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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account.
Complaint sub-issue: Threatened to sue you for very old debt

They enter a jugement against me and asking a marshal to garnish my pay.   Even thought the initial debt was {$3800.00} they put an interest of $  XXXX  which i s exorbitant and not fair.this is the only communication i receive from them.i also think the statue of the debt might be expire if its from   XXXX  .   I did ask them to send me the initial debt so i can see myself after i spoke with one of their people.   I would like to get help wiyb this matter.   I already check my credit report and can find anything from fleet bank.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Deposits and withdrawals

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX  ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. 

Today, I found out that XXXX XXXX  XXXX XXXX  did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} ACH to Discover was executed and then reversed. 

Moreover, a review of XXXX XXXX XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. 

This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.
Complaint sub-issue: Account status

This account was closed on XXXX/XXXX/2015 with a zero balance and still showing on my credit report with Equifax open and also show XXXX accounts for this company. XXXX closed and XXXX open.
Complaint sub-issue: Account information incorrect

XXXX  has been notified of my incorrect account balance for a XXXX account which should be showing XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX 's " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX  ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor EQUIFAX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and EQUIFAX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Complaint sub-issue: Other problem getting your report or credit score

UNABLE TO REGAIN ACCESS TO MYEQUIFAX.COM UNLESS I SEND A COPY OF MY SOCIAL SECURITY CARD TO EQUIFAX. 
I have been unable to logon to myequifax.com due to the company awaiting specific documentation to identify myself. To fix this, i faxed my drivers license along with my social security number, birthdate, name and address with a request to correct my access the site, myequifax.com. they had me successfully change my password but still could still not get in online. The next day i was advised that even though i've been identified ( i finally was able to get thru to someone on the phone and they were able to identify me, unfreeze my account and request a copy of my credit report be sent to me ) they could not fix my online access unless i again submitted all my previous sent information BUT in addition I HAD TO ADD/SEND A COPY OF MY SOCIAL SECURITY CARD. I was told that if if didn't send in a copy of my social security card then i would not be able to get access to myequifax.com. I asked if any other document would suffice in addition to my driver 's license and was told, no, i had to specifically send in a copy of my social security card. 
I feel it is unreasonalbe ( not to mention a personal security exposure XXXX to be forced to send them a copy of my social security card to gain online access to Equifax. Especially, since thisis the primary means the public has to maintain and view their Equifax information. 
I am hoping your department can do something to have Equifax improve its methods of confirming idenitication ; they ask plenty of questions ( repeatedly ) and have this information on file already.

Equifax is VERY difficult to work with and nees to improve their processes. Their staff is process bound and simply follow scripts with no interest or desire to understand and fix situations beyond what the script calls for. 
Their response to this will probably be telling me their process is to require the social security card and i have to send it in along with sending the drivers license again, with no attempt to resolve what i consider an unreasonable and unfair requirement.they need to fix their process/procedures. 
I am hoping there is someone there that can help me re-gain my access to myequifax.com site. 
Thank you in advance for any assistance you can provide.
Complaint sub-issue: Problem during payment process

I had an issue related in the past, mailing in my payment to Citicards. This recent time, i mailed them a payment for my whole balance XX/XX/XXXX and when a week went by and it still wasn't applied to my account i tried to ask about via chat on their website, the representative was very unprofessional and didn't seem to want to take the time to research if my payment was indeed received. She just told me to cancel the check and send another one. I told her i didn't want to do that at such a late time. I tried to call and chat a few other times all not seeming to know how to help me or unwilling to. I finally was forced to pay again online the Friday, XX/XX/XXXX for the full payment i stopped payment of the check Monday, XX/XX/XXXX and of course after they " received '' the check. I had lodged a complaint on their fb page and entered a case where i was told i was going to get a response 2 days later. A week and half later they send me a canned letter response recounting that they received a check that was stopped payment on and if i want my payment to be received faster i need to pay for expedited shipping. I feel they had the payment and were not processing it as they are trying to push me to get paperless and autopay, they repeatedly send me emails telling me to get it and once switched my account to paperless without my permission. Their customer service is very bad and unhelpful.
Complaint sub-issue: Other problem

On  XXXX   XXXX ,    2017 I re ceived a letter fro m Citi Customer serv ice informing me of a statement credit of {$100.00} that would appear on my statement within  2 billi ng periods. I still have not received said credit. The credit, according to the letter is a result of an agreement between Citibank NA and certain of its subsidiaries and the Consumer Financial Protection Bureau, to customers who enrolled in Watch-Guard-Preferred.     On   XX/XX/XXXX  I call ed the number on the   X/XX/17  let ter (  XXXX  ). After giving them my information and being put on hold several times I was informed I would need to call another number (  XXXX  ) about this settlement. I called, again providing the same information, again being put on hold numerous times. I was told yet again by the customer service representative that they had no information on the refund that the letter was informing me of. They told me I would need to fax the letter to  XXXX .     O n  XX/XX/XXXX  I tried three time s to fax the letter to the number given to me. Each time the fax did not go through, the error codes said the line was either busy or there was no answer. I visited the FAQs page listed on t he letter ( www.Citi.com/RefundFAQ ) but th at listed the same phone number that was listed on the letter. The number I originally called.     I am  XXXX   years old, and t hink it is outrageous that I would be given the run around like this on a settlement that the CFP B told Citi they were r equired to refund. I am hoping you can help me bring resolution to this issue.
Complaint sub-issue: Didn't receive enough information to verify debt

The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.
Complaint sub-issue: Transaction was not authorized

Around mid XX/XX/2020 I called Discover to dispute a charge of {$760.00} on my checking account ( debit card ) which was made from XXXX on XX/XX/2020 due to services not rendered. The representatives refused to help me dispute the charge every time I would call saying it was against their regulations to dispute this charge. I did call back around XX/XX/2020 and asked them to dispute it due to fraud. They disputed it, but later denied it on XX/XX/2020 and reversed the provisional credit. I feel this is negligence on Discover for not allowing me to dispute a charge when I did not receive the services which is considered fraud. I would like to dispute this using  charge back code XXXX for services not rendered. I also feel it is discrimination and unfair because I used my Discover credit card to pay XXXX  and they disputed and approved my refund. However, the same bank wont do the same on my checking account I have with them which is contradictory. Please assist with this matter.
Complaint sub-issue: Account information incorrect

their customer service would not help and take care of the negative inquiries reporting on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a fraudulent item being placed upon my credit report from Citicard/Citibank that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with Citicard/Citibank. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX  by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX  involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission Citicard/Citibank has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX  and XXXX  under Section 609 FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.
Complaint sub-issue: Debt is not yours

On XX/XX/2019, I notice that on my credit report in all 3 credit bueras appears collection debts I did not recognize.Around same time I start to receive calls from collection agency very random times and day. I contact them for details and they forward me to collection agency which provide me with details about original creditor ( apartment complex ) which I did not recognize. I ask for detail to provide me. It's appear that third party did use some of my information to obtain lease agreement. I did request to remove this collection as its not belong to me. XXXX agency did remove this collection, however XXXX and XXXX did not. I did request from them more information. XXXX send me information IQ Data International provide to them. When I did compare with details I was provided from IQ Data International I notice some number and the names for a fees was different which make me completely doubts about if creditor know what it reports. I forward those 2 different copies to XXXX and XXXX by mail to request remove it from my credit report cuz now I saw it was not only not mine debts but also no consistency in this collection. I did not get any respond on mail from this bureaus, only online they updated that collection been verified. 
On docs I will attached you can see those inconsistencies on that collection. I will also provide you bank statement with my residency at that period time.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under US Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting US Bank on more than one occasion they could not assist with resolving this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, Equifax and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Complaint sub-issue: Debt is not yours

On my credit report for equifax XXXX XXXX, & XXXX its stating that I owe {$500.00} to a credit union in Wisconsin. I never opened any accounts. How can I be late if I never agreed to pay any payments. Also how can I be late if the debt isnt mine? I sent in dispute letter in XX/XX/XXXX. 2022 to delete also incorrect addresses and number on file. Havent heard anything back. I called by phone XX/XX/XXXX to remove items off my credit profile due to violating 15 U.S.C 1681 ( a ) 3-4 and 15 U.S.C 1681b ( a ). They still didnt remove items for me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX, 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: Personal information incorrect

On XXXX, XXXX I sent XXXX a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because XXXX sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of XXXX removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
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