Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of Indentity theft. Someone compromised my information and files taxes in my name back in 2010 and every since then I have been having issues. Majority of them have been cleared but Equifax ( mainly ) and XXXX refuse to remove incorrect information from my credit report. The information does not belong to me. I did not search for credit, authorize my credit to be ran, not provided and signatures or validation for this information to be on my reports. Specially a collection account XXXX. I must have had this account disputed a million times with Equifax. And each time they refused to remove it. They said all of my information matches. Well of course it would since someone stole my information! Recently I have had almost 20 or more inquiries within the last 60 days that I did not do. XXXX  investigated and removed them but EQUIFAX AND XXXX refuse to do so. I need this information removed immediately! I've sent letters to XXXX, XXXX & XXXX and they refuse bc they state that its policy. Please someone help. There should be an identity theft affidavit on file for me. I filed it with the IRS and the FTC back in 2010. Help! 

XXXX XXXX 's XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping me susceptible to identity theft, but its also hindering me from applying for credit
Complaint sub-issue: Investigation took more than 30 days

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Complaint sub-issue: Account status

I 've just reviewed my Credit History Report and have seen only 2- Late Payments, I ca n't seem to understand, how my Credit score can be this low, when all of my other Credit Bills and Payments are always on time, also, by the way the XXXX has to be a mistake they probably posted my payment late, the legitimate late payments have only been with XXXX back in XX/XX/XXXX-XX/XX/XXXX and that 's it, I know my scores last year was in the XXXX, how could they go down now?
Complaint sub-issue: Personal information incorrect

Equifax. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Complaint sub-issue: Public record information inaccurate

I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Complaint sub-issue: Information belongs to someone else

I filed a complaint with CFPB regarding XXXX XXXX claiming I owe money for a company ( XXXX XXXX ) that does not exist. XXXX XXXX responded to my compliant stating the company does not exist but that I still owe money. I even mailed out a validation letter to XXXX XXXX and they sent me an itemized statement that their company drafted up which is not proper validation. I sent my CFPB report with XXXX XXXX response and a copy of the itemized statement to Equifax. In my letter to Equifax I requested that XXXX XXXX be deleted form my credit report since they failed to provide proper validation and the alleged original creditor does not exist. Instead of them deleting XXXX XXXX, they used a STALL TACTIC and sent over my complaint to another collector called XXXX XXXX XXXX and XXXX sent me paperwork to fill out regarding the identity theft. XXXX XXXX has committed identity theft and fraud because I have no ideal who they or the original creditor is and Ive never done business with them or the original creditor and XXXX XXXX is reporting false information to Equifax. I want them immediately erased from my credit report.
Complaint sub-issue: Reporting company used your report improperly

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX Equifax are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?
Complaint sub-issue: Deposits and withdrawals

Citi Bank Litigation Support Unit To whom it may concern, My name is XXXX XXXX. My Citi Bank checking account number is XXXX. Sometime between the end of XX/XX/2021 and the beginning of XX/XX/2021 my account was restrained. Upon calling I was informed it was restrained due to a request by child support enforcement. As I am currently in disputes with that matter in family court, I chose to take no action at the advice of my attorney and allowed the process to take its course. My account was released and on XX/XX/2021 a debit in the amount of {$660.00} was taken from my account and said to be routed to Child Support Enforcement. This amount more than doubled the debt in question of {$300.00}. However I understand the judgment process so I have no issue regarding the amount taken. My issue which is far more urgent and frankly devastating at this point, is that Child Support Enforcement never received the payment. This has resulted in my license being suspended and them sending another request as of XX/XX/2021. Such actions have resulted in loss of wages due to my inability to operate a motor vehicle, putting my business at risk. We are already in very trying times and I would hate to lose my business to a chain of events caused by my banks mishandling of such a serious matter. I am distraught and as a provider this puts me in concern for my families future. I am a XXXX man in America I can not risk a encounter with police for operating my vehicle with a suspended license it could cost me my life. I have been trying to resolve this matter for almost two weeks and I think it is insane that I have to continue to fax letters in hopes that someone will get back to me. There should be a more appropriate channel for such urgent matters. This is my last attempt before taking legal action and reporting this to the Consumer Financial Protection Bureau. My debt is now at {$390.00} it has Accrued a additional {$90.00} since the money was taken from my account over a month ago. Which is crazy because Citi Bank took {$660.00}. But my most prevalent issue is my inability to provide for my family without risking my freedom and possibly my life due to Citi Banks mishandling of the situation. To date I have lost {$3000.00} in wages and continue to lose business that will result in larger potential losses over time. If legal action is required to resolve this matter I will be seeking compensation for all loses caused by this negligence. As well as the trauma it has caused my family. I have made numerous attempts and have been told all I can do is fax and wait for someone to get back to me. Be advised this is my second fax and I pray it reaches someone with compassion and understanding. All I want is this nightmare behind me so I can continue with my life. I can be reached at ( XXX ) XXX-XXXX or ( XXX ) XXX-XXXX or emailed at XXXX Thank you
Complaint sub-issue: Problem with customer service

I was under contract on condition of XXXX  and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under XXXX of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a savings and checking account at Citibank at the XXXX branch in XXXX, CA on XX/XX/2021. The accounts were opened with a promotional bonus offer that consisted of two bonuses for {$300.00} and {$1500.00}. I deposited a total of {$300000.00} and met all the coupon requirements. I was supposed to have been credited the {$1800.00} as of XX/XX/2021, but did not get anything. I was told their system didnt capture the coupon code and that it could take weeks before there complaint department reviews and approves anything. The XXXX XXXX did not appear to care about anything when I spoke to him today. I asked him to expedite this but he could not guarantee anything. He said I can not close the accounts or else I will not get anything. This is misleading and false advertisement. This is also potential sales abuse because it appears they are targeting customers to open accounts and not abiding by anything. I would like tone {$1800.00} as soon as possible. I had been considering banking with them long term, but this seems shady and unethical.
Complaint sub-issue: Was not notified of investigation status or results

I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately
Complaint sub-issue: Credit inquiries on your report that you don't recognize

FBC has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.
Complaint sub-issue: Information is not mine

I disputed with Equifax and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with XXXX but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX? ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Complaint sub-issue: Information belongs to someone else

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.
Complaint sub-issue: Debt is not yours

Oh boy, am I upset!!!! 

ERC ( I believe thats the company ) has been reporting a collections account on my credit report for a couple YEARS now! I have disputed it twice and each time its come back verified. Impossible, due to the fact I dont have an account with XXXX - and never did. XXXX since 2007! Last week I FINALLY received some form of communication from this collection company. They sent me a sprint bill for an address Ive NEVER lived at! I immediately contacted sprint, seeing as how theyre the original creditor. The customer service rep, XXXX, actually told me he had no record of me holding an account with sprint, let alone owing them! I told them ERC is reporting a DEBT COLLECTION for XXXX. XXXX CUSTOMER SERVICE REP THEN SAID ERC DOES NOT OWN THE RIGHT TO COLLECT ANY DEBT ON THE BEHALF OF XXXX this is ILLEGAL. I called XXXX with intentions on paying a bill that I DID NOT OWE, just to rid myself of ERC! Turns out theyre reporting a fraudulent account and causing me emotional stress over a bill that isnt mine. Thank XXXX I contacted XXXX. ERC, please stop reporting this account to the credit bureaus. I have contacted the original creditor and confirmed I do not owe any monetary payment to their company. This is illegal. You guys have a track record of purchasing debt for fraudulently opened accounts then harassing customers for 7 years if youre able to.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 i sent dispute letters to the credit bureaus asking to get some inaccurate items removed from my credit report. It has now been 62 days & these items are still showing on my credit report. I have not received any letters explaining the outcome of my dispute. These inaccurate items are preventing me from applying for a mortgage to get my home. Please assist with getting these items removed from my credit reports ASAP. Thank you for your assistance.
Complaint sub-issue: Fee problem

On XXXX/XXXX/17 a charge, " Other decrease '' of {$38.00} was charged to my mother 's account, whose only income is XXXX payments. I contacted Citibank customer service, who indicated that it was a charge but for a different account, which was closed years ago. They said they could not take my complaint and asked me to write to Citibank Exception Processing in XXXX XXXX, Texas. It has been a month since I sent them a letter and so far no response from Citibank.
Complaint sub-issue: Account information incorrect

On XXXX XX/XX/2021 XXXX XXXX of XXXX XXXX submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XXXX though XXXX. Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the futrure Sterus would have to send the debtor notice of intent and Seterus has never done so. Setrus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have requested on the loan since XXXX. When the loan was sold or transferred to the new investor XXXX  and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account XXXXXXXX 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: Didn't receive enough information to verify debt

I have no knowledge of this account it says it was opened 3 months ago XX/XX/2019 for XXXX XXXX XXXX  in the amount of {$300.00} I have not had any of there services the creditor on my report is Enhanced Recovery Compan
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX 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 ( an original Consumer Contract with my Signature on it ) 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, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid this _____ day of XX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :