Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX2022 I was notified by my bank of unauthorized charges by the company Upgrade that deposited {$9600.00} into my bank account. I went to the bank and they sent the money back. There were a few checks that were written so the account was to be closed 5 days later. Two days later Upgrade 's subsidiary company XXXX XXXX accessed my account and withdrew {$5200.00}. I went back to the bank and they immediately closed the account and reversed the withdrawal. I filed a police report on the same date. I then started receiving emails and letters from companies stating I had asked for credit cards and loans. I went back to the police department and amended the report to include all of the unauthorized inquiries on my credit history. I contacted everyone that sent me a letter and provided a copy of the police report. I contacted the Credit Bureau and had a freeze put on my credit history. I also contact the Social Security Administration office on XX/XX/XXXX and put a fraud alert on my social security number. Below are companies that have requested inquiries and credit in my name : XXXX XXXX XXXX XXXX  XXXX by XXXX XXXX - Notified XX/XX/XXXX did not apply for loan and to flag as fraud. 
XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card or loan and to flag as fraud. 
XXXX XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX - NotifieXXXX did not apply for a loan. 
Upgrade - Notified XX/XX/XXXX of unauthorized deposit in bank account. Notified XXXX and XX/XX/XXXX did not apply for loan. Provided Drivers license to close account and flag as fraud. 
XXXX XXXX XXXX  - Notified XX/XX/XXXX did not apply for bank account and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for account, close, and to flag as fraud.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, I opened a saving and a checking account in Citibank. On XX/XX/XXXX, I received the card, so I downloaded the App and deposited two checks, one for {$1400.00} ( # XXXX ) and the other for {$550.00} ( # XXXX ). After I made the deposited the bank decided to close my account without any warning. 

I kept calling and they stated that I needed to contact the person who made the checks to re-issue the checks. I asked them to send a letter where they stated that the checks were not good to show. And they said that they can't do that. 

After that, I tried to deposit the checks in another bank ( I deposit the checks through the app ) since Citibank said that the checks were not good. The bank stated that those checks were cashed already. So, I called Citibank and they say to provide the phone number of the company, which I did. to release the funds. If the checks were bad as they stated, why they said : " to release the funds ''. And they said that no one was picking up the phone. 

They also took {$100.00} from my savings account. 

I call almost every day, and no one can give a real answer why they can't return my money.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have recently submitted a letter to Equifax reporting agency to block the following companies in relation to Fraud. 
Company 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX In reciept of my letter submitted to Equifax on XXXX, the following documents were provided 1 ) Copy of my identity 2 ) Identity theft report filed with FTC 3 ) Fraud affidavit 4 ) Police report A written letter was sent to Equifax requesting that the Credit Reporting Agency comply with section 605 B of the FCRA, which requires them to block the fraudulent information in my credit file from the above mentioned companies resulting from identity theft within four business days. 

On XXXX I was notified by email stating my letter was received and I will be updated within 30 days. I called in to Equifax at XXXX A.M. CST XXXX to clarify that my letter was sent to request to block above creditors for fraud activity on my credit file. Explained that all documents has been submitted. Spoke with customer service rep ( XXXX ),  who informed me that it would take 30 days as well as email indicated. This complaint is to follow up with non compliance of credit reporting agency Equifax for section 605 B of the fair Credit Act.
Complaint sub-issue: Other problem getting your report or credit score

My score disappeared on both XXXX and Equifax and I have zero negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I
Complaint sub-issue: Public record information inaccurate

I have disputed the BANKRUPTCY account # XXXX with XXXX  on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. XXXX  continues to respond that the account is verified and the information is certified by LEXISNEXIS RISK  XXXX XXXX XXXX. 

The account numbers reported through XXXX  as XXXX do NOT match the account number being reported on LEXISNEXIS BANKO REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to LEXISNEXIS CONSUMER CENTER on XX/XX/2020 and XX/XX/XXXX ( as instructed by XXXX  on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. LEXISNEXIS continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, XXXX, can simply get the account verified by another consumer reporting agency, in this case, LEXISNEXIS, without any actual proof. 

I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that XXXX  is reporting is false and is also a violation of the FCRA. 

I sent a letter to the US BANKRUPTCY COURT in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( Equifax, XXXX and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )/ account # - XXXX / {$68.00} XXXX XXXX account # XXXX / {$1100.00} XXXX XXXX  XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account XXXX - {$18.00}
Complaint sub-issue: Don't agree with the fees charged

I graduated college in  XXXX  with {$20000.00} in student loan debt from   XXXX   XXXX  . I initially struggled after graduating college to make these high payments. The loans often went into forbearance or deferment. The loan was then sold to AES in  XXXX . I now owe  XXXX ! I have paid on time for a few years now and still seem to owe this balance. It is truly outrageous and criminal what these companies and the government are capable of charging in regards to interest for a education. Something that is every individuals basic right. I have tried for over a year now to get my entire history from either   XXXX   XXXX   or AES in regards to how my interest could possibly have incurred to this point, and neither agency has the record .
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft by a family member, who is now dead. I have written several letters to Citibank about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to Citibank with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to XXXX XXXX of Fair Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you
Complaint sub-issue: Personal information incorrect

XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
Complaint sub-issue: Information belongs to someone else

I am writing to dispute fraudulent charges on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Complaint sub-issue: Deposits and withdrawals

I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.
Complaint sub-issue: Their investigation did not fix an error on your report

Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which  gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
Complaint sub-issue: Information belongs to someone else

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 the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).
Complaint sub-issue: Debt was result of identity theft

I have contacted Equifax  several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax   keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Complaint sub-issue: Was not notified of investigation status or results

There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax  Re :  unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX    XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have rights under 15 USC 1681. accordance with the fair credit reporting act Equifax is govern by 15 USC 1681 and the they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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: Debt was already discharged in bankruptcy and is no longer owed

This company is illegally trying to collect a debt that was XXXX in a bankruptcy chapter XXXX back in XXXX. It has been 18-19 years since this was discharged. Statute of limitations also prevents this company from continuing to contact me. There first contact was XX/XX/XXXX, then again on XX/XX/XXXX. XXXX ( XXXX XXXX XXXX sold this debt After Discharge and opened it up after it was written off. This company needs to cease any and all further contact. There attempts to get me to respond to There shenanigans which will open this debt and put it back on my credit report is XXXX. They need to stop NOW. I no longer have paperwork on the bankruptcy due to it being over 15 years almost XXXX years old. So how am I to send proof when it has already fallen off credit report and I no longer live in CA, and am not required to keep copies past 10 years.!!
Complaint sub-issue: Information belongs to someone else

FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX