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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Appearing ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Addresses ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX XXXX' After Contacting Creditor Directly ( XXXX XXXX XXXX XXXX, TN XXXX ) And ( XXXX XXXX XXXX XXXX XXXX, AZ XXXX ). I Uploaded A Picture Of My Government Issued ID That's Attached For Current Correct Address Including IDTheftReport From XX/XX/20 And Updated Corrected Consumer Statement : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX. 

XXXX XXXX : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. XXXX  - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX acct XXXX 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

I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Complaint sub-issue: Information belongs to someone else

This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.
Complaint sub-issue: Information belongs to someone else

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX'>< XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, 'XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.
Complaint sub-issue: Application denied

I'm only XXXX years old and I've never applied for a credit card. I figured that it's time to start building my credit so I applied to the Discover it secured credit card on XX/XX/XXXX. When I got the I got the letter in the mail a week later, it stated that I wasn't approved with a credit score of XXXX. I've never had, nor used credit card before, so I was worried. I didn't know who to talk to as far as this issue until my mom and dad told me, which is why I'm filling out this complaint a month later.
Complaint sub-issue: Attempted to collect wrong amount

I have not spoken to this company in over 6 months. They took {$100.00} from my credit card account today on XX/XX/XXXX I did not authorize this or speak with them about it. 
This is not the first time they have taken money without authorization. I had a lot of problems with them last year. I was paying them {$100.00} on the first of every month for 7 months ( XXXX ) After that was up they called me to renew my payment plan. I agreed to {$100.00} a month in the first of every month. They proceeded to take {$100.00} not on the XXXX. They took the payment out on the XXXX, 2 weeks early. They even took 2 payments out one month. I called them about this and they told me they were taking nexts months debt that day as well. Which was not authorized. Then she tried to tell me I havent paid in 4 months. I had reoccurring automatic payments every month. They had taken {$500.00} out of my account in those 4 months and told me I didnt pay them anything. I proceeded to continue to do business with them, until they get again started to take payments without my authorization on dates that were not discussed previously. This resulted in their not being enough money in the account they that were trying to take from because they were trying to take payment 2 weeks early. I stopped doing business with them because of this. I havent spoken to them since XXXX of XXXX. It is now XXXX of XXXX and they took {$100.00} today unauthorized. On XX/XX/XXXX. I told them multiple times last year that I just wanted to pay my debt {$100.00} every month continuously. One of the guys even threatened to charged my account for the whole debt if the payment ever bounced. As in, if I didnt have enough money in my account he said they would then take the entire amount that I owe from me. I made sure money was there to be taken out {$100.00} on the first. I told them if they would stop messing with my account that they would get the payment properly. I only had enough to give them the {$100.00} on the first in that account. There are more dates than I just listed.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ENHANCED RECOVERY COMPANY plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$660.00}
Complaint sub-issue: Information belongs to someone else

I Recently I looked at a copy of my credit report and noticed so many inaccurate information being reported. I feel these inaccurate information WITH REGARDS TO MY NAME ON MY CONSUMER CREDIT PROFILE AND THIS IS adversely affecting my credit report and costing me thousands of dollars in interest every year. I requested an investigation into the inaccurate information on my credit report by writing a letter to XXXX. it has been over 60 days since i requested for an investigation and a deletion of this inaccurate information but equifax has refused to respond to me and continue to violate my rights under the FRCA guidelines. 

THIS ADDRESS IS INACCURATE. IT IS NOT MY PRESENT ADDRESS NOR IS IT MY PREVIOUS ADDRESS. DELETE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTACHED IS MY MOTOR INSURANCE CARD WITH MY PRESENT ADDRESS ON IT. 
NOTE : PRESENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX CT XXXX
Complaint sub-issue: Reporting company used your report improperly

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

XXXX5 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: Their investigation did not fix an error on your report

In response to the three accounts XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and Fingerhut/Webbank # XXXX, that were deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of these item 's reappearance on my credit report. Such violations have caused my FICO score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in FICO scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence in regards to their FCRA responsibilities. These three accounts reappeared on my Equifax report on the following dates, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert these accounts from the original creditors. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying the three accounts were reinserted, with no true proof that an investigation was conducted nor new documentation found justifying their reinsertion. Neither did I ever authorize these reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and the three listed accounts after XX/XX/2021, when the items were initially deleted and between when the items reappeared. Equifax has sent me notices via mail saying the items were verified. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of these accounts. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if these three items are not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Complaint sub-issue: Other problem getting your report or credit score

Looking at my Equifax score is inaccurate. My score went up and one account has been paid in full and also that account has been removed from my credit report. Equifax has now dropped my score by 23 points for what? That's not right. I ask that they put the 23 points back on my score.
Complaint sub-issue: Debt was result of identity theft

we have received phone calls and text from a collection agency called MRS. they say we owe XXXX   money for equipment and services..we have never had any financial dealings with XXXX. we have never lived in the state of wisconson which is where they say we had sealings with XXXX.
Complaint sub-issue: Company closed your account

On XX/XX/, I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, Ive been a Citibank credit card holder for XXXX years, have a credit limit of {$12000.00}, and a XXXX score over 800. My financial record is spotless. 

On XX/XX/XXXX, I funded my new savings account with a {$21000.00} ACH transfer from my XXXX Savings account. On XX/XX/XXXX, I made a transfer of {$10000.00} from my XXXX XXXX XXXX account and an additional {$5000.00} ACH transfer from my XXXX Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details. 

A few hours after my XXXX XXXX transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked. 

On XXXX XXXX I called the fraud department at XXXX and spoke to XXXX. He couldnt see an issue, but saw that Citi was in the process of closing my newly opened savings account. He told me he was escalating the issue for review. 

On XXXX XXXX I was informed that, based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed. 

For the next 60 days they will hold on to my {$36000.00}, will not give the XXXX % advertised interest rate and will only mail me a check for the principal amount in XXXX months. 

My complaint : I followed Citis process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my {$36000.00}. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my {$36000.00} hostage, Im losing XXXX months of the promised XXXX  % interest - approximately {$230.00}. 

Citi is actively advertising and encouraging people to open and fund a new savings account. After funding, Citi closes some accounts and for the next XXXX months, uses peoples money without paying interest. The internet is full complaints that match mine XXXX XXXX XXXX XXXX If there is violation going on, its from Citi, not me. I hope you can assist in getting my money back in a timely fashion. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. 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 a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

following accounts are incorrect, and the affecting me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

ERC is a debt collector trying to collect from sprint. Never received any validation from either debt collectors but they are reporting on my credit report negatively.
Complaint sub-issue: Contacted your employer

Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.
Complaint sub-issue: Information belongs to someone else

FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and 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 dispute a fraudulent account in the amount of {$200.00}, XXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and 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 dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and 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 ).
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I requested a copy of my credit reports from Equifax, XXXX, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX  Bankruptcy Reference number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX  Account number XXXX have 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 agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

1.Account Name : XXXX  XXXX Account Number : XXXX Amount XXXX 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: Debt was result of identity theft

account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Complaint sub-issue: Didn't receive advertised or promotional terms

Placed order with retailer on XX/XX/2020 in the amount of XXXX, per the credit offers posted on the retailer XXXX, purchases on a personal XXXX credit account of at least XXXX qualify for 12 month financing promotion, meaning no interest if paid in full within 12 months of the purchase date.
Complaint sub-issue: Card opened as result of identity theft or fraud

Went through the XXXX to begin the process of applying for a Discover XXXX credit card. During the application process, before I could submit the application the app proceeded to the next page. It also asked me to acknowledge the terms and conditions which I didnt. I called Discover To report the situation and to see if they could remove the hard inquiry. I was transferred to multiple representatives and by the time I reached the last representative I was told they could not remove the inquiry and that the application went through after I acknowledge the terms and conditions. I explain to them how I never selected anything and that there mustve been a technical error. The third representative admitted that it was likely a technical error and they were going to report it to their IT department. They told me they can not remove the inquiry and that they would have to open the account and close it within 48 hours although I rejected the application. They told me to contact the credit bureau XXXX which I did. However XXXX told me that you can not dispute a hard inquiry with them that the creditor must contact them to request to be removed. I explained I was handicap and this is difficult for me. Discover is refusing to remove the inquiry and they are also refusing to not have the account appear on my credit report although they met that it could be a technical error.
Complaint sub-issue: Reporting company used your report improperly

I am a potential victim of the Equifax 2017 Cyber Security incident according to https : //www.equifaxsecurity2017.comXXXX. Furthermore, attempting to create an initial Fraud Alert on Equifax 's website ( https : //www.alerts.equifax.comXXXX ) results in an error.