Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX was removed and then added back. This is against the law. Please remove and leave it off. Thank You ... .XXXX XXXX XXXX XXXX and everytime I come back I have to fight this. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 XX/XX/XXXX though XX/XX/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 future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus 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 XX/XX/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 XX/XX/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: Information belongs to someone else

I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX
Complaint sub-issue: Information is not mine

I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is a follow up to complaint XXXX filed XX/XX/2017. 
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by XXXX and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.
Complaint sub-issue: Overdrafts and overdraft fees

I bank with PNC on XX/XX/2018 I was charged two XXXX overdraft fees on XX/XX/2018 I was charged another XXXX on XX/XX/2018 I was charged another XXXX along with another XXXX and on XX/XX/XXXX I was charged again XXXX. I tried calling to get the fees waived because I have a automatic saving account that takes money out of my account and puts it in a outside saving account. Multiple times I put the money back in the account but it takes 3 business to get the money back in the account. The money that was being taking out was XXXX dollars now I have a negative balance of XXXX because of a total of XXXX dollar insufficient funds. I believe that is totally uncalled for how does XXXX dollars get you a negative balance of XXXX.
Complaint sub-issue: Banking errors

I XXXX of XXXX Citi offered a promotion to open a checking account and deposit {$15000.00}. As a reward, they would give me {$400.00}. 

I did this on XX/XX/XXXX. 

Days prior to XX/XX/XXXX, I had satisfied all the conditions of the promotion. On XX/XX/XXXX, I called to discuss the issue. I was told they will deposit the {$400.00} on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XX/XX/XXXX This did not happen. 

I called today, XX/XX/XXXX. I was told the deposit would happen on XX/XX/XXXX. I have no confidence that they will honor their part of the promotion. Please help with getting the {$400.00} that Citi promised me.
Complaint sub-issue: Reporting company used your report improperly

Equifax, a credit reporting bureau responsible for tracking and maintaining the credit score that allows me to function properly as an American citizen, failed to take adequate security precautions or implement adequate security measures to protect my Personally Identifiable Information ( PII ).
Specifically, due to their own negligence and substantial information security failures, Equifax caused my most sensitive PII ( SSN, Name, Birth Date, Addresses, Driver 's License Number, etc. ) to fall into the hands of an unknown and demonstrably malicious agency.
This is evidenced by Equifax 's own website ( http : //www.equifaxsecurity2017.com/ ), which contains their response and actions taken. I find those actions to be wholly inadequate, given that my PII will be critical for the rest of my life, and is now and forever more will be readily available to external malicious actors.
Complaint sub-issue: Information belongs to someone else

These accounts arent mine. Please remove them.
Complaint sub-issue: Can't close your account

On Saturday XXXX, XX/XX/2021, I deposited A cheque in my business account at the ATM for the amount of {$3900.00}, The Balance in My account was {$7100.00}. 
On Monday XXXX, I checked my account on line, the balance was {$0.00}, I called citi bank to see what is happening. 
they advised me to call the fraudulent Department, because my account is blocked, I called the fraudulent Department, I give them my account number, she said no account with that number. 
I give her my debit card number, she said no card with that number. i said i will go to the branch. 
on XX/XX/XXXX, i went to the branch, and i asked to close the two accounts i have with them.

They closed one, and they have to call the fraudulent Department to unblock the other account. 
XXXX XXXX called them and told me, my account blocked because i deposited a fraudulent cheque. and i have to wait for the fraudulent department to close my account and send me a letter explaining what happened. i give them the proof that the cheque is paid from XXXX  XXXX XXXX to citi bank, they did't care.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXXBalance : {$6300.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Date of inquiry:XXXX ; XXXX Date of inquiry:XXXX XXXX XXXX XXXX Date of XXXX ; XXXX  Date of inquiryXXXX ; XXXX XXXX Date of XXXXXXXX ; XXXX XXXX Date of inquiryXXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX  XXXX Date of XXXXXXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/2020 ; XXXX Date of XXXX ; XXXXXXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX Balance : {$15000.00} ; XXXX  Date of XXXX ; XXXX  Date of XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem getting report or credit score

I cant never get a credit score because they say that 's not me
Complaint sub-issue: Other problem

An authorized user was added to my Discover credit card. They won't tell me the name or date that it happened. So far I have found over {$10000.00} of fraudulent charges because of this.

I have provided proof that my computer and online account was hacked, that they sent cards to addresses that I've never lived at, have filed a FTC identity theft report, and filed for corrections to my credit report. Discover said they conducted investigations, but when I would call to ask for updates, the client services department would have no record of investigations. Eventually, some of the charges were looked into. They claimed no proof of fraud ( despite everything I provided and no evidence that it was a legitimate claim ) and then re-charged my card for the amounts disputed, even though they never provided a debit while investigating. I've had 4 card numbers opened, immediately fraudulently charged, and then closed over the last year and a half. Each time a mysterious " TRANSFER BALANCE '' charges show up, even though no one at Discover can tell me what they are for.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have Inquires on my credit report that i did not authorize and XXXX and equifax refuse to respond or adhere to the laws mandated
Complaint sub-issue: Deposits and withdrawals

I opened a Citi checking account XX/XX/2022 and deposited {$13000.00} on XX/XX/XXXX through XX/XX/2022. On XX/XX/2022 Citi blocked access to my account and they are not letting me withdraw any money, nor make any more deposits. Citi told me my account would be closed in XXXX days and funds would then be mailed to me, but this is unacceptable. In the account agreement documents that were given to me when I opened the account, under Funds Availability, the longest hold time mentioned for deposits is XXXX business days, and it has now been XXXX business days. 

Additionally, the account was opened under a bonus offer that said I would receive {$400.00} after deposting {$15000.00} ( or {$200.00} if depositing {$5000.00} to {$14000.00} ) within XXXX days and maintaining the balance for 60 days after that. Citi 's actions have made it impossible to meet those requirements.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On approximately XX/XX/XXXX I took my vehicle a XXXX XXXX XXXX to XXXX XXXX in XXXX, IL to get an estimate of what it would cost to service my automatic transmission that was leaking transmission fluid and also to stop an oil leak that needed a rear main seal. I was given a quote of $ XXXX complete the repairs and put in the seal. It was agreed with service technician that once the transmission was moved out of the way they would install the rear main engine seal at no charge to stop the oil leak. 
On approximately XX/XX/XXXX I returned to retrieve my vehicle after being contacted to pick up the vehicle it was ready and work had been completed. When I asked to test drive my van I was told that the technician had already driven it and it was fixed. I paid the clerk/receptionist {$1000.00} cash and $ XXXX charged to my XXXX XXXX amount due after my senior discount. The following day I found oil and transmission fluid leaking on my driveway pavement from said vehicle. I contacted XXXX XXXX I was told to watch it for several days. The leak continued! On XX/XX/XXXX I took my vehicle to XXXX XXXX XXXX dealership. They found that the engine rear main seal needed replacing which XXXX XXXX agreed to do in writing. I had to pay XXXX XXXX approximately $ XXXX have this work done.
Complaint sub-issue: Reporting company used your report improperly

I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I thought I was talking to my student loan servicer itself but I was actually speaking with a third party consultant that I am not actually in need of they wanted to charge an upfront fee of {$290.00} and I am not needing their assistance since this information is free of charge. The company claims to be able to help me get lower payments in the future and that they have access to help me. I have called them to revoke my payment but there has been no one to answer or return my calls. the company is called Titan Prep Inc.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been trying to get support from Citi bank for 7 months now on a charge for services not rendered I scheduled a move and paid {$750.00} deposit to insure a quote for the move in XX/XX/2015  # days before the move I got a call saying the price changed to quote of {$1900.00} to {$3600.00}.. The owner said he would move my things for the original price but would not move all of my things. He reduced the items about 1/2. 

Of coarse I canceled the move as I needed all of my things moved. 

I can not get a refund from the company and my credit card company take the charge on and off periodically for the past 7 months without paying attention to my situation, I have spoke to customer service serval times over the last 7 months and have got nowhere.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX   first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!