Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I submitted a dispute to XXXX regarding XXXX XXXX XXXX for a collection account that I did not recognize. During the investigation all XXXX Credit Bureau 's place a dispute as well as for XXXX that I did not know at that time it was linked to XXXX XXXX XXXX. When the investigation was complete I received the results online but did not get any verification signature from either company stating that the account was mine. I received a notification on my credit monitoring that XXXX was removed on XXXX XXXX, 2016 then readded back to my credit report on the same day XXXX XXXX, 2016 as a new account. I then contacted the credit bureau 's about reinserting the account without being properly notified.
Complaint sub-issue: Reinserted previously deleted info

I am filing a complaint against Equifax and the creditor Voluntune for defamation of my credit. 
on XXXX/XXXX/2015, I discovered the creditor XXXX has been reinserted into my credit profile. 
The credit bearu is required to notify me within five ( 5 ) days of reinserting a prieviously deleted item. I did not recieve any such notification. 
I have requested Equifax to delete this item Immediately from my credit profile. 

I am ready to file a lawsuit against the creditor for reinserting the preivously deleted item under the fair reporting credit act.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead and have never sent the results of that dispute till this very day. Which is in violation of law. Then 30 days later sent me a correspondence stating they verified some of the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. I am filing this complaint because they are still playing. I am going to sue their XXXX if they dont correct this. Please help me get these fraudulent items blocked from my credit file. Equifax is the only one reporting them. XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX  XXXX  XXXX  XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries below I didnt authorize. More than 35 of them were deleted in XXXX and was readded. i have attached proof. 


Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous XXXX   Agencies XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Innovative XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies
Complaint sub-issue: Account status incorrect

One XX/XX/19 Rise Credit sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX   and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Complaint sub-issue: Didn't receive notice of right to dispute

My credit card was stolen back in XXXX.. They refuse to send me a paper copy so I can dispute the charges. I have tried but they will not even discuss the account without the pin. They will not send the papers for me to dispute the charges and they ruined my credit! they closed my access to log in to try to dispute the charges!
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020 Citibank closed my checking account without notice. They informed me that it would take 30-60 days to close my account and before they could remit payment to me for the funds remaining in my bank accounts. This created a SEVERE financial hardship on my family, as this was 100 % of the money that I had to my name, literally leaving me with not even {$1.00} in cash for my family to survive. We have been getting food from food pantries, living with relatives, and are entirely dependent on others for our well being and necessities of life ; my children have even went without medical care due to my inability to pay the co-pay for doctors visits. However, we have survived the very long 60 day time period. The full 60 day time period was up on XX/XX/2020. However, Citibank has NOT returned my money to me yet and I have left several phone messages with their Executive Response Unit, as well as emailed them and they have provided me with no response whatsoever as to the status of payment for the funds remaining in my account. I can not get them to return my phone calls or emails ; I have struggled and waited the 60 days that they stipulated in their response to my initial complaint ( case # XXXX ), I have reached out asking for a status update on the check they are to issue me as payment for the funds remaining in my accounts ( in excess of {$13000.00} ), yet I still get NOTHING from Citibank - no return call, no reply email, and certainly NOT ANY of MY MONEY!!! Its extremely frustrating that I have done everything stipulated and STILL can not get the money that is rightfully mine and desperately needed to provide for my family. Given their refusal to return my money and lack or any response to me whatsoever, it feels very much as if Citibank has stolen my money and wont even have the decency to speak to me about it, when my family has SUFFERED massively due to their poor decision to close my accounts and then keep the funds I had in those accounts. It is without a doubt the most horrible customer service I have ever received in my life, with little or no respect given to the troubles and trials my family has had to endure because of their poor decisions. It absolutely disgusts me that I am having to file yet another complaint just to get my own money returned to me or that I am forced to Beg for my own money to be returned.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft
Complaint sub-issue: Account status

I had a non contract account, which means I was not required to pay a fee for closing my account. One month later they sent me an bill with cancellation fees attach to my last bill. I was instructed to dispute the bill ... which I sent in my request to review the bill. I have been getting the run around on the status. Received XXXX letter that they were still working on my request, as of today no word. My thought was it has been removed and account closed.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Public record information inaccurate

ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM XXXX XXXX   XXXX XXXX..NEVER HAD ANY BANKRUPTCY
Complaint sub-issue: Was not notified of investigation status or results

According to 15 U.S.C. 1681 section 604 A. States I have a right to privacy. Equifax has violated my rights! 

On ( XX/XX/2022 ) I discovered ( XXXX XXXX XXXX XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out my written Instructions
Complaint sub-issue: Account information incorrect

I never attended XXXX XXXX University. I XXXX  in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.
Complaint sub-issue: Information belongs to someone else

" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on XXXX, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST 7 YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.
Complaint sub-issue: Debt is not yours

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Complaint sub-issue: Debt was result of identity theft

Citibank was notified many month 's ago that I was a victim of Identity theft. Citibank, Was given an FTC Identity Theft Affidavit, Which clearly explained the crime. I am a victim, not the criminal. Citibank refused to assist with the investigation, even though citibank themselves confirmed that the credit cards they sent out. Went to an Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Which I have never lived at. Citibank, never provided a response and citibank never investigated nor closed the fraudulent account ( s ).  These were opened by an identity thief using stolen identification documents. Which were in my wallet when they stole my wallet, and then proceeded to use my identifying documents. I reported this to the police, and to the FTC. Which is taking action to find the criminals. However Citibank is now attempting to file a Claim against me in a court of law for a Judgement for Debt that IS NOT MINE. The debt is the same credit card in which citibank was advised was fraudulent. I do not have any accounts, Nor have I ever done business with this banking institution. Per LAW they have to send me confirmation PROVING said debt, if they are attempting a judgement on the fraudulent debt. Again, I never signed any application, I have never received any credit cards from the company at all. I have not received any monetary benefits from said credit cards, bank accounts, nor personal loan or Line of Credit. These are all accounts that CITIBANK ALLOWED TO BE OPENED AND APPLIED FOR, WITHOUT MY CONSENT. The Hard Inquiries, that resulted from these accounts were deleted with the credit bureau, XXXX The Accounts were deleted and blocked from all 4 Credit Bureaus. Yet, Citibank is attempting to collect on the fraudulent debt, KNOWING it was fraudulent debt. I want this company reviewed, as they aren't following the FCRA, They aren't following the FAIR DEBT COLLECTION ACT, They aren't following the laws applicable to the state of Texas. I will report this to the Texas Attorney General as well. This is harassment, they have not even provided me with statements or anything from these accounts. They allowed a Fraudulent Email address XXXX, To OPEN THESE Accounts. I do not have access to their online site because again I DID NOT AUTHORIZE Any Applications, nor accounts with Citibank NA. This is fraudulent debt, and I will not pay said fraudulent debt.
Complaint sub-issue: Their investigation did not fix an error on your report

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX EQUIFAX JUST XXXX OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A XXXX GOVERNMENT XXXX AND NOW EQUIFAX IS XXXX IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING XXXX  FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


XXXX is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious XXXX  to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These XXXX  at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say XXXX  owe. I demand an investigation and I demand for a response to these allegations. XXXX not XXXX XXXX let this go XXXX  XXXX  up there in XXXX nobody will anything about it but I have a voice too and XXXX going public on you and your XXXX  ambulance chasing company. You broke the law and justice will be served. Wait for it
Complaint sub-issue: Account information incorrect

AES/XXXX XXXX is reporting wrong information on my credit report. 
XXXX and XXXX and XXXX have two different open date when the account begin. 
How can one account open on two different day.
Complaint sub-issue: Reporting company used your report improperly

these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted XXXX, Equifax, and XXXX multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX USA and comments
Complaint sub-issue: Information belongs to someone else

The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

The Account : DISCOVER FINCL SVC LLC # XXXX
Complaint sub-issue: Account information incorrect

NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.
Complaint sub-issue: Debt is not mine

i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS
Complaint sub-issue: Having problems with customer service

i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust