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

I 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX, XXXX XXXX, XXXX/XXXX  have inquired over 15 times on my Equifax Credit Report without my authority. I have since confirmed with XXXX XXXX  and their private label cards for them to remove the fraudulent inquiries from my credit report. I have been going back and forth with Equifax to no avail.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, my family and I arrived at the XXXX XXXX XXXX   after having made a reservation for a one night stay on XX/XX/2019 through XXXX XXXX   using our Citi card for {$430.00}. We were told by the hotel manager that no reservation could be found and they told us to contact Citi to dispute the charge. We reported the dispute immediately on XX/XX/2019 and arranged for a stay at the XXXX XXXX   using other means. 

A few months later, we noticed the charge was reversed back to the card. Citi said they investigated and the provider provided false claims that they did make the reservation. I contacted the hotel manager and had her provide documentation that states that the XXXX XXXX is not a third party they do business with. I also found numerous complaints on XXXX   XXXX online for the same exact scam. 

Citi claimed to have made every effort to resolve this dispute with the merchant and/or their bank but had not been successful. They said the merchant is not willing to issue credit to our account and that they no longer have any additional recourse to pursue a credit for us through the dispute process. They advised us to seek other means to resolve this matter and that their investigation remains closed. 

I tried to contact the merchant. They will not answer the phone. Citi abandoned us. Citi did not do their due diligence in protecting the consumer when ample evidence was supplied.
Complaint sub-issue: Account information incorrect

On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account
Complaint sub-issue: Was not notified of investigation status or results

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Complaint sub-issue: Transaction was not authorized

Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at 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 719XXXX has me at a score around 590. 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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX CT XXXX XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention
Complaint sub-issue: Other problem getting your report or credit score

I have been sending Equifax & XXXX  information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my XXXX  & Equifax Credit Reports and after finally receiving the XXXX  report, it would not allow me to proceed to receive the Equifax report. 

Then it wouldn't let me back in to get the Equifax report saying that it was no longer available online.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FAIR COLLECTIONS & OUTSOURCING 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

please see identity theft report. i have consistently disputed fraudulent accounts that are result from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Complaint sub-issue: Banking errors

On XX/XX/XXXX, I first went to my bank and withdrew {$400.00} in cash and went right over to Citibank and deposited it there to my other account. I received two receipts for the deposit, but the money never showed up on my Internet account, nor did it show up in the records of Citibank in the XXXX. I spoke to XXXX at about midnight on the XX/XX/XXXX and she said she did not see a {$400.00} deposit. I spoke to XXXX at approximately XXXX on XX/XX/XXXX in the executive response unit in XXXX XXXX , TX , and he said the money was in my account, but I looked at my internet just before I called him, it was not in my account online. I then called the assistant branch manager XXXX, who was at a different branch in XXXX XXXX, as the branch manager was at a meeting and not in the branch. This afternoon, I went to the branch manager and told him the problem and he basically said I was a liar!!! He did not try to see what went wrong and did not take any responsibility and it didnt even ask my name. 

When cash is deposted it is supposed go into my account and show in my account immediately, but it didnt until approximately XXXX on XX/XX/XXXX. I have never had a bank do this to me. 

I pulled all my money out of my account at Citibank and left the account open, but also canceled my direct deposit, as I do not trust this bank! 

There is something very wrong with XXXX in XXXX, CA
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

To whom this may concern : Recently I received a new credit inquiry reflecting on only my Equifax report, which was not me. It seems my credit was ran on XXXX XXXX for a XXXX XXXX. ( XXXX ) account. I reached out to Equifax, XXXX XXXX and XXXX to see what 's going on and to also set up fraud alerts. I figured I would contact Equifax first, as they are the only company showing this recent inquiry. After speaking with Equifax and setting up alerts on my account, they could n't help my issue, but instructed me to contact XXXX XXXX, as they will need to send in an electronic request to remove the inquiry, as they are supposedly the ones who pulled the credit. Equifax claims that the company who initially pulled the credit profile are the only people who can remove the inquiry, by submitting an electronic request letter to Equifax. After speaking with Equifax, I then contacted XXXX XXXX to see who attempted to open an account with my social security number. Finally after being transferred around with XXXX and speaking with several XXXX reps/managers, nobody was able to find any information on me at all. They searched several different ways to try to locate something on me. Whether by name, social security #, address, etc. they still could n't find anything at all. They also told me since they ca n't find any account info on me, they would be unable to send the electronic request letter to Equifax to remove the inquiry because I am not even a customer in their profile. I said, Ok I appreciate your help I will contact Equifax again. After so many phone calls back and forth hearing the same thing over and over 10+ times, I finally gave up. I 've called Equifax numerous times and put in about 6 disputes for the same credit inquiry issue, but they keep insisting that I contact XXXX XXXX to and have them send the electronic request for removal. After speaking with XXXX again many times, they are still unable to locate any info and/or send the request because they do n't even know who I am. I am hoping to get this simple inquiry off my credit report. NOTE : I recently applied bankruptcy about 2 years ago and only had 3 total inquiries on my account since. The bankruptcy lawyer needed to run my credit, which was one inquiry. After doing bankruptcy, I was told to get a secured CC. So, I applied or a XXXX secured credit card, which I did n't get..so that was 2 inquiries already. Finally I tried again for a XXXX XXXX secured card and got it. I should only have 3 inquiries on my credit profile.
Complaint sub-issue: Old information reappears or never goes away

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX XXXXXXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) Enhanced Recovery CO XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted proof to Equifax that XXXX XXXX had removed the collection off of my XXXX-XXXX   Account on XX/XX/2019. It is still on there. XXXX XXXX Has legal responsibility to me as a Consumer to remove this OFF my XXXX and Equifax reports as well.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My federal student loans were medically XXXX in XXXX, 2021 ( verifiable by Dept of ED ). However, I received a phone call in XXXX, 2021 about my student loan being in debt collections with R & R Solutions , Inc. Please see attachment. My point of contact was XXXX XXXX until now ; I have not been able to reach at XXXX. I left her a voice mail message at XXXX after doing an internet search : XXXX XXXX XXXX XXXX XXXX  I also reported my complaint to Dept of ED Ombudsman ( XXXX XXXX. XXXX ) by speaking with XXXX at XXXX. I was asked if this was a private loan? I don't believe so since it was medically XXXX. This company has received several complaints and an " F '' rating from the XXXX They are stealing money from clients especially people on a low or fixed income. I would like this company to be put out of business due to fraudulent practices.
Complaint sub-issue: Deposits and withdrawals

Hello CFPB, I would like to file a complaint to Citibank. Last week Wednesday XX/XX/2021, I was trying to transfer my money of {$190000.00} from Citibank to my XXXX XXXX Account. I was not able to complete the transaction online because the Citibank external transfer is limited to {$10000.00}. And I called Citibank, the representative suggested me to do a wire transfer instead. And I did the wire transfer on the phone with the Citi representative under her instruction. And the representative told me to call back the next day to confirm the wire transfer. 
On Friday XX/XX/2021, I called Citibank, the first representative told me she wasn't able to confirm with the transfer and told me to call back in 3hours. I waited and called again, the second representative said she was not able to confirm and said someone will contact me for confirm, I waited for another 3hrs, no one have ever contacted me. Then I called Citibank again on the same day evening, same response, they can not get a confirmation. 
On Friday XX/XX/2021, I decided to cancel the wire, and tried to pull the money from XXXX external transfer from Citi in two transactions, {$100000.00} on XX/XX/2021 and {$90000.00} on XX/XX/2021. 
Today morning XX/XX/2021, I got an email from XXXX indicated that my account from Citi is frozen and they are unable to do the transfer. 
I immediately called Citi to find out what is happen to my account, I waited an entire day for an answer, the representative told me that they will be able to unlock my account with the fraud prevention department, but wait an hour wait, and verification with the fraud prevention department, the representative told me he was not able to unlock my account, and the account is still under review. 
Citibank case number is XXXX, and the person from the fraud department name is XXXX. 
The money that I initially deposited into Citibank came from the same account that I was going to transfer my money back, XXXX. Both accounts below to myself, solely, and with the exact same name on the account. There is no reason for Citi to hold my fund. 
Citibank is taking unreasonable amount of time to review my account for almost a week. and I'm still not able to access to my own money!!! 
Please help me to fix this problem. 

Thank you. 

XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I checked my credit karma and I have 2 credit cards that are maxed out from XXXX. One with {$10000.00} and the other with {$7700.00}. I have not opened any of these cards or know what they are. It dropped my credit score XXXX points. It says one account was opened XX/XX/XXXX and the other XXXX XXXX XXXX I would like to know who opened these account if possible and have this resolved.
Complaint sub-issue: Having problems with customer service

I currently have a direct consolidation loan which is service by FedLoan. Over the past three years that they have serviced my loan, it has been extraordinary difficult to recertify my income based payment and to get them to process the paperwork in a timely way, without repeated errors. The employees are unable to answer questions about why payment amounts do n't match those listed on the student loan calculator and why applications were routed into programs other than what was listed on the application. This year after originally filing for an IBR, I learned that the new REPAYE program would be an option for me. Despite filing the paperwork w/ them XX/XX/XXXX, my loan is still not fully enrolled in the program. Instead, the company opted to put the loan in forbearance for several months. It 's unsettling that my loan interest continues to capitalize b/c of their inability to process the paperwork. Further, it 's unclear to me why servicers are n't required to meet particular deadlines for completing paperwork. I submitted my materials in a timely fashion, yet I continue to wait and accrue even more interest.
Complaint sub-issue: Card was charged for something you did not purchase with the card

To whom it may concern : My XXXX statement from Sears mastercard included multiple charges from a vendor, XXXX, XXXX, totaling {$1600.00}, which were fraudulent. I contacted the customer service immediately and reported the fraud. I subsequently received statements from the vendor, which were illegible, but did show that I was not the customer making these charges. I have since received another statement from the credit card company, showing that these charges were submitted again for processing. 

Please advise.