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

This is not a Duplicate. 

I have tried to escalate this matter to Equifax multiple times without success on XXXX XXXX XXXX Account XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XXXX/XXXX/XXXX - XXXX USPS Certified mail - XXXX/XXXX/XXXX - XXXX I have tried bringing this to Equifax multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and Equifax repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for Equifax XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX This account showed up on my credit report on XXXX, XXXX for a balance of {$670.00}. This current Equifax report on XXXX XXXX, XXXX Confirmation XXXX and XXXX XXXX, XXXX Confirmation XXXX both states a repetitive response that Equifax verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XXXX XXXX, XXXX. I have a copy of my lease which I 'm attaching. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XXXX XXXX, XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Complaint sub-issue: Account status incorrect

RE XXXX ACCOUNT NO : XXXX XXXX  I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay for and on XXXX XXXX I ported the phone over to but was told there was a balance of {$50.00} which I paid IN THE STORE and closed account.. I never received a bill and was never able to access bills on line. 

A INCORRECT INFORMATION -- COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL 3 TIMES. 
EQUIFAX, XXXX AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a XXXX  balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA
Complaint sub-issue: Other problem getting your report or credit score

I'm trying to get my credit score online and no lenders can access my file if I wanted to open a credit card. Equifax is the online credit reporter and I have called over 20 times to get help from them. They never help and they will not take me seriously. My credit score says XXXX  and lenders also can not access this. Equifax is horribly rude and always says the same thing - we will escalate your issue. It's been over a year with at least 20 calls to them for help.
Complaint sub-issue: Old information reappears or never goes away

Old information reappearing
Complaint sub-issue: Account information incorrect

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Priority package with a {$500.00} promotional credit on XX/XX/2017. The promotion offer is a {$500.00} bonus as long as we satisfy some terms and conditions. However, Citibank refused to honor this offer even if I can prove that we have fulfilled all conditions. 

The terms of the promotional offer is : 1 ) Within thirty ( 30 ) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 2 ) Maintain {$50000.00} in saving account more than 60 days.

According to my correspondence with Citibank customer service, the offer is not honor even I have fulfilled the requirements for the following reasons : 1. My previous account was closed within less than 60 days of the opening date of the current one.

2. This account was not enrolled in this promotional offer as it was opened.

However, we have documents/correspondence to prove the above two reasons are false.

1. My previous account was closed on XX/XX/2017, which is NOT within 60 days of the opening of the new account. 
2. When I opened the account at the XXXX ( CA ) branch, the banker clearly went through all the details about the promotion with me and signed me up. Also, one of the customer service did located the promotion ( XXXX ) when this account was opened. 
I believe the inconsistent information provided by the Citibank customer service has shown that they are dishonest during the whole process. 
1. In XX/XX/XXXX, I contacted customer service and they told me that my account satisfied the conditions and the bonus is expected in the following month or XX/XX/XXXX. 
2. Later in XX/XX/XXXX, another customer service said that, although theyve located the promotion, my previous closing account was less than 60 days ( reason # 1 ). 
3. Then I contacted them again to prove that the reason # 1 is incorrect. Yet another customer service told me that this account didnt enroll this promotion offer at the first place ( reason # 2 ). 
4. Now, I believe that they block our access to contact via customer service regarding this issue. 
As our correspondence reveals, Citibank keeps providing contradictory informations and refuses to address this issue by coming up new excuses. I shall attach our correspondences with Citibank with this complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Multiple inquiries on my report I do not recognize
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.
Complaint sub-issue: Information belongs to someone else

Equifax has an Account by XXXX XXXX XXXX listed on my consumer report. I have never done business with this company. Company claims that I owe them money. I've sent my dispute requesting information proof of my debt owed to XXXX XXXX XXXX. The company sent me an unsigned unnotarized statement of charges owed to another company. XXXX XXXX XXXX included a partial copy of a lease contract to which they are not a party. Again, I have no knowledge of this company and I believe that this information belongs to somebody else and is mistakenly appearing on my consumer report. I have included a identity theft report herein.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Equifax mishandled my information via a publicly announced hack of over 140 million records, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX NO CONTACT NUMBER LISTED Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Original Creditor : XXXX  XXXX  OR XXXX XXXX XXXX  account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Reporting company used your report improperly

credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX  XX/XX/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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I been trying to get this issue corrected for 3 years now. XXXX XXXX and Equifax has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all XXXX bureaus don't match either.
Complaint sub-issue: Problem during payment process

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Investigation took more than 30 days

I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This 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 XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I'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 follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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. 

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 aN account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself