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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from analleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have been fighting reliacard now for 2 years to get my funds that were sent to me from child support. I have contacted the state and my worker who has sent the requested info for the deposit made to the reliacard company but we're never credited to my card.. 8 transactions in XXXX and XXXX totaling {$1200.00} The child support agency has sent the 8 payments I have been XXXX  since XXXX and this should have helped prevent that. I will be getting a lawyer after this and sue for damages and hardships if tho is not resolved
Complaint sub-issue: Problem with personal statement of dispute

I noticed a negative on my XXXX  credit report. After research I found that it is a 12 year old account opened in XX/XX/2006. This accoutn was always on autopay, but the creditor must have cancelled autopay at some point without notifying me. Therefore, the account shows late pays for 3 months, and now ways it is closed on XXXX. 
I attempted to contact the creditor ( CBNA, Citibank North America ) and they claim they have no record of my account. 
This is very low $ $ for me, and I just want to pay the account and have them correct the report, but nobody can help me. Even XXXX  refuses to give me more information about the account. 
The impact on my credit report has caused me to lose important business credit, and I'm at risk of losing my company which employs 30 people, and donates thousands to non-profits every year. Other than this issue my credit report is nearly spotless. 
Can you please help me get a response from Citibank so I can clear up the account and have it cleared from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX & XXXX IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XXXX & XX/XX/2017. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. EQUIFAX & XXXX HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information is not mine

This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Attempted to collect wrong amount

In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!
Complaint sub-issue: Account information incorrect

I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX 

Also I noticed inaccurate spelling & addresses. 

A total amount of {$23000.00} is reporting that are inaccurate.
Complaint sub-issue: Debt is not yours

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce within 10 business days stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This will is a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I was a member of a one time XXXX XXXX challenge at a fitness center. It was advertised as needing so many members by a certain date and it would be free of charge once the several week XXXX XXXX   challenge was completed. Once I arrived I was informed I needed to pay a fee in which I did. I was unaware that after the program ended the company would falsely continue to take {$50.00} a month of my bank account through a third party Company. Once I spoke with my financial institution and contacted the third party Co ( In which there was always a recording, no live rep ) I closed the account to keep the Third Party Co. from continuously withdraw from my account that was not approved. The company had my  account info from when I had to pay the one time fee the day I attended the first visit for the XXXX XXXX   challenge. Now I'm receiving a collection notice for {$170.00} that is not owed.
Complaint sub-issue: Debt was result of identity theft

I was notified on XX/XX/2XXXX via voicemail from collection agency Hunter Warfield that I owed a debt on a rental property that I never stayed at. The person used both my name and social security number in order to rent this property and has since been evicted. The amount owed is {$14000.00} and the company directed me to file a police report, submit an affidavit and a photo copy of my ID.
Complaint sub-issue: Information belongs to someone else

Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXXXXXX XXXX pa  XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions
Complaint sub-issue: Fees charged for closing account

I went up to XXXX Bank XX/XX/2022 to pay off a XXXX loan and while there was talked into taking all my saving of XXXX and putting it in a C.D at XXXX XXXX intrest since my savings was only making XXXX XXXX ..i was told of no penalties or stipulations other than it was for 17 months.When i returned home i went on line and saw that XXXX 's were going at closer to XXXX XXXX and called them back to cancel my CD since it had been less than XXXX..I called the CD dept and was told it hadn't processed yet so to call the bank..i called the bank and was told it wasn't there dept and that if i close it i would be penalized 3.0 % on the XXXXeven though if i left it in it would only make XXXX XXXX ... this to me is nothing but loansharking... I called up U.S Bank investment bankers who I had spoken to before and he said he could get me a but better rate if i could get the funds back into my savings ... he said he would look into it but the later said that since its under XXXX his department couldn't help.I called customer service who said thats not the way they do buisness and she would have someone contact me... as of now a week later no one has. Again I was never told of these penalties, if i had been told they would changed me more to close it than i would make to keep it I would have passed ... Also i was told by their investment banker earlier last year that generally early withdraws loose 3 months of prior intrest... so to loose XXXX XXXX on a XXXX XXXX CD seems criminal.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.
Complaint sub-issue: Can't use card to make purchases

Home Depot issued me a credit card with a {$8500.00} limit. On XXXX without cause, I received a letter stating they decreased my limit to {$6300.00}. I was in a middle of a major renovation project and when they decreased my limit, the project had to come to a stop because there was no available credit on the card. I immediately contacted Home Depot as I always paid on time, made additional payments, often paid the balance off in full, and was never late. They agreed this was an oversight and they then increased my credit back to {$8500.00}. A few months later they increased my credit limit to {$11000.00} as we started another major renovation project. Then on XXXX, I again received a letter stating Home Depot decreased my limit to {$8900.00}. Once again, our renovation has come to a complete stop because they decreased the limit to having only {$49.00} in available credit. Most importantly, every time Home Depot decreases my credit limit to the balance owed, it negatively effects my credit score.When my credit limit is dropped to the balance owed, it then shows I am using 100 % of my available credit. This unfair trade practice dropped my score XXXX points each time Home Depot did this. This is an unfair practice because as mentioned above, I always paid on time, made additional payments, often paid the balance off in full, and was never late. In fact, this is true for all of my lines of credit- nI have an exceptional pay history! It is extremely difficult and takes a lot of time to build credit and its is unfair that a credit card company can decrease my credit limit and damage my credit score. Home Depot should be held accountable for damaging my credit score!
Complaint sub-issue: Problem using a debit or ATM card

This is the 2nd complaint regarding this illegal situation. Citibank has placed a block on our Living Trust account, negligently again without formal communication from them. Also from my last complaint, Citibank submitted documents showing that they sent the documents request to an address where we haven't lived since XX/XX/XXXX but yet current statements reflect our correct address. Since my last complaint, I received a phone call from a XXXX XXXX from the XXXX XXXX XXXX XXXX Branch in XXXX XXXX XXXX. She asked me to fill out the documentation that was requested from me by their Know Your Customer Department ( " XXXX '' ), which I did and submitted directly to her on XX/XX/XXXX via email. The matter was supposed to be resolved. 

XX/XX/XXXX - My wife attempted to make a transaction using her Citibank debit card. The transaction was denied. She called me and asked me to find out why her transaction was denied. I called and spoke with a representative who then confirmed that the account was blocked by XXXX. They then transferred me to them and after an half an hour hold time, they informed me that they haven't received the documents that I submitted to XXXX XXXX. I informed them that I submitted those documents, as per their instructions, to XXXX XXXX in late XX/XX/XXXX. I asked them to remove the block and they informed me that they couldn't remove it until they receive those documents. Shortly after, I called the branch to where I was transferred back to their regular customer service number and then I was able to speak with XXXX XXXX. I informed her that XXXX has blocked the account again because they haven't received the documents I submitted to her. She confirmed to me that she submitted documents. I asked her twice, via email, for an update and the last communication was that someone in XXXX has confirmed that they have the documents and are working on removing the block. 

XX/XX/XXXX - My distraught wife called and spoke with a Citibank Customer Service to ask for the status of our account and if the block was removed. The block wasn't removed and she was transferred to XXXX who claimed that they don't have the documents which is contrary to what XXXX XXXX reported to me. This is crippling us and has put us in an embarrassing situation where we have to ask family and neighbors for financial help because of their negligence.
Complaint sub-issue: Information belongs to someone else

Dear Consumer Protection Bureau, I hope you are doing great!

I found accounts that I do not recognize. It seems for me like a SPAM items. Its a fraud and I do not want to have them in my profile. Can you please investigate them? Its identity theft for sure and let me know who used my personal information? and after you check them please remove.
Complaint sub-issue: Account information incorrect

On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.