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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Information belongs to someone else

Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.
Complaint sub-issue: Problem accessing account

XXXX XXXX to PNC Branches visited in Colorado : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) Beginning XX/XX/2021, I have been unable to access both my business and personal accounts with PNC Bank after the transition from XXXX. I can not transfer any funds between the accounts. I have visited XXXX branches a total oXXXX XXXX  times. I have spent countless hours at the branches trying to identify the linking problem I was having. Come to find out, my daughter and I identified the trouble : My XXXX XXXX XXXX daughter has XXXX user ID 's and XXXX has access to my personal money market account, a joint account I have with my husband, my personal checking account, as well as several lines of credit and XXXX additional accounts. My daughter and I have XXXX joint account - PERIOD. She should not have access to my personal accounts ( checking, line of credit or money market accounts. This seems like a breach of my personal privacy. Multiple supervisors and escalations departments in personal banking, online banking, and business banking have been unable to fix this. I only have access to my money market account and a business account when I login with my personal user ID. My last conversation was over XXXX hour and XXXX minutes. No resolution. They will not send me to someone who can fix this XXXX  WEEKS LATER! What I have been told is that " they are working on it '' and " we will contact you '' and " these need to be linked ''. The bank branches have each told me that so many clients are experiencing this. That is a red flag and I am out of patience. This is a breach of my personal privacy. Who else is able to access my accounts other than my daughter? That is terribly scary. This PNC transition has been a flawed mess. This is unacceptable and has become a detriment to my business since I can not transfer funds between the different accounts. Given it is the yearend, I am very concerned that I can not make transfers and access my money in a timely manner. I am not willing to frequent the branches. They are unable to rectify this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have read enough to understand my rights. The late history should not be showing late as reported in my 3 Credit Bureaus because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these companies to run my credit. Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

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 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated 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. 

XXXXXXXX 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: Received bad information about your loan

I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. I have called multiple times since then and no one has an update for me and I have since seen no refund or movement on my refund request.
Complaint sub-issue: Information is not mine

I have repeatedly requested proof of validity of XXXX alleged debts. Equifax has listed both of the accounts as disputed by consumer for over 30 days. XXXX has not responded to repeated attempts at communication both by myself and CFPB. XXXX XXXX XXXX XXXX XXXX have not provided validity only a blank form page provided to CPPB with first complaint submitted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account entry with Lexis Nexis on multiple occasions regarding the inaccuracies that are reflected among the 3 credit bureaus. In a previous dispute to them, I specifically disputed the filing dates ( each bureau reflects a different filing date ), reference numbers ( each bureau reflects a different reference number ), as well as court ( each bureau reflects a different court ) and amount. Lexis Nexis responded in their letter dated XX/XX/XXXX ( see attached ), that the bankruptcy records are accurate. Again this is untrue. There are inconsistencies among all 3 bureaus. After reviewing their response, I immediately sent them a letter addressing my concerns again, for which they had not responded. See attached return receipt card that reflects XXXX signed for the delivery of this letter on XX/XX/XXXX. 

To date, XX/XX/XXXX, I have not received any correspondence from Lexis Nexis whereby they would be responding to my letter they received on XX/XX/XXXX. In this letter, again, I made reference to the fact that there were indeed inaccuracies reflected on each of my bureau reports, but moreover, I was requesting a description of the procedure used to determine the accuracy and completeness of information that they were claiming was accurate. Since it has been 60 days since Lexis Nexis received my dispute and they have opted to not respond, these inaccurate entries should be deleted from my credit profiles immediately.
Complaint sub-issue: Company closed your account

I logged into my account on XX/XX/2020 to see that my accounts were closed. I immediately called Citi to see what the reason was and they told me that they had determined to close them after a maintenance review and that my spending and payment patterns were not what they want to see from someone using their cards. I requested reinstatement of the accounts and was told that this was a final decision.

I always paid my cards on time and rarely let them close with a balance and, when I did, I paid them immediately.

I received no official communication from Citi for the closures of my cards as well, violating a basic expectation of the relationship.
Complaint sub-issue: Card was charged for something you did not purchase with the card

While going thru XXXX XXXX  my son in law stole my card and charged around XXXX. To play a XXXX game from XX/XX/XXXX thru XX/XX/XXXX. I am XXXX and live on social security only. Had XXXX XXXX XXXX and big XXXX XXXX with XXXX inch incision. I would never authorize these charges. I contacted citi bank and first they took charges off but now say I am responsible to pay the charges.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XXXX the XXXX 2019 I mailed XXXX XXXX XXXX in regards to account number XXXXxxxxxxx. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$500.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report Delete account number XXXXxxxxxxx from my credit report across all three credit bureau agencies.
Complaint sub-issue: Information belongs to someone else

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. XXXX and Equifax still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

XXXX account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all.

I have been denied employment, credit, and housing due to this issue and have only been able to live in a XXXX with no stable residence. I was subsequently XXXX once COVID-19 started due to the XXXX having fear.

I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.
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. 

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.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, XX/XX/2018on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.
Complaint sub-issue: Problem during payment process

I always pay the balance due when the statement arrives. On XX/XX/2022 I made a payment using bill-pay to my Costco Citi XXXX XXXX I made a horrible mistake pushing the left most digit over one place. My payment was over by thousands of dollars. I immediately called the company and explained the error. They insisted on sending a check rather than an electronic transfer, which is how they took my money. As of this date XX/XX/2022 I have not received my overpayment. Numerous calls and a letter, that went unanswered, have not helped. I've had to borrow money from my retirement account and family to make ends meet while all this has gone on. The reaction of Citi shows they could care less about what this has caused me. I'm talking about an amount over {$5000.00}!!
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX issued a credit for {$2400.00}. Credit never posted to my account and on XXXX XXXX I contacted XXXX XXXX XXXX  requesting help to locate the credit. They referred me back to the merchant. On XXXX the merchant sent me a receipt with an authorization code and the transaction date and time. I sent these to XXXX XXXX vis their secure website and they responded they would look into it. I never heard back from them and XXXX XXXX sold their credit card to US Bank. XXXX from US bank contacted me on XXXX requesting I fax her the documentation that I had. It was faxed on XXXX and confirmed it went OKXXXX XXXX contacted me on XXXX stating she had not received the fax and would like it to close the file as the original transaction was too old to dispute and could not help me about the missing credit. I told her I wasn't disputing the transaction as it was legit and the merchant submitted a credit for the trip cancellation. I would like to know how I can get someone to determine where the credit for {$2400.00}. was posted. I would think that the bank would have someway of going to XXXX XXXX to determine what happened to the transaction as the receipt from the merchant showed it to submitted electronically with an authorization code. It is very frustrating that the electronic banking and XXXX XXXX XXXX can not trace a transaction through their system and apparently could care less as they do not have to handle it like a disputed transaction. Documentation attached
Complaint sub-issue: Account status

Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Complaint sub-issue: Deposits and withdrawals

I opened the free checking acct online on XX/XX/XXXX for the XXXX bonus for a direct deposit and meet all requirements.On XX/XX/XXXX I had a direct deposit of XXXX deposited and it was credited around XX/XX/XXXX. No problem yet. 
I was sick with a case of XXXX and could and would not go to a bank. I had bought 2 money orders for XXXX at an XXXX XXXX  store and another money order for XXXX from the US Postal Service before I was ill. I had paid a fee for these also and have receipts also showing I paid in cash. 
I used the Key Bank mobile deposit system on my phone to deposit these 3 money orders via mobile since I was not going to the bank. I received acknowledgement of the 3 deposits totaling {$1400.00} I checked my account a few days later online and found out it was locked! I called the XXXX # the site said to call. After being bounced around for almost 45 minutes, I was told they are investigating " fraud ''. This is outrageous. I duly and legally purchased these money orders and mobilly deposited these items. I called the local branch in XXXX NY and spoke to the manager XXXX. She was quite professional and told me that they are investigating fraud. She told me it would take at least 10 days!!. I also received a letter from Key on XX/XX/XXXX telling me the deposit of XXXX is on hold till XXXX Today is XXXX.Today I received a mailed statement with my XXXX deposit listed along with my total balance of {$1900.00}. I want access to my funds now. This investigation like I am a criminal is a total sham. I also want my XXXX bonus which is not on todays mailed statement! So far its almost 2 months that I have no access to my acct and they are holding my money!!
Complaint sub-issue: Debt is not yours

I received a collection letter on XX/XX/XXXX for property damage and unpaid rent. {$3.00}, XXXX is the amount owed. I do not owe this debt and I also had no knowledge of this debt.The rental company kept my deposit on XX/XX/XXXX so I was under the impression that they would repair the property with the kept deposit. I spoke to the collection office on XX/XX/XXXX and it was then that I learned of the debt which I believe is not valid.
Complaint sub-issue: Personal information incorrect

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Attempted to collect wrong amount

I contacted the collection agency XXXX XXXX on XX/XX/2021 in attempt to resolve my debt from my old apartment and was disrespected by the agent. I paid {$500.00} towards by balance which was suppose to be for {$1400.00}. I explained I was behind with everything due to a recent loss in my family and me not working for almost a whole year due to COVID. The operator/agent responded to me saying well I should have taken care of my responsibilities and said if I didnt pay there would be consequences if the balance was not paid by the end of the month. Im taking steps to cover my debt I owe while also being talked to like Im nothing .. Despite the set back I was having I called and paid what I could and advised I would follow up in about a month in attempt to put more money towards my balance. However, I was unable to pay the remaining balance of {$910.00} due to unforeseen circumstances. I then receive a debt collection on my report XX/XX/2021 stating I owed {$2400.00}. This is unacceptable for me to pay the company and they act like they never received the money and they added charges. They received emails confirming the right amount which I have documents of and proof of the last payment on XX/XX/XXXX.