Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under XXXX ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the Consumer Financial Bureau and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately.

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : 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 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 XXXXXXXX
Complaint sub-issue: Account status incorrect

Account shows XXXX on XX/XX/2013 But shows a last payment XX/XX/2013
Complaint sub-issue: Account information incorrect

Re : XXXX XXXX XXXXXXXX apparent amount of XXXX re : account # XXXX ( from equifax credit report as obtained on XX/XX/2018 Credit reporting Agencies : XXXX  and equifax Date Credit reports Ran XX/XX/2018 ( XXXX  ) and XX/XX/18 Called XXXX  XXXX XXXX, no information given other than the account not belonging to me. 
The {$15000.00} from XXXX XXXX XXXX does not belong to me ( new and just starting to build credit ). XXXX XXXX thru inaccurate reporting to XXXX  and equifax caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Complaint sub-issue: Account status incorrect

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX  report. The second time it was removed from my XXXX report. It is now being reported on my XXXX   report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Complaint sub-issue: Received bad information about your loan

I have graduate loans serviced through XXXX that I took during the XXXX school year. I began repaying them shortly after graduation and deferred payments for one year after going through a divorce. At the time I set up my repayment plan, I made it very clear that I was employed as a XXXX XXXX XXXX and planned on applying for PSLF. " Standard '' repayment was listed as a qualifying option. They enrolled me in that plan and I paid ( and continue to pay ) {$400.00} per month toward that plan. I got nervous at one point after hearing horror stories from colleagues that they had been paying into the wrong plan - so I called to confirm my eligibility. 

In XXXX of XXXX, I called to confirm that since I was in a " standard '' repayment plan that I was eligible. I confirmed my employer, and my payment type and was assured that was making eligible payments. 

It was not until XXXX of XXXX, after having my employer certified that I was notified that I was, in fact, NOT enrolled in an eligible plan. AND that in order to be, I'd need to pay a minimum of an additional $ 200+ per month and start over. That is not financially possible for my family, nor is it acceptable that if I DID enroll in this plan, I would pay off my loan myself and have nothing left to forgive. This has a tremendous impact on my family. I'm employed as a XXXX XXXX XXXX, so I'm not sure how they are calculating the Pay As You Earn, but they clearly do not have any idea what XXXX XXXX XXXX make. 

Additionally, I sent numerous messages back and forth with customer service reps through their inbox feature, and now those messages are no longer on my account ( that function longer exists ). 

I'm obviously livid and worried that I will be responsible to what equates to roughly {$25000.00} that I planned to have forgiven.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Complaint sub-issue: Account terms

I went to Carmax XXXX XXXX XXXX, XXXX, IN XXXX on XXXX XXXX, 2014 to possibly trade in and purchase a car, I did not buy that day. I went back with a friend on XXXX XXXX, 2014 and decided to purchase. XXXX XXXX, 2014 I wet back and exchanged the car, already financed through XXXXSince then I have checked my credit and it was highly damaged from this purchase, Carmax went to XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX pulled my credit XXXX times on XXXX XXXX, 2014, XXXX times on XXXX XXXX, 2014 and XXXX more time on XXXX XXXX, 2014 when I exchanged the car. XXXX agreed to finance me right away and they only pulled my credit XXXX time. 
Not only is this unethical and seriously damaging my credit, XXXX XXXX refuses to remove all these " hard '' inquiries. These are all listed separately not as XXXX, because of this it is counting as XXXX hard inquiries, destroying my credit.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Complaint sub-issue: Account status incorrect

We have had this dispute with Citi for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with Citi saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to Citi in XXXX. Now you would think this story is over since Citi now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX  and there was nothing on there that had Citi on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted XXXX  they told me I have a {$6200.00} balance with Citi. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call Citi to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know XXXX thing, they will not be getting any payments from me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my credit card was charged fraudulently and I submitted a dispute. My husband 's card was cancelled, the charge was never reversed and then interest was applied. 

Today I was told I had to pay it before it can be resolved and I said absolutely NOT. I then called back and resubmitted the dispute online - XX/XX/XXXX and told it would be resolved. 

Citibank is not a GOOD BANK!!
Complaint sub-issue: Information belongs to someone else

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 3. Date : XX/XX/2018 Dear Innovis FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Innovis. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The  bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2.  XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX XXXX CC ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4.  XXXX XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

Hi, I am writing to you about my account. This credit card company is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my Equifax report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on XXXX   report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$84.00} XXXX XXXX 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 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
Complaint sub-issue: Debt resulted from identity theft

I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.
Complaint sub-issue: Personal information incorrect

I have contacted and disputed incorrect personal information in my consumer disclosure file with SageStream. I have called them repeatedly but they don't answer the phone and do NOT return calls. 
Dispute letters sent on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ) and again on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ). 
Most recent letter was received on XX/XX/XXXX giving them, by law, 30days to XX/XX/XXXX. 

To date, I have not received a resolution or response to this dispute letter. At this point, by law, they are past time to show verification or proof information on record. These disputed incorrect items need to be deleted.
Complaint sub-issue: Banking errors

We opened a new account with PNC Bank on XXXX XXXX XXXX in XXXX, AL. They did not confirm our addresses under this new joint checking. They sent to co-applicant 's mail to MY address. A woman resides there and is not to know the name of my cosigner on joint checking, and now she has his full name, breaking regulation.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.
Complaint sub-issue: Old information reappears or never goes away

Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi case ID : XXXX I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1200.00}. When I received the package feels empty so I took a precaution video when open it. As expected, there only an empty old XXXX box inside the package. I opened the dispute with XXXX for return and refund. Within a few days, they closed my XXXX account and closed the dispute in their favor and denied my refund. 

I turned to Citi cards for dispute and provide them with all the documents, receipt, tracking number for return the package to the merchant and video links to show proof of item received is not as advertised. 

On XX/XX/XXXX, Citi cards completed their investigation and denied my dispute. They also threatened me to pay the disputed amount in full to avoid any past due to my credit report. 

Here is the link to the proof video that I took when open the package from ebay showing there only empty old box inside the package : XXXX XXXX XXXX