Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX XXXX XXXX is no longer reporting this however Equifax is still reporting this and it is severely affecting my scores.
Complaint sub-issue: Information belongs to someone else

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
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 these accounts 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 information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Debt is not yours

Debt collection company XXXX XXXX XXXX is reporting on my credit a debt of {$850.00} for an original creditor listed as NCP Finance Limited Partnership. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to XXXX XXXX XXXX directly. I sent another letter directly to XXXX XXXX XXXX on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Complaint sub-issue: Other problem

The overpaid my credit card bill and it is taking citi bank 15 to 20 days to return my money. I asked, why does it take so long, the answer was that this is their process. The real reason is that they want to hog my money to earn interest on it. 

This is unfair and unreasonable. The refund was requested on the XXXX it took them unit the XXXX to approve it after it was expedited. I wish the senate finance committee looks into such abuse of consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, XXXX and Equifax several disputes to get XXXX XXXX removed from all three credit bureaus.
Complaint sub-issue: Account information incorrect

I noticed that XXXX XXXX XXXX is on my Credit Report. i never open this account. i send letters to XXXX but without any respond from them
Complaint sub-issue: Information belongs to someone else

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

there is a credit inquiry which I did not authorize and is not my responsibility. this is the information that does not correspond to me : Date : XXXX XXXX Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Request Originator
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Informed Equifax in XX/XX/2021 of inquiries that I did know about on my credit report. I filed a dispute and they sent me a letter saying the inquiries was verified. I then disputed them again in XX/XX/2021 and didn't receive a response at all. In XXXX I called and disputed the inquiries again and then received another letter saying that they have verified and the inquiries will not be deleted. I informed them that they didn't verify nor did they validate the inquiries because I didn't make them. I asked them to remove the inquiries because they are not true. They are still on my report.
Complaint sub-issue: Account information incorrect

Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX  ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due  to Enhanced Recovery Companys ongoing erroneous reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are reporting inaccurate information on CITI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Attempted to collect wrong amount

I received a call from a XXXX or XXXX XXXX that no longer works ( Hunter Warfield ) started that I owed {$150.00} for an application fee for XXXX XXXX  XXXX ( apartment ) which i never did. 

Collector stated that i need to pay .... due to my credit status i willing to, I made this payment and requested documentation which was never provided, furthermore we have made valid attempts to contact them for documentation also was denied. 

After the payment was made i was advised that i would be sued for a debt that doens't exist. 

Per the FDCPA 15usc 1692f see below 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

15 USC 1692g We would like this account rectified so called immeadiately we were advised this so called acconut we have paid 150.00 to an account that dose n't exist but was applied to an out of stat account.

Prior to filing this i was in contact with agruss law firm who have several suits .... I have also tried several attempts to resolve with an manager and have been hung up on repeatedly. My last hope
Complaint sub-issue: Reporting company used your report improperly

Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Sent debt validation to company in regards to alleged debt owed on XXXX, no response or proof of contract/proof of debt owed returned. Credit report showing balance of {$1500.00} that is not owed
Complaint sub-issue: Their investigation did not fix an error on your report

My name is 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 have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Complaint sub-issue: Reporting company used your report improperly

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Complaint sub-issue: Information belongs to someone else

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   XXXX : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Complaint sub-issue: Problem with rewards from credit card

I have a Citi DoubleCash credit card for which I requested a cash back check in the amount of {$620.00} in XX/XX/XXXX. When I didnt receive the check by mid XX/XX/XXXX, I called the Citi customer support line. After several calls over a two-month period, I was eventually told the check had been cashed and that a copy of it would be sent to me. Since I never received and/or cashed the check, a crime was committed. 

I eventually received a copy of the check from Citi and I reiterated to Citi that it wasn't my signature on the endorsement line. In XX/XX/XXXX, Citi asked me to provide additional information ( by filling out a fraud form ) and affirm that it wasn't my signature on the endorsement line. I did as requested. But in the ensuing months as I've attempted to resolve this issue, Citi has only responded to me with additional copies of the check and letters saying that the check was cashed. An example of the responses I've received since XXXX is provided by the XX/XX/XXXX letter that I've included with this complaint. 

No one at Citi has been willing to provide me with information to report this crime. I would like to file a police report with my local police department. Ive asked Citi, both over the telephone and in a letter, how I can get additional information about this transaction such as where the check was cashed, was it deposited into an account and whether any identification information was recorded when the person cashed the check. 

As I stated, in response to my written and telephonic inquiries, Citi simply responds with another copy of the check and another letter stating that the check has been cashed. The company seems unwilling to make me whole ( by remitting the amount of the check ) or to even provide me with any information about this crime.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX 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 reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.
Complaint sub-issue: Their investigation did not fix an error on your report

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY DISCOVER FINANCIAL SERVICES. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The XXXX didn't perform the services that he was paid for by Citi Master Card. After we put the payment on dispute, he provided us a Release Letter stater that he wouldn't contest the dispute. However the Citi instead of contacting the merchant and having confirmed that crevice was never performed returned the money to the merchant and put a charge back on our account. Nobody in the Customer Service has any qualifications to answer why they did it after I spent hours on the phone with them.
Complaint sub-issue: Public record information inaccurate

I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.
Complaint sub-issue: Personal information incorrect

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts are XXXX XXXX XXXX or older.. 
Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS XXXX YEARS *Section XXXX of XXXX XXXX Code THIS SECTION OF THE LAW INTRODUCED IN 2019, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS. 
THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

there were 2 fraudulent charges made for {$5.00} in XXXX, i have never used this account and had requested it to be closed more than 2 years ago the account had a zero balance. After these 2 fraudulent charges were made in XXXX there is a balance of {$13.00} which citi cards have reported me 60 days past due on my credit report causing my credit score to go from XXXX to XXXX. I'm in the middle of a home purchase and because my credit score has dropped significantly due to this fraudulent {$13.00} charge my loan rate is being increased significantly. When I became aware of the issue i notified citi cards who issues the bust buy credit card and they provided a reference number of XXXX and told me I would receive a letter and the report would be updated. I called again today and the report was still not updated and they are saying it will take 7-10 days now to update the credit report. They provided a new case number if XXXX. Never has Citibank even tried to reach me about the 2 charges for {$5.00} from XXXX on my statement it shows they were reversed the same day they were made and the card was closed due to fraud, I never received a call a letter nothing, this account has not been used in years so that should have been a reflag plus the charges were out of XXXX. I also want to know why when I requested the card to be closed when I paid it off several years ago it remained open. Ive now spent several hours of my time trying to correct this issue and have no confidence that Citi will do what they have now told me they would do for the past several days.
Complaint sub-issue: Information belongs to someone else

i have delinquent accounts that do not belong to me. i attached all accounts associated and does not belong to me. 2 collections and 6 late accounts I. don't understand, please help