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

A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I Received a debt collection notice from the company, National Recovery Agency. I requested copies of the account transactions showing I owed said debt on XX/XX/XXXX. In late XXXX, I received the photocopies of the account with a letter dated XX/XX/XXXX, which PRE-DATES my request for information. After careful review of the account transactions it is clearly shown that the account balance is listed as XXXX  " {$0.00} '' and the debt that is to be collected on was listed previously as a " Charge off ''. On XX/XX/XXXX, I provided this information to the National Recovery Agency, along with a spreadsheet showing the transactions and the charge-off, in addition to identifying the same on the transaction listing they provided as evidence of debt and asked them to remove my collection notice and ensure that it does not appear on my credit report or have any negative remarks for an invalid debt. 
I am now in receipt of another request from National Recovery Agency dated XX/XX/XXXX along with new photocopies of the account transactions that still show the amount that is attempted to be collected on as a " Charge-Off '' as well as showing a {$0.00} balance. The name of the account representative is XXXX XXXX. National Recovery Agency information : XXXXXXXX XXXX XXXX, XXXX, PA XXXX ; Phone XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, four fraudulent {$25.00} charges were made to my bank account towards coinbase via debit card for a total of {$100.00}. I have reached out to coinbase and have yet to receive a response. I have also contacted my bank by email and am waiting to receive a response.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I wire transferred XXXX to my CitiBank checking account. On XXXX XXXX, my account was flagged for suspicious activity and a freeze was put on my account. I have called the past 3 days, and they continually say they can not help me Because a special investigator is currently looking at my account. I made all transactions, I confirmed and even called Citibank before to tell them I was making these transactions, yet they still froze my account, and I can not access any funds with it at all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The week of XXXX XXXX, XXXX XXXX  obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the following Collection Account with XXXX & Equifax - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 XXXX XXXX Dealer Service placed an illegal inquire on my Equifax credit report that was not authorized by me in any way, they did not have any permission to do a hard inquire and have NO documentation of the same. When I contacted them they hung up over and over. They said they did not do an inquire and have no records of the same. Equifax as told me to tell XXXX XXXX to call them and that they could immediately remedy the fraud the XXXX employees have committed. XXXX XXXX has not called Equifax as they requested. Now there has been a additional act of fraud as there is now ANOTHER ILLEGAL INQUIRY that was not authorized this time on XX/XX/XXXX. XXXX XXXX has been e-mail about this new act of fraud and they continue not to take prompt action to remedy their illegal behavior.
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. 

Account name : XXXXXXXX XXXX XXXXXXXX XXXX account number ending in XXXX in the amount of {$990.00}, Reference number XXXX XXXXXXXX has violated my rights. 

XXXX5 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: Reporting company used your report improperly

factual data has done hard inquires on my credit report. I have contacted them they have no response. https : //www.factualdata.com/index.html.
Complaint sub-issue: Funds not handled or disbursed as instructed

After my computer was hacked in May, I went into the PNC Bank branch in XXXX, Virginia, on XX/XX/XXXX to close my existing account and open a new one. The matter was handled by a PNC representative named XXXX XXXX. At the time, I also switched all of the automated monthly payments from my old account to my new one, including the payment of my monthly rent. 

The following month, when my rent came due, PNC did not issue payment, nor did the bank tell me that it was not issuing the automated payment. I didn't find out the payment was not made until after the final deadline for paying rent, when the apartment management company fined me about {$210.00}, even though I immediately took a check to them as soon as I found out. 

I then called PNC to find out why the payment was not made. I was transferred several times until I reached someone at the bank who told me that PNC uses an outside vendor to process automated payments. This person told me that the vendor had simply decided not to make the automated payment to the management company for my apartment because my old account had possibly been exposed. The vendor took this action even though I had specifically gone into PNC several weeks earlier and closed down the compromised checking account to prevent any fraudulent activity. At no time was I ever informed that PNC 's vendor had decided to not make the payment. When I asked the PNC representative to send me an email confirming what had happened, the representative said he wasn't allowed to. 

I went back into the XXXX branch PNC Bank and spoke with XXXX XXXX about the matter. I asked that I be reimbursed for the {$210.00} that I had been charged by the management company for a late rental payment. During the conversation, I later said that I would be satisfied if PNC simply reimbursed me for half the amount. PNC took the position that it was a third party vendor that declined the payment, so they were not responsible. It was nonsensical because as the customer, my banking relationship was with PNC, not a third party vendor. It was their internal decision as a company to outsource the processing of the automated payments. I of course had no idea that they outsourced this function, and had no control over it. And PNC on its website and through its online banking application of course presented the ability to make automated monthly payments as a service that the bank itself offered. 

I was never reimbursed or otherwise contacted by PNC on the matter.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Information belongs to someone else

This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Complaint sub-issue: Card opened as result of identity theft or fraud

I received an e-mail from US Bank thanking me for my application for a credit card. I did not apply for a credit card. I tried to call US Bank fraud division to report it, but it is closed even though their website says they are a 24/7 agency. The application ID # is : XXXX according to their e-mail. 
I did notify XXXX XXXX which I am a member since my identity has been stolen before. 
XXXX XXXX e-mail XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police reportI 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as followsXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX RECOVERY Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
Complaint sub-issue: Information belongs to someone else

I kindly ask you to clarify the situation and help me to understand why I have these strange unknow accounts in my credit report. I do not recognize these accounts and feel that its misleading information. I want you to ask to apply investigation and remove these unknown accounts. Thank you for your help and support
Complaint sub-issue: Information belongs to someone else

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 

1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for pXXXXurpose.
Complaint sub-issue: Frequent or repeated calls

Balance is {$800.00} from pro collector and original credit name is XXXX XXXX XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I opened my Citibank secured credit card in XX/XX/XXXX. After 18 months, the card was supposed to go to unsecured and I would get my {$200.00} deposit back. I contacted Citibank in XX/XX/XXXX to make sure everything was on track to have the change happen, and get my deposit back, and i was told by the representative that it was. I have never been late on a payment, and the balance had been paid off in full since XX/XX/XXXX. The security deposit was supposed to be refunded on XX/XX/XXXX. I received a letter in the mail today that Citibank reviewed my history, and they are keeping my account secured for another 12 months, and holding my deposit. My credit score is good, and my track record with them specifically is excellent. They are playing games and going back on what they said initially. Upon contact, the representative was not helpful, and said there was nothing that could be done.The letter also threatens that if I close my account, the deposit will be be held another 3 weeks to pay against any balances or pending transactions. Again, there has been no balance or transactions made on this card since XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX
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. 
Account name : XXXX XXXX XXXX  XXXX # 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I have attempted to have the XXXX Credit Card account removed from my XXXX  and Equifax credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, Equifax, and XXXX, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and Equifax were able to correct this issue, but not the current one with XXXX. Also, XXXX has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Complaint sub-issue: No notice of investigation status/result

Related case XXXX have forwarded a letter from XXXX XXXX XXXX XXXX confirming that they have closed their file on this trade line and have sent it equifax via certified mail. 

I have not seen this item removed or gotten any form of proper notice of investigation status or results.
Complaint sub-issue: Account information incorrect

My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to XXXX XXXX.