone has stolen my identity, and I know it. As a result, I filed a formal complaint with the FTC under File Number XXXX. I have included that report in this complaint in line with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit report as quickly as possible to ensure that I am in compliance with the law ( i.e., 4 days ). Please let me know if there is anything else I can do for you. I need you to fully erase the following items from my credit file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00}. You have also failed to send me copies of proof of ownership verification, despite continuing to report these items, which is a clear violation of my consumer rights. You should have eliminated these things if you are unable to supply these papers.
Complaint sub-issue: Old information reappears or never goes away

Citi Diamond Preferred has refused to notify XXXX my Citi Bank ending in XXXX is a closed account. Have disputed at lease 4 times and XXXX  will no longer take the dispute. Nor will they show this as a closed account on my report.