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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request EQUIFAX the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the list of items that needs to be delete in my file : XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}.
Complaint sub-issue: Information belongs to someone else

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Complaint sub-issue: Problem with fees charged

I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.
Complaint sub-issue: Debt was result of identity theft

My husband XXXX XXXX XXXX XXXX daughter works for U.S.Bank & now she works for XXXX XXXX a computer company. She took out a student loan in his name we received a copy in XXXX he is disable from birth with XXXX XXXX he Can Not read & can only write very little. In XX/XX/XXXX we hired XXXX XXXX XXXX XXXX they showed us where & how she's been able to pull off this Identity Theft on her Dad, they went back to XXXX she got credit at XXXX XXXX & all the U.S.Bank positive accounts were done by her. She's a notary too, XXXX caught her signing his assets over to herself. We have contacted U.S.Bank over & over for years. They foreclosed on us for a mortgage we didn't do auction date XX/XX/XXXX then again XX/XX/XXXX, XXXX again on XX/XX/XXXX & now number XXXX XX/XX/XXXX. We stopped all six with documents they didn't think we had without a XXXX. We filed an Identity Theft Report with the FTC. In XX/XX/XXXX a lifelong friend found online three checking accounts in my husband s name we knew nothing about, they went to U.S.Bank closed that one they didn't give them any paperwork they went to XXXX XXXX & closed a joint checking account thy asked them how could she open a joint checking account without him being there they said that they didn't know they gave them no statements either, my husband & I closed the last one thge next day at XXXXXXXX XXXX XXXX XXXX XXXXXXXX they gave us some of the statements. On the cancelled checks the one in the middle is where she printed his name as XXXX then she sign his name he wasn't there & didn't give her consent & her & her ex husband bankrupt in XXXX with our property. On the fraudulent document stating he had sold XXXX  XXXX acres the seal is over the writing on the first page & we have 2 witnesses that was there when she sign his name it wasn't in XXXX as she stated it was done in XXXX. U.S.Bank in XXXXXXXX XXXX sold XXXX acres on XX/XX/XXXX the first auction date was XXXX you ALL ... XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

My name is XXXX XXXX XXXX and I have been a CitiBank acct holder since XXXX. In addition to a checking account, I also maintain a savings account, credit card, and personal line of credit with CitiBank. Since opening my accounts with Citibank, I have always maintained my deposit and credit accounts in an outstanding manner. 

On XXXX, I logged into the Citi mobile app to make a payment to my personal line of credit and that was when i realized there was over {$500.00} worth of ATM withdrawals conducted on my account days before. I immediately called Citibank to report the unauthorized transactions. I hardly EVER use my debit card and primarily conduct all my banking via the consumer website and the mobile app. On XXXX Citibank took my dispute and began the claim. 

SINCE THEN, I have had no response from Citibank and I am still out $ 500+, it has now been MORE THAN 10 BUSINESS DAYS. By law I shouldve been given a provisional credit while this " investigation '' is still going on. 

On XXXX, I contacted Citibank and was transferred multiple times till finally I was handed off to an individual by the name of " XXXX '', who claimed to be an Account Client Supervisor. This person was extremely rude and kept interrupting me when I was trying to explain my frustrations to him. XXXX has NO knowledge or Reg E, does NOT work in the disputes/fraud dept., and REFUSED to answer the question of " When will this be resolved and when will I get my money? '' XXXX just kept repeating the same script and saying that it can take up to 45 calendar days and when I asked him about receiving a Provisional Credit, he refused to tell me when I would receive one. I asked to be transferred to dispute department or a manager and he refused and stated that " Special Investigations Unit '' does NOT talk to clients. ARE YOU KIDDING ME? They DONT???? What kind of investigations is Citibank doing if you're not even speaking to the victims of the fraud??? 

XXXX then put me on hold and stated that he would check on the status of the dispute in the back office. When I told him I cant be on hold any longer ( over 45 min ), he told me NO when I asked for a manager to call me back and THEN HUNG UP ON ME!!!
Complaint sub-issue: Account status incorrect

XXXX, XXXX, and Exquifax have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18,  Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  pulled my credit report without authorization
Complaint sub-issue: Their investigation did not fix an error on your report

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by Equifax and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and Equifax refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, Equifax and XXXX  continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), 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 creditor. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This debt was sent to the collection firm on XXXX XXXX, 2014 - 3 years and 6 months ago. 

I do n't know what this MEDICAL DEBT is for - as well, I did n't know MEDICAL DEBTS could be reported on an individual creditors report.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXX/XXXX  XXXX {$840.00} XXXX XXXX {$300.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Information belongs to someone else

Today was almost 60 days since I've sent dispute dated XXXX.2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of Equifax Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

Equifax was recently hacked and I 've been told that I may be a potential victim of the data breach. Equifax did not proactively inform myself or other victims about the breach. I was able to use a tool to find out if I was affected after reading a news report that directed me to the tool.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Account status

XXXX XXXX XXXX account listed on my Equifax report incorrectly. I 've been disputing the fact that it was ever late, but it was officially paid off in XX/XX/XXXX. When they responded to Equifax with that information, it started reporting 120 Days delinquent in XX/XX/XXXX. That ca n't be possible with it being paid off in full and only negative 60 days once and 30 days XXXX other times. XXXX XXXX agrees with me and says so in a letter that I 'll attach. Equifax refuses to update the record, but the other agencies have.
Complaint sub-issue: Information belongs to someone else

I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.
Complaint sub-issue: Account status incorrect

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XX/XX/2020 from XX/XX/2020 due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Complaint sub-issue: Information belongs to someone else

Collection of XXXX Balance : {$370.00} XXXX : XX/XX/2018 2018
Complaint sub-issue: Debt was result of identity theft

A person stole my identity and used the Tele-Check services inside a Casino to withdraw {$980.00} from my Checking Account with XXXX XXXX  XXXX However, due to suspicious several withdrawal attempts by the person that stole my ID, the bank had notified me to verify if that was me. Since I didn't know any of these transactions, the bank has stopped all of payment and advised me to close that account and reopen it with a new account with the XXXX XXXX. 

At the end of XX/XX/2022, I received a Debt Collection letter from TRS Recovery Services XXXX Inc. indicated that I owed {$980.00} and I responded to it a Letter explained that I never went to a Casino or used any Tele-Check services inside a Casino. In the Letter, I told them that Casino has ton of cameras that recorded every moment or services. They can pull out the video at the time of the Tele-Check cashing at their Cash Cage, then they will have the picture of that person that stole my Identity. On XX/XX/2022, I received a Letter from TRS advices me to file this report and provide all the information necessary for them to investigate.
Complaint sub-issue: Debt resulted from identity theft

Recently I was notified via the XXXX XXXX XXXX XXXX that MSW Capital LLC and XXXX XXXX Bank are attempting to collect a debt for a credit card account that was opened fraudulently. I went to court to file a motion to vacate a judgement in the plaintiffs favor since the documents that were supposedly served to me never happened. In fact the court stated that the service of notification was " problematic ''. In an effort to prepare for a future court date, I have attempted to contact MSW Capital and XXXX XXXX ban in order to garner necessary documentation on how this account was opened. I spoke to XXXX XXXX XXXX Bank representatives who apparently are located overseas and have proved to be of little assistance to getting all documents related to this case. I simply want information on how the account was initially opened and all supporting documents related to the account in question. The judge has continued the case in an effort to allow me to refute ownership. In speaking with the representatives at XXXX XXXX Bank, the account was opened online and there is not a signature card or agreement that supports their claim that I opened the account. It is my belief that a family member who was down and out on their luck utilized information they stole from my office in my home to open an account. I did not provide my information to anyone or make it available to anyone. Therefore I question the validity of the debt collection and the efforts of MSW Capital and XXXX XXXX bank, respectively, on the opening of the account and the credit collection efforts for an account that was fraudulently opened in my name.
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Account information incorrect

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
Complaint sub-issue: Billing problem

I attempted and failed to make a payment arrangement with Ally Financial. Admittedly, I'm behind on my loan ( new to this experience ) due to brief unemployment. I get it, they want their money. BUT they refused to provide XXXX with a XXXX or XXXX payoff amount, and also are refusing to take any payment from me, or provide me with a XXXX or XXXX payoff amount, which I believe is required by law. Just trying to find a solution here, and am met with literal laughter in the background and unprofessional phone calls that lead nowhere. I believe that Ally is breaking the law.
Complaint sub-issue: Information belongs to someone else

The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.
Complaint sub-issue: Problem with personal statement of dispute

Equifax/Equifax credit bureau removed the reinvestigation remark after my first complaint. Today I received a notification they added the same remark on the same account for XXXX XXXX XXXX. This is very frustrating because I have proof they are not reading my complaints by their actions.