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

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA XXXXB ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

By end of last year, i noticed an inquery on my equifax reported by XXXX/XXXX  Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with equifax on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining on my report.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 XXXX 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 items 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. Please remove the late date from this account : XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

My wife and I have a joint account with CITI Bank. We received two checks. One from the IRS which was our tax refund and the other from The Small Business Assoc. We received a letter from CITI Bank stating that they are going to cancel our account in 30 days due to fraud. Im not sure if those checks are related to the closure or not, but we can not access the account, we can not pay other bills from the account, and we can not withdraw from the account. We have Excellent Credit, we have been in good standing with all of our accounts. 

We contacted CITI Bank and spoke with several representatives in the Fraud Department and Customer Service. We were simply informed the account is closed and they will not help any further and the call will be disconnected. They then disconnected the call. 

I would like to know ( Exactly ) why my account has been frozen. Why is it standard for every representative in the company to ignore my pleads for help when fraud  is detected? Why has the company failed at the most general level of Customer Service to provide me help instead of ridicule and mistreatment as if I am a criminal? Why would it take 30 to 60 days to give me back my money? Why was I not notified if there was an issue of fraud on my account, instead of notifying me, they simply closed the account. They have effected all of my businesses personal and professional. Below I have filed a complaint with the XXXX XXXX XXXX. If this Company suspects Fraud, then they should contact the FBI, or DOJ and have Federal Charges brought up against me. But they cant because we have done ABSOLUTELY NOTHING WRONG. I will supply whatever documentation needed to support this claim. Secondly, if they do not want to do business with me, then refund ALL OF MY MONEY. Waiting for my money for 60 days while it sits in their account and accrues interest is theft on behalf of CITI. I am FURIOUS! We are in the middle of a Pandemic and RaceRiots and we have XXXX dollars in our account because someone decided XXXX is to much to have in an account. 

This is in reference to your complaint against Citi. Your complaint was assigned ID # XXXX
Complaint sub-issue: Reporting company used your report improperly

I recently applied for a business account with XXXX XXXX on XX/XX/XXXX for my business XXXX XXXXXXXX XXXX. 
I Provided business EIN, Business Phone, etc. Account was not approved, I was told I need to contact XXXX XXXX to provide additional information. I did not. 

A few days later on XX/XX/XXXX the account inquiry appears on my personal credit report. I called XXXX XXXX and they said they do not have anything associated with my personal. No personal account etc. I called Equifax the reporting agency they said XXXX XXXX definitely did it, otherwise they wouldn't have reported it. 

I spent 2 hours being transferred from department to department at XXXX XXXX. Finally speaking with the Executive Team ( XXXX ). XXXX said, XXXX XXXX could not assist me, it has nothing to do with them. She referred me to XXXX.
Complaint sub-issue: Information is incorrect

I sent letters to Equifax concerning the inquiries on my credit report that I did not authorize, They have refused to delete the items that I told them that I did not authorize. They sent an e-mail stating that the inquiries would remain on my credit until XXXX and XXXX, They have refused to remove these items. I did not authorize these items on my credit report. I am a victim of identity theft. it seems that they are more concerned about the creditor than they are the consumer. Their investigation led to no result. They have been notified and they have refused to delete these items that I have stated as a fraud on my Equifax report. This is why I had the fraud/freeze alert on all three credit bureaus. They allowed these companies to check my credit without my permission. This is identity theft. Equifax allowed these companies to check my credit with the freeze/block on my credit report. When there is a freeze/block on a credit file then the company has to contact the consumer bit no one contacted me about any of this,
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX XXXX  XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Billing dispute for services

I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error.

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) All of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Didn't receive enough information to verify debt

Ive been in touch several times with I C Systems about this medical debt, asked them to send verification of debt as the original creditor no longer has the information on file because it was turned over to collections, I C Sytems response over and over has been they are waiting for verification from the original creditor, Ive received no verification with date of device, the billing creditor or services rendered only collections letters stating past due instead, this debt can not be verified not even by original creditor.
Complaint sub-issue: Account terms

I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested numerous method of verifications and advised I have no contract with an account called XXXX XXXX. Equifax removed it off my credit and then added it back a few days later. They still have not sent me the information I have requested. All they ever say account is verified. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report. If they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of the letter then they must remove these accounts from my credit report. This is about my 4th complaint with you all and now I have went to the attorney general as well.
Complaint sub-issue: Reporting company used your report improperly

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EQUIFAX and there is no third party involved. EQUIFAX has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE EQUIFAX VERIFICATION METHOD. WITHOUT RECOURSE.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, CLARITY, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
Complaint sub-issue: Reporting company used your report improperly

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX original creditor XXXX communication ) ( XXXX XXXX XXXX ) original XXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Complaint sub-issue: Information belongs to someone else

EQUIFAX CREDIT BUREAU COMPLAINT : There is an Unknown yet validated account reporting on my Equifax credit file with an account number XXXX. 
I have been advised by legal counsel that partial account numbers are not acceptable and is reporting out of compliance with the FCRA and since it has hindered my investigation it is an negligent act of the furnisher and Equifax. 
There has been no mention on the report that this account has been disputed due to identity theft and is also out of compliance with the FCRA. 
There has been no mention of my dispute submitted in XX/XX/2020 regarding this account opened as a result of identity theft and disputed reporting under # XXXX and there is no mention of the prior dispute of # XXXX an unknown account also opened as a result of identity theft. 
In XX/XX/2020 I contacted the Fair Trade Commission regarding the Identity Theft and the noncompliance of the furnisher and Equifax. 
Along with written requests mailed to both the furnisher and Equifax to remove the information I sent the FCRA 605b and instructions to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA.

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). 
I have to date not received a reply from the creditor and subsequently with the advise of the FTC I mailed to Equifax my ID Theft Affidavit and letter of request to remove the fraudulent account on XX/XX/2020 and again XX/XX/2020. 
I also advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax.
Complaint sub-issue: Debt was paid

Hi, I was a XXXX internet user, my account number was XXXX. 
I decided to discontinue the service from XX/XX/2020. I paid off all remaining balance and dropped off my equipment physically to a XXXX location. I was told by the representative that I was good to go. And I was not given any receipt, I trusted the person and left the store without any written documents that they received my equipment. 
Despite returning the equipment I received a new statement on XX/XX/2020 from XXXX saying I owe them {$59.00} for unreturned equipment. I called their customer service ( Do not recall the date ) and they confirmed I owe them nothing and the statement was sent out as a mistake. I was told everything has been taken care of. 

However, surprisingly I received a letter dated XX/XX/2020 from a collection agency named MRS Associates that I owe XXXX {$59.00}. 

I called the XXXX  to file a dispute and to resolve the issue, but the representative could not help me. In these circumstances, I made a payment of {$59.00} to XXXX   over Phone using my credit card. 

How can I resolve this matter without hurting my credit score? And steps can a consumer take to avoid such harassment? 
I would like to file a formal complaint of negligence against XXXX. 


Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.
Complaint sub-issue: Can't close your account

XXXX XXXX Complaint for CitiBank, NA, Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I sent letter On XXXX XXXX, to CitiBank, NA, Office of the President, In reference to account number XXXX, account ending in XXXX CitiBank, NA, Office of the President, as issuer of account failed to send proof .and failed to send proof of investigation and Lapsed 90 days, account unverifiable CitiBank XXXX NA, is responsible for account ending in XXXX, as issuer of account .not any other party Because CitiBank, NA issued account number XXXX, itself. 
Not a third party. 

This account is not mines .I have never been their client. 

CitiBank, NA failed to send strict proof of account investigation after 90 days period CitiBank, NA failed to send strict proof of account ending in XXXX Therefore Im requesting a letter of account close.

CitiBank, NA account ending in XXXX, is an error. 

CitiBank, NA is inconsistent Please find enclose documents sent on XXXX XXXX to CitiBank, NA, Office of the President. never answer Thank you XXXX XXXX