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

This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Personal information incorrect

My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Complaint sub-issue: Debt resulted from identity theft

I discovered a fraudulent debt on my credit report in XX/XX/2015. At the time I was told by another debt collection agency that the account would be canceled and sent back to XXXX XXXX. Now, AFNI has received the XXXX assignment again and they have illegaly credit reported this to my credit reports. I am in the middle of financing a home and this is causing me significant damages if it does not get resolved IMMEDIATELY. I have a police report and fraud affadavit that has this account listed as a fraudulently opened account and demand this item be removed from my credit report. Should I suffer any damages from AFNI 's willfull negligence in credit reporting this I will hold them liable for everything I will lose including my earnest money deposit and less than prime financing terms that they are going to be causing me.
Complaint sub-issue: Information belongs to someone else

See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. Acima Digital Fka Simp  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

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

The Account was given a Forbearance thru the Months of the end of XXXX due to COVID ... My Credit was hit with a late payment for XXXX ... That's incorrect if the account was already in a Forbearance ...
Complaint sub-issue: Account status incorrect

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Complaint sub-issue: Can't close your account

Closed my savings account with Citi Bank on XX/XX/2019. 
However, I get a statement on XX/XX/XXXX in mail that showed my balance of XXXX cents. There should have never been any interest incurred in my account since it was closed on XX/XX/XXXX and there was no remaining balance when Citi employee gave me a confirmation of closure of my savings account on XX/XX/XXXX. 
When I contacted Citi Bank on XX/XX/XXXX, an employee told me that my account is still active and currently can not close the account because of the balance my account has from Citi 's negligence. I believe this business practice was performed to keep the account alive for their performance scorecard and must be investigated.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my XXXX XXXX complaint with Equifax to verify XXXX Account XXXX. 
On XX/XX/XXXX Equifax sends by mail my report # XXXX. 
Equifax states XXXX account is accurate. 
Date Reported : XX/XX/XXXX, Balance : XXXX, Amount Past Due : XXXX / Date of Last Payment : XX/XX/XXXX. / Date of Last Delinquency XX/XX/XXXX / Date Closed : XX/XX/XXXX For the record, I have never made any such payment on XX/XX/XXXX I am requesting Equifax and XXXX to provide PROOF of such payment I have supposedly made to XXXX. I want to see a cashed check or any such payment supposedly I have made. 
Facts, I have XXXX XX/XX/XXXX Bank Statement in which I can send Notarized by XXXX XXXX  that shows I made no such Payment to XXXX on XX/XX/XXXX. 
Facts, Equifax is NOT accuarely verifying any information with Creditor XXXX. 
Facts, Equifax is breaking the Law. 
Facts, The XXXX Account reported is inaccurate and has hurt me Financially and unable to buy a house. 
XXXX account Paid On Time XX/XX/XXXX and Closed
Complaint sub-issue: Information is not mine

Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.
Complaint sub-issue: Unable to open an account

My spouse and I have been customers of Bank of the West for several years, almost 20 years for myself, and 3 years for my spouse. After getting married recently we have tried to open an joint checking account with this bank. We have tried several times at the branch and after several phone calls, we have been denied without a specific reason. We were told that due to a merger, the process would be easier online and since the approval process goes through a different process, we shouldn't have an issue. We both tried opening accounts, but were promptly denied and asked to visit a branch. I called customer service and was told that they are unable to help with anything related to opening an account, and they refused to provide any contacts for a supervisor or anyone in their retail banking division. My spouse and I have excellent credit, have never issued a bad check, or even over drafted. This bank is denying us a joint checking account and not giving us a real reason why, even the employees that we've talked to don't understand why it's not being approved.
Complaint sub-issue: Account information incorrect

FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO XX/XX/XXXX? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXX XXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.
Complaint sub-issue: Account status

I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.
Complaint sub-issue: Account status incorrect

On XX/XX/2018, my credit card was charged for {$20000.00} to pay off my account. I spoke with XXXX on XX/XX/2018 and she opened a ticket to make sure payments are updated because she could see that fund were received on XX/XX/2018. I received a letter dated XX/XX/2018 that said, XXXX XXXX XXXX XXXX XXXX reported the default of my Federal Family Education Loan. I spoke with XXXX from XXXX XXXX XXXX on XX/XX/2018 who said the account was pulled from their office and she referred me to XXXX  Post Claims. I called XXXX Post Claims and spoke with XXXX on XX/XX/2018 who said the account was closed on XX/XX/2018. She said that payments may be held for 45 days from initial payment. No updates to the account for 3 months and 8 days. It appears the financial institution does not have reasonable policies and procedures to process payments timely, close accounts promptly, provide accurate disclosures or provide accurate information to the credit reporting agencies.
Complaint sub-issue: Didn't receive enough information to verify debt

Sent them a debt validation letter. Did not receive any information to confirm debt is owed to them ( I am 100 % certain I do not owe this company ). Instead of validating it they put it on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX/XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Other problem

I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act 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 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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX, I visited XXXX XXXX in XXXX, OH and was persuaded to become a member. A membership at XXXX costs {$99.00} per month and was told that as a member, I could visit a clinic each month to receive a chemical peel or microdermabrasion ( valued at {$99.00} ) in exchange the membership fee paid. I was very excited to take advantage of my membership and visit monthly to receive treatments. 
The XXXX XXXX XXXX ( WHO ) on XX/XX/XXXX, declared the novel coronavirus ( COVID-19 ) outbreak a global pandemic. Immediately following this declaration, XXXX was closed for months citing safety concerns amidst the pandemic. Due to the local and federal restrictions, they were forbidden to provide customers with the standard services they normally provide. To this day, they still are not providing the majority of services, as per their website. However, they were still charging members saying the members could bank the money as credits to be used later. I contacted XXXX last year and tried to work through my issues concerning not being able to be serviced by still paying. The supervisor and I went back and forth and no resolution was made. We had a few phone calls and they tried to get me to do expensive services that I didnt need. 
I then filed a despite with Citibank on XX/XX/XXXX hoping that they would assist. Citibank reached out to the merchant on XX/XX/XXXX and gave them 90 days to respond. The merchant responded to Citibank on XX/XX/XXXX with a general contract ( my actual name and signature were not present in the screenshot ) and the correspondence to the dispute was ripe with errors and falsifications of dates and facts. At one point, another customers name was even included. 
Further, once XXXX realized I filed a dispute with Citibank, they closed my member account meaning all of the supposedly banked credits ( {$99.00} per month x 8 months ) were wiped away. So not only is Citibank holding me responsible for these charges, the merchant already ended the contract. 
I do not feel Citibank protected me as a customer and executed a high-quality, high-equity investigation. Instead, the bank sided with the merchant after conducting a seemingly cursory review of the documents. I filed a claim saying yes, I signed up for a membership, but was not provided with services consistent with what the membership advertised. I was arguing that based on these terms, I deserved a full credit. Citibank took the merchants response of the customer ( me ) signed up for a membership and used that to deny my claim and hold me responsible for {$790.00}. I filed an appeal with Citi and they declined it and upheld the charges. I believe Ive been wronged by XXXX and now Citibank.
Complaint sub-issue: Personal information incorrect

I sent a few dispute letters to the major bureaus requesting verification and they have not sent me any mail back responding to my request
Complaint sub-issue: Account information incorrect

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Account status incorrect

Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of Equifax, XXXX and XXXX. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. Equifax XXXX and XXXX XXXX I am XXXX Lifetime and Retired.
Complaint sub-issue: Their investigation did not fix an error on your report

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I previously sent a letter on XX/XX/2022 and set another letter on XX/XX/2022 to follow up the previous letters I sent. As of todays date Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I need the following accounts corrected and if the Credit Bureaus chose to not comply with the simple request, I would greatly appreciate it if the Credit Bureaus would remove the disputed accounts from my Credit Report : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX