Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Disputed Inquiries with all three credit reporting agencies. Called XXXX XXXX  over 60 days ago they recognized as fraud through XXXX and sent Inquiry removal letter to myself and XXXX   XXXX, and Exquifax. I sent letter from XXXX to all three credit reporting agencies to have removed. Equifax only one Refusing to  remove after receiving letter from XXXX and myself. 

1. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
2. XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
3. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
4. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks 5.XXXX  XXXX  XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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

I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.
Complaint sub-issue: Reporting company used your report improperly

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$23000.00}, {$39000.00}, {$10000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

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

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Complaint sub-issue: Trouble getting, activating, or registering a card

I have called reliacard several times in order to get a replacement sent to me and Ive uploaded my identity documents several times to no avail. I just received my 1099 with my benefits loaded on to the card amount and I still have no card!!!!! I dont know if someone stole it or what but Im about to report them for fraud bc I have to file my taxes and pay on money I NEVER RECIEVED!! Help please.
Complaint sub-issue: Information belongs to someone else

In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Equifax regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to Equifax. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EQUIFAX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Equifax on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Equifax 's end or on my credit reports. Next, I submitted to XXXX  on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX  had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX 's end or on my credit reports.
Complaint sub-issue: Funds not received from closed account

Citibank checking account ..I was hospitalized for 9 months ..i have police report and document of all 7 doctors and staff of my condition ... meanwhile someone decided to take my identity and use it ..his name is XXXX XXXX ..It opened up credit cards and took trips shopped used all my money while i was hospitalized ..when i got better i start to open my mail i notice that i was missing XXXX and a abundance of credit card in my name ..I disputed them with Citibank XXXX.I got 1/3 of the money i got back but all the credit cards that where opened in my name and paid from my account where not reimbursed to me ..I get calls every day I have so many debt collectors and had XXXX inquiry on credit report .citibank closed that account and opened a new account for me ..but while the investigation was still going they sent me a letter saying that they have decide to stop our banking relationship with me so they went and closed even my new account ..as of today they still our investigating but didn't want to do business with any longer so now i have no bank account ..i was the victim but they screwed me like XXXX ..I still recovering from my illness ..what a kick in XXXX Citibank is ..also their was a XXXX paymet made to a credit card that they cant find where it went XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX  plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!
Complaint sub-issue: Information belongs to someone else

Equifax Complaint : They show 2 credit inquiries from XXXX that were not mine. First on XX/XX/2018 and second on XX/XX/2018. I've disputed it with both Equifax online and the results were and they said a credit inquiry can not be manually removed. I've called equifax several times and they have not removed and done anything. 
On XX/XX/XXXX I have set up a fraud alert with all credit agencies, nothing show all the other agencies only at equifax. 

Fast forward I received a notification my credit was pull again by XXXX XX/XX/XXXX. Again, i have not authorized or applied for anything. I called XXXX fraud department at XXXX and was told the same information. No account was created with my info. 

XXXX Complaint I've contacted XXXX fraud department several times at XXXX. They say no accounts have been created on my name and perhaps this is just a reporting error. They keep on telling all I can do is go to their website and file an inciddent. 

Neither XXXX or Equifax seems to be wanting to resolve the reporting issue and update my records.
Complaint sub-issue: Attempted to collect wrong amount

I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2020 we paid with Citicard Credit Card car dealership to fix our auto {$980.00}. Dealer claimed they did fix our car. We arrived at dealer and paid in good faith. When we arrived to pick up our car, the dealer tried to deliver the car with no fix right there in their own garage. We never took the car back. Dealer then refused to return our money. Claim : Work we paid for was faulty or not completed. 

We then dispute the charge with Citicard two days later. Citi put a hold on the charge. We then sent a complete 26 page report to Citicard about the dispute on XX/XX/XXXX. Citi wrote us they ruled in our favor XX/XX/2020. The charge was removed ... then later magically appears again on our monthly statement. We contact Citicard on several occasions to find out why. They claim that we should be removed and ruled in favor. Then we receive a letter from Citicard dated XX/XX/2020 saying we must pay anyway. See attached two scans. 

Complete run around and hung out to dry by Citicard to us, and days of hours of calls on the phone with them for a further run around.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to get my free annual credit report from XXXX. XXXX  worked. However, XXXX  and Equifax do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given Equifax is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit report.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Complaint sub-issue: Information belongs to someone else

I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to OCA in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. 

I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX ( account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX XX/XX/2020 2XXXX / XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Indicated shouldn't respond to lawsuit

I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.
Complaint sub-issue: Public record information inaccurate

submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My son leased an apartment from XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. A few months after moving in he found out that the apartment is full of bugs. He notified the management and during the next 2-3 months the management sprayed the apartment on four separate occasions, but they could not get rid of the bugs infestation. The bugs would be everywhere. He had to remove all the dishes and food from the kitchen cabinets and kitchen area and he could not sleep at the apartment since the bugs were growling on his bed during the night. He stoped sleeping in the unit around XX/XX/XXXX. We met with three members of the management company at the end of XXXX and since they could not resolve the issue with the bugs and the apartment was not in livable condition my son was released from his lease agreement. We agreed to pay the rent for the month of XXXX as FULL AND FINAL PAYMENT. My son paid close to {$1400.00} rent and they also kept his deposit of {$250.00}. ( Total of {$1600.00} for not using the place for more than six weeks ). 
To our surprise a few weeks after he paid the final payment he got another bill for {$100.00}. We called the manger and explained this was incorrect and there is no balance due. We asked that this mistake will be corrected but instead of helping us, this balance was transferred to XXXX XXXX XXXX XXXX. Our attempts to tell Hunter Warfield that there in no balance due fell on empty ears. 
We believe that this is harrasament. We would like XXXX to correct their records and honor their agreement with us from XX/XX/XXXX. Per agreement this account was paid in full. We also would like XXXX to instruct Hunter Warfield to close their account and to make sure that none of the credit agencies show that this account was ever in collection.
Complaint sub-issue: Confusing or misleading advertising or marketing

I forgot to mention the financial person.left me and took my lease paper work. ..which.showed.the amount of the car. I believe he told the bank the real amount of the car. So he can get a commission. Because when I seen him he said this car is XXXX.so that might.be the mole he is the financial person in XXXX mall on XXXX XXXX.I believe he is the thief. But US bank should know and the people in XXXX this car was leased already. U can not sell it for the same price like I just came too buy it. .so there is something going on. And I really hope something is done. I'm not the only one. THANK YOU
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt is not yours

I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.
Complaint sub-issue: Information belongs to someone else

Equifax continues to list XXXX on my credit file which is false information ( see attached ). An unaffiliated XXXX family lived next door years ago in XXXX XXXX who I believe had this number. Due to fraudulent accounts that XXXX XXXX XXXX sent to collections, one the XXXX XXXX XXXX skip tracers i.e. XXXX XXXX most probably misreported this number to Equifax but the number is incorrect. 

XXXX has been my phone number for all of the 14 years I've been here ( XX/XX/XXXX XXXX and 12 years (XX/XX/XXXX ) when I lived around the corner.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly 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 account corrected as soon as possible : XXXX XXXXXXXX