Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report and email have previously been hacked on numerous occasions. I should be getting monitoring free but its not working. Please assist with this issue. A statement is on my report from older issues but the more recent hacking where monitoring was offered to victims, i was excluded and unable to access. I try to monitor it but i am XXXX, so i keep it frozen but it doesn't prevent hacking. Anyway I applied, was approved and received 2 new cards. XXXX XXXX for XXXX $ and XXXX XXXX for XXXX XXXX The inquiries show and XXXX XXXX now appears but XXXX doesn't. I believe its a XXXX or bias against XXXX people. The cards were applied for simultaneously and inquiries show. They also appear online and are open. I am attaching screenshots. XXXX is my home bank. They also have credit monitoring and can supply the COMPLETE ACCURATE information directly. Balances on all accounts is always rolling behind. Its very stressful when I'm making double payments at times to pay off/down. My score should be higher. Im also sending the history. I was over XXXX. I still haven't missed any payments nor been late. Ive paid off accounts at times and my credit limit is higher on all accounts. It makes no sense that my score is below XXXX when my limit is higher with no lates. Also my XXXX is older than listed. XXXX bought out old company but account was already established for years since XXXX. With no lates. Also have a paid XXXX ( closed store ) and paid XXXX XXXX. ( Co sign, closed ). Its all in credit history not sure why research is not being done. Accuracy is important and investigations I've requested have been incomplete. Being XXXX and having XXXX stress is a trigger and i try to avoid it entirely. I shouldn't have to babysit reporting agencies nor should I feel like I'm being treated differently than XXXX  friends whose scores are higher with less credit history, less established and lates. Being in mtg industry and reviewing others credit its ridiculous to see the difference. Please assist
Complaint sub-issue: Information belongs to someone else

I sent the following letter to the credit bureaus regarding unauthorized inquiries in my credit profile. 


Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
Equifax : 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 also XXXX  you XXXX ( XXXX, Equifax, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NJ Best Regards, XXXX. XXXX
Complaint sub-issue: Information belongs to someone else

My personal information was exposed in the Equifax data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my Equifax, XXXX and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my Equifax, XXXX and XXXX credit reports. I also would like for the following company XXXX/XXXX XXXX  loan account to be removed from my XXXX, XXXX and Equifax credit report. All three accounts was fraudulently open without my consent.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I called Commerce Bank regarding their attached promotion, Check300, '' Get up to {$300.00} for opening a CommerceRelationship Checking account + a Money Market account1. '', and asked their representative if I could open the Checking account online and receive the bonus, and she asked me what state I lived in and told me that if I opened it by XX/XX/XXXX, I would receive {$200.00} as long as my account was in good standing for 90 days after opening, but if I wanted the {$300.00} bonus I would also need to open a Money Market Account in the Branch. I told her there wasn't a Branch close by, and I was only interested in opening the checking account, and asked her if there was any fees to the checking account, and she said there is a $ XXXX monthly fee that is waived if you have {$5000.00} avg. daily balance. I then opened the account, and called in after 90 days asked why my {$200.00} bonus had not been received, and the representative asked my account number and after checking I was told that the {$200.00} would not be deposited until after 3 full statement cycles. On XX/XX/XXXX, I still had not received the Bonus and called back again, and spoke with XXXX  who verified me and said she would check with those responsible for the Bonus and call me back tomorrow. Not receiving the promised call, I called back on XX/XX/XXXX, and was told that they did not get a response to the email that was sent to the Bonus dept. and they would check with them and call me back tomorrow. Not receiving the promised call, I called back onXX/XX/XXXX, and asked for a Supervisor and spoke with XXXX  who asked me in detail about the online bonus offer I accepted and apologized, gave me her phone # XXXX, and said she would make sure she had an answer for me if I could wait until XX/XX/XXXX, and she would call me early. She called, and said the Bonus Dept. wanted to know if I got a personal letter or email invite for the Bonus offer, and I told XXXX   that as I previously told her I called in regarding the online offer, and confirmed that I was receive it. She said she would get back to me tomorrow. I did not hear from XXXX  and put a call to her Voicemail yesterday, and still no response.
Complaint sub-issue: Debt is not mine

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called Enhanced Recovery Company. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. Enhanced Recovery Company added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by Enhanced Recovery Company incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, XXXX  XXXX, Equifax XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
Complaint sub-issue: Information is missing that should be on the report

Information is missing from my credit profile, that being a XXXX XXXX in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX XXXX XXXX 
I am also asking XXXX and Equifax to verify XXXX authorized users policy which states : *XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

I am also requesting the missing information be added to my credit profile
Complaint sub-issue: Information belongs to someone else

When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. DISCOVER CARD IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.
Complaint sub-issue: Information belongs to someone else

I have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having a problem with Equifax removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. Equifax is claiming that this statement is there because of XXXX XXXX  XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. Equifax continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my XXXX account with Citibank XXXX XXXX unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affidavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affidavit for a decision to be made in regards to the fraud investigation. I called the Citibank XXXX department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I received the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additional information, and only left a general line to call with questions. 

After submitting several official complaints to Citibank, I received a letter on XX/XX/2022 informing me of their ruling. Citibank once again denied my claim citing that no new information was received or discovered that would change the denial decision. This is again, unacceptable and erroneous, as I have provided my bank statements from XXXX showing that the sum in question was removed from my Checking account on the date specified. I am happy to provide this information again to the proper sources.
Complaint sub-issue: Their investigation did not fix an error on your report

I have found that XXXX XXXX XXXX  have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. In review, I have never signed a HIPPA form authorizing you ( XXXX XXXX XXXX ) to have access to any of my medical records, files or information. Therefore, I am advising EQUIFAX that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. I am also requesting that you remove any and all negative reporting of this matter immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also sent via certified mail to XXXX XXXX XXXX  the same. Letter attached.
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. I researched on how to remove the fraudulent accounts in my report 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 remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Investigation took more than 30 days

account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown INQUIRIES on my credit report according to FCRA 51 USC 1681b ( 3 ) ( a ) I do not have any credit with these companies and have no knowledge of these INQUIRES, and to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those Items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by EQUIFAX DATA BREACH and may have got into the hands of the wrong person
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been a victim of identity theft for years. My wallet was stolen from the airport back in XXXX. As a result accounts were fraudulently opened in my name. I have made several attempts to both the credit bureaus and company. 

XXXX XXXX $ XXXX Discover {$6500.00} XXXX XXXX. Amount unknown. 

Also back in XXXX I had a roommate for college with XXXX XXXX. The company keeps selling the account and putting it back on my credit report as it has already reached the statue of limitations. I should not be responsible for this. 
Account : XXXX  Please help me to get these items removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I could not believe they did a full investigation on the account because it is incorrect.. Equifax keep on saying that XXXX XXXX XXXX is a charge off, they were paid off and was not late..CFPB step up and remove the account asap
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} DISCOVER FIN SVCS LLC Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, CREDCO add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Attempted to collect wrong amount

Hi, I have not knowledge at all of coming into any agreement signed or otherwise with XXXX XXXX XXXX. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by XXXX XXXX XXXX that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my Equifax credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.
Complaint sub-issue: Debt was result of identity theft

Has Discover changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Discover allowed multiple payments in a very short time by thief who then exceeded credit limit.