Johnade/consumer_complaints_cfpb huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 602 section 2 also states a credit reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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

I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " XXXX XXXX '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to XXXX XXXX 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I received a credit notification that a collection agency representing XXXX XXXX had reported to all three Credit Bureaus a {$150.00} past due bill as well as a new ( and inaccurate ) residential address in XXXX XXXX XXXX. I live in Utah. 

On that same day, I disputed the inaccurate information with Equifax, XXXX, and XXXX. On XX/XX/2019 I received notice from Equifax that the inaccurate residential address was removed, but the collection notice was correct. 

I have verified with XXXX XXXX that the XXXX XXXX XXXX address is the same that is on the fraudulent account which Equifax removed. 

XXXX  quickly removed all fraudulent activity on XX/XX/2019. I'm awaiting XXXX XXXX investigative results.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several documentation to Equifax regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc
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}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
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 XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. FAIR XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.
Complaint sub-issue: Trouble with how payments are being handled

I have emailed Earnest twice to get my payment day shifted back by 2 days, but they refuse to do so. They say I have to go in and manually change to monthly, wait 24 hours, and then change back dates. It's not worth my time for something they could fix on their end in 3 seconds! See below for latest email I sent them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX PDT Can you move my payment date back by 1 day ( move to XX/XX/XXXX, instead of the XXXX ). This will help me align it with my paycheck that I get on the XXXX. Please don't tell me I can do it myself. I want you to do it for me. I know you have the capability. Consider this message my formal written request. 
Please keep passing this up the chain of command until it reaches someone that can fix it. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax- On or aboutXX/XX/XXXX I called Equifax after receiving my credit report. There are inquiries that i din not give my consent for. I asked them to remove the fraudulent inquiries and they refused. This is negatively impacting my credit score. They are as followed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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  : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$700.00} ; 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: Problem getting your free annual credit report

I need ALL forms of ALL reports created by LexisNexis, including XXXX XXXX life-insurance related, health insurance-related, etc. reports to review for errors because I received multiple letters of adverse action from multiple LexisNexis report types. These AA letters indicated patently false data points/information. I need these false data removed because Im being surcharged for various insurance types, and other carriers will not accept me ( based on the LexisNexis report ( s ) ). 

Further, I wish to exercise my Right to Be Forgotten and must examine the records to ensure all requests have been deleted or else to know how to refer to such reports. LexisNexis will not advise to its formal opt-out system for all its productsonly one, singular tool for one report type exists, and they allege compliance with my request. 

I requested my report via Internet in earlyXXXX, midXXXX and again this week ( early-XXXX ). I still do not have any reports as of today, XXXX. 

The company reached out to me via XXXX after having complained about the disservice, but theyve failed to follow through with their promise to even reach out. 

Beyond the above items costing me ongoing financial harmfor which Lexis is directly liable, I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). Please help me get this and in an expedited manner. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

The XXXX XXXX XXXX sent me a letter future-dated XX/XX/2021 stating that a correct copy of the certificate to levy my bank account. On XX/XX/2021 they levied my bank account for {$1700.00} without my knowledge. nd did not provide any of the following information that I requested : 1. ) What is the debt for?

2. ) Proof that this was my debt?

3. ) What date the debt took place?
Complaint sub-issue: Debt was paid

On XX/XX/2020 I paid XXXX  XXXX the amount in collections of XXXX on account XXXX on my debit card on XX/XX/2020 the funds where released from my bank. XXXX XXXX send me a paid in full email and stated that they would contact IC System to remove me from collections. 2 months later IC Systems still have nor removed or updated there system that the balance is paid in full. 
I have call them and sent them the payment letter. On XX/XX/2020 I again called IC System and they tell me they will not remove it until XXXX   lets them know I asked can you just call to verify I a as told no. I called XXXX who stated the bill is paid and IC System was made aware on XX/XX/2020 through there computer system. I spoke to XXXX XXXX at IC System and XXXX XXXX the supervisor
Complaint sub-issue: Account information incorrect

I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. In XXXX XXXX, I checked my credit score and noticed XXXX XXXX XXXX had reported two late payments XXXX XXXX and XXXX XXXX ). I contacted them in XXXX of XXXX to dispute these false statements and nothing was done. The faxes were sent over on XXXX XXXX, XXXX with bank statements proving the payments were paid on time and were not late. 

On XXXX XXXX, XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by XXXX XXXX XXXX I could not go forward. I then again contacted XXXX XXXX XXXX and Equifax to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XXXX I supposedly called and asked for the additional monies that were sent in be applied to principle and with XXXX XXXX payment being only XXXX, which was what was due at the time the payment was now considered late. XXXX XXXX has nothing to do with XXXX of XXXX payments whatsoever. On XXXX XXXX, XXXX I was advised XXXX XXXX XXXX is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested that Equifax, XXXX and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Complaint sub-issue: Reporting company used your report improperly

On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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

Please remove all the collection accounts listed here.. The accounts listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the accounts with Equifax but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

After seeing my credit report I notice item in there that are erroneous and inaccurate listing. The Congress grant me the rights to dispute and correct what I know is erroneous from my credit profile.
Complaint sub-issue: Card was charged for something you did not purchase with the card

It let a XXXX young man stay in my home in late XX/XX/XXXX, who got a hold of my home depot  credit card. He started to use the card XX/XX/XXXXto buy himself expensive tools and power - equipments without my knowledge and also signed for the charges at the checkout. 
It was n't a big charge and I never thought that it was n't my charge. After receiving the statement I just went to pay the bill without any question. Home depot recognized that it was n't my signature but did n't let me know. When in later statements I was charged for more expensive items I called home depot and asked them to itemize the charges for me because I did n't recognize any of those. After the phone call I started a dispute against the charges.
Home depot given credit for those charges this time, but on XX/XX/XXXX I received a letter from home depot in which I was informed " we have rebilled your account and consider our investigation closed ''. 
Their decision was based, in part of the following : .... The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 

On XX/XX/XXXX I filed a police report about multiple credit card charges. 
Of all the credit companies, only homes depot who holding me responsible for the charges because " the person who used your card was living in your home, so you 're responsible ''. 

Yes, my card was used, and I was victimized by the person who used the card. 
But now I 'm victimized again by the credit company to pay for something charged by the thief and those items are not even in my possession! 

I really do n't think that it 's fair to pay for something I did n't buy or charge..
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted complaints with each credit reporting agencies about these issues and asked for removal of the inaccuracies. I started with the agencies first then came here and added complaints. And still inaccuracies remain including not reporting at all to one bureau in which a representative let me know they do not report to all bureaus. below I have all a Tri merged report that shows all the inaccuracies on my consumer report still not corrected and adding detriment to my file by putting collections on my repeort which is consumer experience and shouldn't be on file anyway per my first complaint 15 usc 1681c. section 604 a 5 section 2. referenced in complaint XXXX equifaxXXXX XXXX
Complaint sub-issue: Account status

XXXX ACCOUNT HAS BEEN ON MY EWUIFAX REPORT FOR 7 YESRS NOW AND HAS NOT BEEN DELEED YET THE CREDITOR ALSO HAS NOT REPORTED ANY PAYMENT HISTORY FROM THIS ACCOUNT SO THIS ACCOUNT SHOULD BR DELETED FROM MY EQUIFAX CEEDIT FILE XXXX AND XXXX JUST DELETED XXXX ACCOUNT FROM THEIR REPORTS BECSUSE IT HAS BEEN 7 YEARS AND FOR SOME ODD REASON EQUIFAX IS REFUSING TO DELETED THIS ACCOUNT
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX. I have a problem with Equifax, I have already sent two reports of identity theft, two letters from the FTC until I have sent them by fax, and every time I speak with a representative they tell me that the letters do not arrive
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA, the following accounts have directly violated my rights : XXXX  XXXX : Account # XXXX XXXX XXXX XXXX XXXXk : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 Section 604 A also states a consumer reporting agency shall not furnish an account without my written instructions. 15 USC 1666 B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE
Complaint sub-issue: Old information reappears or never goes away

Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute on XX/XX/2021 for {$2900.00} for an order I placed for rare houseplants from XXXX. The box was r wet toy no evidence they put them inside from seller. They did not ask for any evidence or photos which I had available. I was notified XX/XX/2021 that it was found to be valid with no notification by mail received or asking for evidence.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PROTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Complaint sub-issue: Problem with rewards from credit card

I recently applied for and was approved for a Citi Premier credit card in the middle of XXXX. The sign up bonus for the card was an additional XXXX thank you points for spending {$4000.00} in the first 90 days of opening the account. In the first month, I put over {$4000.00} of spending on the card. Its now been an additional billing cycle since then and the bonus points have not been added to my account. I contacted Citi and their representative said they would look into the issue and get back to me. That was over a week ago and I have not heard back from Citi or received the points.