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

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, XXXX and equifax regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Complaint sub-issue: Information belongs to someone else

l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.
Complaint sub-issue: Debt is not yours

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account. Delete this on my report as it really affects my credit standing.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried contacting XXXX Bank several times and the 1st few times I couldn't get far because I don't have an account number or credit card that the automated system is asking me for. I don't have this because I don't have a card to even have an account number. I finally found away to speak to a live person, on to find it was like an answering service. She took my information and my complaint and stated she would give the information to the company because the issuer of the card is an internet bank or something to that wording. I never heard from them. 

I have disputed this item many time with the 3 major credit bureaus. It always comes back verified. Like I've stated above, I've never used a card from them, applied for credit, authorized anyone to put me on as an authorized user etc .... it is damaging my credit and I want it off. It also looks like the closed the account and reopened a second account. Once again without any permission from me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Deposits and withdrawals

I have two accounts with Citibank. One one of the accounts I had some items post that the drew the account negative in the amount of ( -XXXX ). I had a positive balance in my other account of ( XXXX ). Citibank debited my one account to pay he other leaving one account at ( XXXX ) and the other account at ( -XXXX ). When I contacted Citibank its initial representatives were in call centers outside of the U.S. and the were very rude stating that Citibank has the right to collateralize any account a person has with them. To which I responded that might be true, but surely their are protocols for doing so, thresholds that trigger such actions. I explained considering that in one of my accounts I have a weekly deposit of almost XXXX deposited to the account ( XXXX ) There was no need for Citibank to take any action on my accounts because after all of my payments are made there would have been enough to cover the negative balance in my account. I had to call three times and finally after being on the phone for more than 2 hours I got a supervisor in a U. S. call center to explain their " sweeps '' protocol for collateralizing occurs when an  account is negative -XXXX or more and the account has been negative 10-15 days ( she later said that it is 15 days ). I explained to her this is why I have an issue. Because it felt like more of a unobjective human decision had been made more than an automated protocol followed, because my account was not negative more than ( -XXXX ) and it has not been 15 days since the account was negative. I take no issue with disclosures/protocols being followed. I do take issue with unjustified actions being taken on my account. It makes me wonder if this is widespread practice for Citibank not to follow its own right to collateralize protocols and its seems very petty especially considering my weekly deposits.
Complaint sub-issue: Account information incorrect

I have looked up my credit reports and seen I had late payments on my student loans. I work very hard to make sure that I pay all of my bills on time and hate that my credit is being ruined over something that is not true. I have tried calling and sending letters to get the situation fixed but I'm getting the run around. I sent my lettersXX/XX/XXXXstill no response
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/XXXX I made payment to US Bank to satisfy my vehicle loan and resulted in a XXXX  balance. I have been trying for a week to get the Lien released so I can sell the vehicle. All payments have cleared the bank and they committed to me to have the lien released electronically within 24-48 hrs when I called on Wednesday the XXXX  of XXXX for an update. My state DMV uses an electronic title process and as soon as the bank clears it I can have it. I have received poor customer service and many of the staff I have talked to at the bank have given immaculate and misleading info. With my mom satisfied I feel like my personal property is being held hostage. They not only have my money from satisfying the loan but they have a lien so I cant do anything. Please help me resolve.
Complaint sub-issue: Problem lowering your monthly payments

At the time I obtained the loans for school I was young and didn't have any guidance about credit and I didn't know how credit could impact my life.
Complaint sub-issue: Information belongs to someone else

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX account. {$2400.00} past due as of XX/XX/XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Balance {$2900.00} Account Name XXXX XXXX Account Number XXXX Account Type Business LOC Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

computer base system pre approve me for a credit limit then decline my application
Complaint sub-issue: Reporting company used your report improperly

My personal information was improperly stored on Equifax and compromised when a security breach occurred between XXXX and XXXX 2017. I obtained my Equifax credit report via XXXX and discovered it was linked to another individual 's identity. I believe my identity could be stolen, which would negatively impact my credit score, financial trustworthiness, and personal health.
Complaint sub-issue: Debt is not yours

I was sent a bill for XXXX dollars from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I never owed them any money. When I left XXXX XXXX because they refused a small loan I was given this outrageous bill. My account may have been overdrawn by XXXX or XXXX dollars however they are exaggerating this to thousand and more. Not only that XXXX XXXX XXXX XXXX signed a contract that they would not do anything negatively to my credit however I am now being threatened by this company and they are stalking me. After trying to go online to XXXX XXXX website recently to resolve a small overdraft I was immediately called by a debt collector and began receiving mail from them. I did not give them my phone number or address. I am now being stalked by a credit repair union over a small overdraft that is exaggerated to over a XXXX  dollars.
Complaint sub-issue: Information belongs to someone else

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from equifax and XX/XX/XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and equifax says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are Factual Data XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.
Complaint sub-issue: Account status incorrect

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of XXXX, XXXX XXXX Equifaxs delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Complaint sub-issue: Company closed your account

Citi Bank allowed unauthorized account takeover of credit card. I was promised a new account and card and have yet to receive it. See attached letter.
Complaint sub-issue: Information belongs to someone else

I have contact XXXX XXXX to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them
Complaint sub-issue: Account information incorrect

XXXX XXXX is on my two other credit reports as charge off which is XXXX   and a Equifax. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys Equifax and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX   balance on Equifax and XXXX report because it hurting me and this all happen due to someone fraudulent information on my report
Complaint sub-issue: Account status incorrect

There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citigroup has responded to my previous inquiry, and has not provided adequate reasoning behind the decision to provide me a credit card. Reference # : XXXX states : " Length of time accounts have been established on your credit report '' & Your credit report shows too many recently opened accounts. 

Every credit card I've had for the past 70+ months has been paid in full, on time, each month. 

This is predatory lending at it's finest
Complaint sub-issue: Investigation took more than 30 days

Twice has Equifax investigated a frauduelnt account and removed it after a 30-day investigation from my credit report to months later begin re-reporting the fraudulent account. Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXXhe Equifax representative said once received it would be removed again. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I did this and waited another 30 days while the fraudulent account reported in error on my credit report and it was removed again a second time. 

Now, for the third time, it has reappeared and I am going through the same process again and just filed a new dispute for a fraudulent item that has been investigated and found to be fraudulent twice already by Equifax. I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.
Complaint sub-issue: Problem with balance transfer

About 14 years ago, I deposited {$600.00} for a secured credit card with US Bank. I have been using this card ever since until XX/XX/XXXX when I called the bank and informed them I wanted the account closed and my deposit refunded. To my surprise the bank informed me that my card wasn't secured anymore and was operating as a normal credit card. US Bank claimed to have refunded me the money back in XX/XX/XXXX. I am adamant that no refunds were ever received from US Bank. I then requested documentary evidence or a paper trail that clearly shows a check from US Bank or funds were deposited in my account. 

The bank is unable to provide any evidence citing an obscure law that allowed them to destroy banking records after 7 years. They request that I take them at their word and they got no reason to lie to me. I find this very insulting. Its a brazen attack on my intelligence! I called the bank again today XX/XX/XXXX to no avail and spoke with XXXX in Underwriting. 

I also left a message for a manager called XXXX and she called me back stating her agreement with what previous employees had advised me. They stated my only other hope is to write a letter to their US Bank President or send fax. The President cant be reached by email or phone. Their goal is to make it harder for consumers like me to get their issues addressed
Complaint sub-issue: Overdrafts and overdraft fees

The bank has charged me $  XXXX  /day and  sometimes $  XXXX  /day for  each day my account is negative while I was out of town and could n't deposit into the account to bring it out of the negative. I went to the bank explaining to them the reason for the initial over-draft and the reason for not bringing my account to current. Yet the bank refuses to refund the over-d raft. Currently PNC has  charged me over {$240.00} in overdraft fees within a month for only one overdraft. This is ridiculous!
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

sent debt validation letter multiple times XX/XX/2019 XX/XX/XXXX XX/XX/2019 final letter sent XX/XX/2019 THEY CALL 10 TIMES A DAY AND ONLY WANT CREDIT CARD NUMBER OR CHECKING ACCOUNT NUMBER FOR PAYMENT WHEN I TRY TO GET MORE INFORMATION ON ACCOUNT THEY HANG UP ON ME. I SENT DEBT VALIDATION LETTER NO RESPONSE BACK. 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: Credit card company isn't resolving a dispute about a purchase on your statement

I can not cancel a gym membership and I am being charged
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following fraudulent accounts in my file. These items I need to be deleted contains inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these changes. I reported the theft on my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....
Complaint sub-issue: Debt is not yours

I have sent disputes letters to the credit bureaus for this account, and the company did not respond. The company says I owe XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.
Complaint sub-issue: Information belongs to someone else

I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.