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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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. 

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 alleged identity theft, not later than 4 business days after the date of receipt.
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 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

XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.
Complaint sub-issue: Personal information

EQUIFAX HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
Complaint sub-issue: Personal information incorrect

I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Account information incorrect

I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.
Complaint sub-issue: Reporting company used your report improperly

This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party Bureaus of Accounts Management to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Complaint sub-issue: Problem during payment process

I'm having an issue with CitiCards. When I make a payment for my statement balance in full, the last two times they have always requested/received TWO full statement balance payments from my bank. So,  I've had the same issue happen twice now. 
It happened once on XX/XX/XXXX. 
It just happened again today/yesterday. The payment is still processing/pending with my bank. 

So, inXX/XX/XXXX, I scheduled a payment for {$900.00}. It was scheduled at some point in advance of XX/XX/XXXX. On XX/XX/XXXX, my checking account with XXXX XXXX XXXX that was being used to pay the credit card bill is charged for {$900.00} TWICE. My credit card bill then starts to show a balance of NEGATIVE {$900.00}. I didn't think much of it at the time because I thought I may have scheduled two payments on the same day by accident and not checked the scheduled payments. I carried a negative balance on the card for a while and had no need to make a payment in XX/XX/XXXX. When the billing cycle payment due date came around in XX/XX/XXXX, I had a bill for {$91.00}. I used the mobile app to schedule payment XX/XX/XXXX. I checked it to confirm there was only ONE  listed scheduled payment. That was all I ever saw. I received an email from Citi cards telling me that my payment was received and then I saw something showing I had a NEGATIVE balance again. 

I contacted CitiCards today through their chat platform. The person was helpful, but I have no sense of this actually being resolved. I contacted my bank, XXXX XXXX XXXX, to confirm it wasn't on their end. They said they received two  authorizations in XX/XX/XXXX and there are two more coming in for this recent instance. XXXX XXXX XXXX offered to put in fraud claims for any/all of the charges, but I elected to not pursue that at this time because I don't want " block '' myself from paying my own credit card bill. I was concerned that would lead to late fees or interest fees with Citi that I would have to discuss with them. 

I requested that I receive an email or phone call of some kind to verify that this is taken care of. It seemed as though they will apply this information to my account, but I have no idea if anything will change. I just wanted to get this out there because if people are carrying a relatively low checking account balance, this DOUBLE billing practice may result in fees from their bank or wherever they are drawing from to pay their credit card.
Complaint sub-issue: Problem during payment process

On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, my husband and I requested credit investigations as Equifax and XXXX XXXX. Since that time, my husband has received his results, but I still haven't received anything in response. Equifax and XXXX XXXX were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.
Complaint sub-issue: Problem with fees

Last XX/XX/XXXX I paid off my Citibank card for the last time. I always paid my balance in full by the due date and never carried a balance on this or any other credit card in 30 years. After I made the XX/XX/XXXX payment, for the full balance, I canceled the card and destroyed it as instructed, so I don’t currently have the card number.However, Citibank's phone workers ID numbers XXXX, XXXX, and XXXX (who gave his name as XXXX), were able to pull up my account from my name and date of birth. Citibank claimed that my payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX or XX/XX/XXXX, depending which phone worker was talking to me. They also said a late fee could be waived as a courtesy, but they never offered me this courtesy when I phoned about it months ago after receiving the first statement with a late fee on it (and no purchases, because I had canceled the account). Every month they add another late fee on the late fee, and interest on the late fees, and now I’m told the balance, which I paid to XXXX in XX/XX/XXXX, is now over XXXX Two of the phone workers told me only one late fee could be waived, even though the subsequent ones are bogus, based only on the first late fee. However, they won’t waive the first one that caused all the others.XXXX told me he had a supervisor, but refused to escalate my call to that person.As I see it, this whole scheme is fraud on Citibank's part. There may also be negative consumer credit reporting related to this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ive been calling equifax and XXXX to remove hard inquiries from my report. my social security number and other information was stolen in around XXXX XXXXXXXX the credit bureaus refuse to remove the hard inquiries i have requested.
Complaint sub-issue: Was not notified of investigation status or results

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Complaint sub-issue: Didn't receive enough information to verify debt

Hello I am the co-signer to the loan in question, my daughter XXXX XXXX was the recipient. 
Loan to Learn/EDUCAP locked us out of our account more than ten years ago, and I no longer have any record of my trying to contact them back then. Sent them another certified letter on XX/XX/20, and do not expect a response. 
Would like to get the loan resolved and off our credit histories, and if you folks could help, that would be great. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the Equifax breach. The name listed on the account is not my name, so now I have a copy of my lease!!!
Complaint sub-issue: Information belongs to someone else

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, Equifax and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019 a letter was sent out asking that the collection account be removed from my credit report this letter also stated that they never sent a letter out notifying me of this debt and of the option to dispute it before being placed on my credit report. 

Original letter sent to company attached.
Complaint sub-issue: Account information incorrect

I have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Complaint sub-issue: Problem with fees

Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right?
Complaint sub-issue: Personal information incorrect

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Complaint sub-issue: Information is not mine

XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.
Complaint sub-issue: Information belongs to someone else

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from Equifax, XXXX and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Complaint sub-issue: Account status incorrect

THIS ACCOUNT FROM MACYS ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXXOF XX/XX/XXXXTO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Complaint sub-issue: Investigation took more than 30 days

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Complaint sub-issue: Public record

There is a tax lien on my credit report with XXXX XXXX XXXX, docket XXXX for a federal tax lien in the amount of {$21000.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to IRS to get this federal tax lien verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I have not received XXXX document that shows this account is owed bearing my name, address, birth date, social security number, or anything with my signature on it. I was even told by the court house that they do not report to the credit bureaus so how can this be reported?
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX