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

This is my XXXX letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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: Investigation took more than 30 days

XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.
Complaint sub-issue: Banking errors

After receiving my direct deposit pay on XX/XX/2022 from XXXX I have been watching my every day balance cautiously on my account according to whats being spent and it has not been adding up to what it should be. I see less money than it should be. This recently just happened and I check via Citis app on a daily. Overall calling Citi bank about any issue, the bank can hardly resolve any concerns. I still havent received my savings atm card yet that I recently just opened. I will attach what I do see and have for my daily balance, this is reflecting on the app and their website. None of it is adding up. It should be corrected and I wish for someone to contact me. This is my only account that I do use.
Complaint sub-issue: Account status incorrect

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX XXXX  # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Complaint sub-issue: Frequent or repeated calls

Repeated calls from XXXX several times a day. 

Found it was Citibank, but I do not have an account with them.
Complaint sub-issue: Account information incorrect

All three Credit Bureaus. XX/XX/XXXX, and Equifax are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. DOLP and account balance are inaccurate. 

Both Equifax and XX/XX/XXXX has responded, but XX/XX/XXXXhas not responded from last compliant on balance and DOLP reported. The balance of {$4900.00} is inaccurate and the DOLP is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 I called Equifax to demand the inaccuracies to be removed immediately. 
I never made a dispute, I was requesting the incorrect information be removed and the agent told me she will be more than happy to help me with my request, but never removed the items only disputed them. These company are abusing my credit with accounts thats not mines remarked getting added and removed every week dropping my credit score. Equifax has failed to properly investigate these accounts, by law they are to do a thorough investigation and I can say they DO NOT! Us consumers lives are in the hands of people who are not compassionate enough to care about the welfare of human beings.
Complaint sub-issue: Account information incorrect

There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Complaint sub-issue: Didn't receive enough information to verify debt

I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. 
If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.
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 XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I got my annual credit report from Equifax. There were 3 accounts with 30 day late notices. I tried to dispute these as I have never been late on my accounts. The online dispute link does not work. I was able to call and get the dispute filed.
Complaint sub-issue: Trouble with how payments are handled

I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXXXXXX 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. XXXX XXXX XXXX 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 an account without my written instructions. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Complaint sub-issue: Information belongs to someone else

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Complaint sub-issue: Public record information inaccurate

My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus.. XXXX ,  XXXX , Equifax and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all three bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
Complaint sub-issue: Information belongs to someone else

I have called equifax several times I am being told that the information in my equifax account is inaccurate but the information in my equifax account should match what equifax has there are lots of inquires that were not made on my behalf
Complaint sub-issue: Their investigation did not fix an error on your report

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. 

XXXX XXXX FXXXX 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  UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Account status incorrect

I sent an email to Flagship auto regarding my loan with them on XX/XX/28 after calling repeatedly. My partner and I XXXX  XXXX and i was out of work and needed to make a payment arrangement before my payment came due. My email went ignored and my payment was reported late. I think its completely unfair considering I couldnt reach them at all
Complaint sub-issue: Personal information incorrect

i am the living breathing man XXXX. i hereby am filing a complaint against EQUIFAX. EQUIFAX is reporting incorrect information on my consumer report, which has been causing financial damages in regards to my credit reputation, also know as defamation. I would like the Following information to be reported : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Employment info : XXXX XXXX XXXX Any name or address different from the one above-mentioned please removed immediately.
Complaint sub-issue: Information belongs to someone else

inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$33000.00}.
Complaint sub-issue: Information belongs to someone else

There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Complaint sub-issue: Problem getting report or credit score

There has been recent changes to my Equifax Credit Report, I requested for Equifax to send me a copy of my credit report so I can confirm the changes and that my credit report is reflecting accurate information. Equifax has failed to supply me a ud to date credit report.
Complaint sub-issue: Reporting company used your report improperly

referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from XXXX XXXX to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account XXXX XXXX- acct # XXXX XXXX  late payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
documents were uploaded in complaint XXXX
Complaint sub-issue: Account status incorrect

I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my XXXX letter in XXXXXXXX XXXX XXXX They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. 

Account name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX not sure of last 4 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: Information belongs to someone else

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
Complaint sub-issue: Attempted to collect wrong amount

On X/XX/2017, US Bank charged me with two or more {$36.00} dollar overdraft fees when I DID NOT overdraft. I also opt out of having US Bank cover non-sufficient transactions in XXXX of 2017 but they allege that I did not. I will attach screen shots of my account up to and after they 've assessed their unlawful fees. You will see that my account remained current until they charged me with their fees. I 've also asked for a paper statement and they 've refused to submit one. When I called about this discrepancy, the allege that my online access and tracking to my account that they provide to their customers is not accurate. I find that to fall under deceptive practices seeing that I know basic math, and its insulting to me when they attempt to justify stealing my money as if I ca n't add and subtract.