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

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a business checking account XXXX at the XXXX NY office of Citibank. The account came with the promotional offer of {$700.00} after keeping at least {$25000.00} in the account for three months. I did keep the required balance but the bonus has never posted to my account. First I received a letter in mail from Citibank saying that I qualified for the bonus but Citibank claimed they did not have my tax information. I went to the XXXX XXXX branch and banker XXXX XXXX XXXX filed the tax form that I completed. No bonus yet. I asked XXXX to check the status. He received no answer and filed the form one more time. Then I received the tax form in the mail from the Citibank office in XXXX XXXX, MO which I completed and sent back to Citibank. After several phone calls to Citi Customer Service I was told that they received my form. Still no bonus. XXXX sent the tax form at least four times and I called the customer service at least three times. Both XXXX and I have no more avenues to proceed with the request.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is XXXX XXXX XXXX. 

Thank you for your assistance in this regard.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern Equifax has been sent letters XXXX letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections accounts on my credit report that continues to update. I do not have any credit cards now but XXXX card. Yet I have XXXX hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2021 I mailed Equifax a letter disputing a few errors on my credit report. I also mailed letters to XX/XX/XXXX and XX/XX/XXXX at the same time. I received XXXX response on XX/XX/2021 and XX/XX/XXXXon XX/XX/2021. I understan from the Fair Credit Act, I should hear a response within 30-45 days. I even gave a few days extra due to COVID and the mailing system being slow. However, it is now XX/XX/2021 and still have not received any notification from Equifax. According to the Fair Credit Act, all my concerns on the original dispute should be updated / granted due to lack of response. 

I would like my credit report to reflect all the disputed information at this time.
Complaint sub-issue: Information is not mine

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
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 I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit. 

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 CARD 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 CARD XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I submitted an online dispute with Equifax and have tried repeatedly to get a copy of the results after being notified via email they were ready. The online portal never let me in, so I called them directly. After giving every possible identifying information to the customer service rep, I still was not given the info. After getting extremely frustrated, I requested that it be mailed to me. The person placed me on hold to see if that was possible. They came back eventually after an extended wait and stated : It will be a while before you receive it! This is absolutely ridiculous as I have been trying to get the results of the incorrect information that they should have been removed weeks ago off my report. This seems like a tactic to frustrate the consumer from removing erroneous info from their reports. It is shameful and appalling..
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX  was never used. There is no information in their computer system. It is XXXX year old account. It is still on all three credit reports. It needs to be deleted off.
Complaint sub-issue: Information belongs to someone else

Someone used my identify and opened a credit card with XXXX on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to XXXX XXXX  ( Identity Theft : XXXX ) and XXXX XXXX XXXX department ( XXXX ). XXXX XXXX Fraud said they will start an investigation, which may take 3-4 weeks to conclude. XXXX Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the XXXX card from my report. Equifax did nothing of the kind. I am still waiting for XXXX to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at XXXX XXXX? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Complaint sub-issue: Reporting company used your report improperly

Hi, I am making a complaint against the three Consumer Credit Reporting Companies Equifax, XXXX, XXXX XXXX XXXX for credit reporting description and for reporting my credit report low because I am a XXXX XXXX American Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and XXXX XXXX against XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XX/XX/XXXX I made my last payment of {$82.00} I had a balance with late fees that I asked to be removed but they said no XX/XX/XXXX {$3700.00} now they are asking me to pay {$4400.00} to take me to court which I received the paperwork opened with a breech of privacy it was sent to the wrong house. And a random man dropped it off XX/XX/XXXX. In XXXX of XXXX I called the credit card account and told them that because of my XXXX XXXX XXXX  and me living with them if they could pause my payments because I was waiting to be XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them I would be moving which is the new address they have on file. They arent helping with access to the account to check the statements or anything.
Complaint sub-issue: Debt is not yours

I recently disputed a medical collections account that is currently only showing on my XXXX report. This account was supposedly from my medical provider but now another company is " representing '' them. I believe that this company having access to my information is a clear violation of my HIPAA rights.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2019 while I was on vacation out of my home state of California, I was the victim of credit card fraud on my Citibank credit card. I had vacation notifications set with Citibank, listing the places I was going.I was available by phone at all times. I charged my airline tickets, hotel reservations and rental car on the Citibank credit card. At no time while on vacation was I contacted about activity on my account in California while I was in South Dakota and surrounding area. When I finally was contacted later in XXXX, I disputed the fraud charges then I waited until XXXX to hear back from Citibank that I was liable for the fraud on my account because the charges were " chip enabled ''. I tried in vain to explain that, that was not correct, one charge, for example, was an online movie rental, impossible to charge by chip. They would not listen to reason. When I tried to contact Citibank I was told since the case was closed. They no longer would discuss it on the phone but I could submit further documentation by mail. I sent a series of both registered and regular mail letters and never received a response. I went to my local branch and was told they could not help me. I appealed to the bank manager who gave me a new phone number of a " supervisor '' named XXXX XXXX, in the fraud department. She listened to my story, told me that the decision was " set in stone '' but she would get back to me and I have never heard from her again. I contacted XXXX XXXX for assistance and they told me to file a police report which I did. This was submitted to Citibank. When I called to follow up with my case I was told they never received the police report. When I asked if they wanted me to resend it they said that wasn't necessary because their credit cards can not be duplicated. It was sent again anyway after the fax number was confirmed to be correct. I am now getting collection calls because I did not pay the fraudulent charges and my FICO score has been affected. I can not reach anyone who will look into the details of my case and see that it is impossible to make charges in 2 different states on the same day. Citibank only ever gave me one credit card which was in my possession at all times. Clearly it is possible to duplicate their  card because it happened. I need to get these charges and accrued interest reversed from my account. I am obviously not using the card any longer.
Complaint sub-issue: Banking errors

I have not received my 17 % bonus promotion on my initial direct deposit. The 90 day qualification period has ended.
Complaint sub-issue: Debt was result of identity theft

I, XXXX XXXX, checked my credit report on XX/XX/2021 and I noticed that I had a inaccurate and fraudulent account on my credit report. I have no knowledge nor did I give consent for this account to be on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed some erroneous accounts with Equifax, XXXX and XXXX but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX XXXXXXXX XXXX XXXX Equifax
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX  account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Complaint sub-issue: Personal information incorrect

This is a huge problem for my new job my background is showing 3 different name on my credit report XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.. My name should be listed as XXXX XXXX XXXX please delete any other variations of my name. My only address is : XXXX XXXX XXXX XXXX, NC XXXX. Please delete remove any other address they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I had this problem before. It seems to never end.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Improper inquiries that I didn't authorize XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX Credit Bureau XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX still shows an account I had closed as open. I have disputed this in XXXX with all credit report companies. I sent a letter from a lawyer and the issue was corrected by XXXX, and Equifax. XXXX is the only one that has not corrected this problem. They continue to tell me that the account is still open. The account status that I am disputing is from : XXXX XXXX XXXX  It states the the account is open and there is a past due amount of {$6.00}, XXXX. 
It has been causing several " hard inquiries '' on my credit report when I try applying for a credit card or a loan causing my credit score to drop. I would like to have those removed as well as the account listed as closed. 
I have attached the letter I sent to XXXX, Equifax, and XXXX in XXXX. The issue was resolved with XXXX and Equifax only. 

Thank you, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Called company to make a payment they informed me they do not supply receipt of payment until debt is paid in full. XXXX XX/XX/XXXX I called into make a {$550.00} payment the rep told me it had to be set for a payment play and taken out until paid in full. They do not take partial payments nor do they supply receipts of the payment plan. How are you suppose to have proof or track that payments made.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I deposited a pay check for {$4900.00} in the ATM of US Bank XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Twice a month my paycheck was directly deposited to this same account for 1.5 years. I received a letter from US Bank dated XX/XX/XXXX stating the check was on hold because there was reason to believe the check would not be paid. I called the US Bank customer service and fraud dept. and the representatives repeatedly explained to me they could not give me any specific details. On XX/XX/XXXX I received a second letter stating that US Bank was closing my account for suspected irregular activity. The funds that were in my account before the pay check was deposited were not available for me to withdraw. I continued to call US Bank customer service and fraud departments and was given the same response each time that no details were available explaining why may account was closing. On XX/XX/XXXX I received a letter stating that my US Bank checking account was closed and I would receive an official check for the credit. I did receive a check for {$250.00} dated XX/XX/XXXX. I called my local branch and was told by the branch manager there was nothing she could do and there was no notes with details on my account. I did email and speak with the employer who issued the check on XX/XX/XXXX and they informed me the check had been deducted from their bank account. I filed a claim with the CA XXXX XXXX regarding the final pay check owed to me. I had a meeting with the CA XXXX XXXX on XX/XX/XXXX and was instructed to obtain a letter from US Bank specifically stating why the funds were not deposited into my checking account. I called US Bank fraud dept. on XX/XX/XXXX and and spoke with my local branch manager and was told the funds were put in a holding account on XX/XX/XXXX. I asked why I was not notified or sent a check for the money owed to me from over a year ago. My account was closed after the money was put on hold in my name. But, when I called multiple times after XX/XX/XXXX no representative from US Bank would give me any details regarding the funds I deposited or why my check account was closed. The branch manager explained to me she was waiting for the funds on hold to be transferred to her bank and she would mail me a cashiers check.
Complaint sub-issue: Their investigation did not fix an error on your report

The Consumer Reporting Agencies are not only willfully but negligently reporting negative information to my credit file. After numerous attempts at communication with them, they have not responded in accordance to the Fair Credit Reporting Act and have extremely affected my ability to extend credit.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and the criminals tampered with a new car loan that I started with PNC BANK in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into PNC Bank and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted PNC Bank via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.