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

I have a credit card on my credit report that I know nothing about. It is a CITICARD CBNA credit card with a balance of {$3300.00}. 

Ive contacted Citibank about it and they can not pull up any information about a credit card with them with my social security number. 

However they said that I was added as an authorized user, but they wont tell me by who. 

I have nothing to do with this credit card and would like it removed from my credit report.
Complaint sub-issue: Trouble with how payments are handled

The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent in a dispute and equifax has failed to process my dispute claiming it was not clear on what I was asking when I was indeed very direct. I will resubmit another dispute and attach it to this complaint but they have been a huge liability and detriment to my life and causing severe XXXX upon me due to their harsh unfair and inaccurate consumer reporting which is causing me to lose out on my home as my current lease is ending and I have nowhere to go.
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator about who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report, I am not happy to see the below items that are still showing in there reported as negative.
Complaint sub-issue: Was not notified of investigation status or results

To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.
Complaint sub-issue: Information belongs to someone else

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. I have also reached out to XXXX and requested Original documentation signed by me, the consumer, and to date, they have failed to do such. Please see attached.
Complaint sub-issue: Account information incorrect

XXXX XXXX, Equifax, and XXXX is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.
Complaint sub-issue: Account status incorrect

To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account XXXX : XXXX According to the FCRA
Complaint sub-issue: Problem during payment process

Discover Card has been charging me outrageous interest rates for the last 3 years. I always make my payment and my bill never goes down, ever.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXXXXXX -XXXX XXXX  XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Public record information inaccurate

To whom it may concern, I XXXX XXXX is stating on 2019 I hired XXXX XXXX  and XXXX XXXX The lawyers name was XXXX XXXX XXXX my actions was to get my finance together with payment 's paid to the creditors every month but the payment arrangements was not livable and none the paper work was filed to the creditors paid the company XXXX $ fired them for non-compliance asked for a refund never got it. WE never went thru the whole process of the bankruptcy I never went to court to finalize .I got a dismissal letter in the mail.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX and this is not an unauthorized third party! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave credit reporting agencies any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! These credit reporting agencies are reporting unauthorized collection accounts and never produced a written consent from me the consumer! pursuant to15 UNITED STATES CODE 1681n collection agencies are civilly liable for noncompliance. I have took my time to study federal law and i'm now aware of the laws collection agencies violate the consumers on daily! I'm a federally protected consumer and i demand my right to privacy 15 UNITED STATES CODE 1681a
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instructions XXXX XXXXXXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  XXXX  10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX  and sent the card in and they confirmed with a certified letter that it was not an authentic XXXX  10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation. 

I have never missed a payment before and my credit score was over 800 before this. I want this removed from my credit report while I continue to dispute this.
Complaint sub-issue: Didn't receive notice of right to dispute

I call to make arrangements to pay my car note. The representative set up my payment arrangement. I was never made aware, that this arrangement would result in a negative credit rating. I monitor all 3 of my credit reports, and my score was reduced XXXX points. 
I called to discuss the matter and was informed I had paid 30 days late. I was also told by the representative, there was no need to dispute this, because it will lower my score even more.
Complaint sub-issue: Old information reappears or never goes away

I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet XXXX  and equifax has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.
Complaint sub-issue: Account status incorrect

XXXX XXXX card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} Comenity XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$440.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( XXXX, Equifax, XXXX ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Complaint sub-issue: Information belongs to someone else

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a major security breach and my information was stolen. I did not consent for this to happen, and am now going to have to spend my limited time and money mitigating this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I was threatened by XXXX XXXX and Account Adjustment BUR that I would be thrown in jail for not paying this debt that does not belong to me it is owed by XXXX XXXX who used my personal information fraudulently
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Complaint sub-issue: Company closed your account

One year ago, fall XXXX, I received a letter saying that my checking account with PNC would be closed if no further action was taken. I called PNC, the customer service agent informed me that she had no idea why I received the letter, and to ignore it, the account would not be closed. 

XX/XX/XXXX I received the same letter. Given the previous my previous experience, I ignored it. XX/XX/XXXX, my checking account was closed without any additional communication. I found out my account was closed due to a failed transaction. 

I called the company and asked for more information, she said that " the company reserves the right to terminate their relationship with a customer at any time. '' They could not even provide us with a tracking number so that we know when we will receive the check in the mail for over {$13000.00} USD. I've been a 15 year customer, with no account issues or problems in the past.
Complaint sub-issue: Investigation took more than 30 days

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

You have 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} or XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Deposits and withdrawals

Citibank taken fund from my acct. i deposited 3 checks at the same time through mobile banking after a month from the time i deposit those check i ripped all checks. i found out they took all the money that i deposited. they said those check was presented again in 2 different banks and i dont have account on those bank. i insist that i ripped all those checks. i asked for help and went to the bank to get some help try but they cant answer me why they took my money without further investigation. i gave them a copies of those check but they said there is no trace of fraud. it is fraud because they took the money from me. they cant even help me. im so stress and confuse where to get help with this situation since they blocked my account and my tax money will go to that account. im not rich i live my life paycheck to paycheck but citibank is not helping me to resolve this. im so disappointed and lost ... hope somebody can help me to resolve this since citibank is not doing a there job.
Complaint sub-issue: Old information reappears or never goes away

This account was paid off early because it wa totaled and my insurance mailed the check to the company. This was in 2012
Complaint sub-issue: Information belongs to someone else

Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.