Johnade/consumer_complaints_cfpb huggingface dataset:
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. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Information belongs to someone else

Inquiries 15 U.S code 1681n XXXX of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The Following Must Be Deleted ASAP!! 

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: Information belongs to someone else

remove all the address not mine attached and accounts
Complaint sub-issue: Account information incorrect

I have wrote the company several times to provide me method of verification on the submitted accounts. They are claiming to verify accounts but are not providing me the feedback I requested in the complaints to support their findings. They are required by law to provide me with the proof they used to verify my accounts, this keeps the creditors and the bureaus honest by only reporting what they can prove and what is provided by the source
Complaint sub-issue: Information belongs to someone else

I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX
Complaint sub-issue: Debt was result of identity theft

SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Complaint sub-issue: Debt is not yours

There is debt in collection from a company that I do n't even know for more  than 800 dol lars. The credit report show the name as AFNI
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially
Complaint sub-issue: Their investigation did not fix an error on your report

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING
Complaint sub-issue: Reporting company used your report improperly

Equifax Fraudulently gave away all of my information without any consent.
Complaint sub-issue: Indicated committed crime not paying

XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.
Complaint sub-issue: Company closed your account

I called Citibank on XXXX/XXXX/2018 to inquire about two outgoing wire transfers that were n't received by a secondary party. The customer service rep told me that Citibank had canceled the transfers and closed my account with no ability to dispute the closure. A few days prior, I had two outgoing wires on hold, and I had to call and confirm them. They asked if I 'd be making more wires in the future, to which I replied yes. The two outgoing wire transfers that were canceled totaled {$19000.00}. The checking account had approximately {$22000.00} in it. According to Citibank, it could take up to 30 days to receive my money, which I need to pay mortgages and other expenses.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Banking errors

I opened an account with Citibank in XXXX, XXXX, in response to an offer of an incentive of {$500.00} to be credited to the account after 60 days. I deposited a total of {$15000.00} as required and the only other requirement was that the account remain open and active during the 60 day period. No withdrawals were made and the account continues to have a balance of {$15000.00}. I have received statements and the {$500.00} has not been credited as of XX/XX/XXXX. I telephoned repeatedly and received no satisfactory response, speaking to " representatives '' from the XXXX on multiple occasions and once a person who said she was located " close to XXXX '' One of the representatives admitted he provided to me a false identity. I was hung up on three separate times, transferred to a " supervisor '' once and then he hung up. I was given an " XXXX  number '' which proved to be inaccurate. In the interim I have attempted to access the account with the password and security word established ( which I wrote down upon starting the account ) and the account is locked with no ability to reset the pw and security word. Citibank says I must maintain the account and it must be active at the time the credit is made for the incentive, and accordingly I can not close the account, or I will lose the incentive earned. Accordingly I have lost the use of the funds indefinitely. In the first conversation with a Citibank " representative '' I was provided with a code XXXX and assured that the matter would be " resolved '' within 7 days. Instead, more than a week later, on XX/XX/XXXX, I received an item of form correspondence acknowledging my " inquiry '' regarding my account and it stated they are " in the process of completing our review. '' I telephoned on XX/XX/XXXX, after receiving no further response, and I was advised that the record indicated the complaint, but it had not been resolved. No information was provided as to when and how it would be " resolved '' and I was told I could file " another complaint ''. I asked what that would accomplish and ultimately the person disconnected. The conduct of the bank is clearly conversion and consumer fraud. They have my money, refuse to credit my account, locked the account preventing my access and accordingly they are very simply thieves. How does this international criminal bank continue in existence? I am aware of the innumerable similar complaints. What is the CFPB doing about it? Any fines? Any court actions? How can this be resolved? I want my money, and I want additional compensation for the time my account has been held from me without the ability to invest it or obtain interest income.
Complaint sub-issue: Information belongs to someone else

The following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED
Complaint sub-issue: Debt was result of identity theft

A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.
Complaint sub-issue: Problem using a debit or ATM card

Citibank blocked access to my debit card from XXXX. 
As an XXXX  American dependent on my XXXX XXXX income, loss of access to my funds caused me great distress and anxiety. Furthermore, Citibank did not release funds to pay a bill. My debit account was blocked. 

The potential for harm came because I was on vacation, away from home, by myself when the account was locked. 

There weren't any branches anywhere near my location, at the time, California. Phone calls with Supervisors were fruitless. 

Citibank did send another debit card to my home address however, I was not anywhere near there.
Complaint sub-issue: Can't use card to make purchases

I received a new business credit card. Before I received it, Citi left a voice mail about a fraud concern. I twice tried to call, but I was on hold for too long. ( I work for a living! ) After receiving the card, I have attempted to activate it but the website directs me to call " to protect [ my ] account. '' As I am writing this, I have been on hold over XXXX minutes.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a public reporting with XXXX  and Equifax which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to XXXX  and Equifax for them to review and update my file and delete their public reporting to match XXXX XXXX. XXXX  and Equifax refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. XXXX XXXX update reporting came to me on XX/XX/2020 XXXX   responded to my dispute with no investigation XX/XX/2020 and Equifax response is dated XX/XX/2020.
Complaint sub-issue: Frequent or repeated calls

I have a new phone number for about one year. This Hunter Warfirld collection company is looking for someone else, not me. They call 3-4 times per day, always a different phone number leaving multiple messages. No one ekso can leave a message, they fill my box.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a Sallie Mae credit card. I am in a debt collection program. The credit card company is calling my parents ( who are not on my credit card ) trying to locate me. This is inappropriate to reach out to family members who are not on my credit application. When I confronted the Sallie Mae representative, they replied " We wanted to make you respond ''
Complaint sub-issue: Information belongs to someone else

Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts
Complaint sub-issue: Debt was paid

I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.
Complaint sub-issue: Problem with fees

I have a PNC credit card with a {$250000.00} limit with autopay turned on to pay the full balance every month before the due date. This last month the balance was over {$100000.00} however their online system only allows a payment up to {$99000.00}. This required a second manual payment to be made. Of course I find out about this after the due date. PNC then charged me {$2800.00} finance fee and a {$49.00} late fee. I spent 1 hour on hold with them, and as of yet they have not refunded the money. I would like my money refunded.

I also believe that there is fraud going on with PNC and their autopay system. How can you give me a {$250000.00} limit and then set me up on autopay, but not accept autopayments over {$99000.00}? When I called, the manager said that I could have made an additional manual payment over the phone or mailed it, that seems silly to me when I have autopay already set up. How can a bank like PNC not have a payment system set up or larger payments? 

I attached the statement for you to see. ( They also charged me interest on the whole amount, even though the majority of the balance was paid on time )
Complaint sub-issue: Debt is not yours

Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX   was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX   years old and had been in a XXXX XXXX. She then XXXX XXXX   from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX   and there were No assets.

The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization.

This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX  from a XXXX. Her second one shortly after reading letters from PNC.

We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.
Complaint sub-issue: Old information reappears or never goes away

In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. I need the account corrected now! 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Equifax bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. 
Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. 
The Bureau responded that " Consumer 's dispute not specific. Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''?

instead the company 'updated ' information which caused my credit score to go from XXXX   to XXXX  this is illegal.

Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and  mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Banking errors

In XX/XX/XXXX I requested a {$20000.00} distribution from my IRA at Ally Bank. The check was lost in the mail, and it took over a month for me to get the replacement funds. I complained then about how poorly that entire process was handled by the bank. 
Now, on XX/XX/XXXX, I received my 1099-R Tax Form for this transaction. This transaction was incorrectly coded as an " early distribution '' on that form. In Box 7 of that form, a Code 1 was used, which designates an " early distribution ''. An " early distribution '' results in an IRS tax penalty of {$2000.00}. This was not an " early distribution ''. I am well past the age of XXXX and 1/2 which is used to determine an " early distribution ''. The correct code should have been 7. I had another IRA distribution from Ally during XXXX and for that they did the 1099-R correctly and it shows a code 7. On XX/XX/XXXX I called Ally and forwarded them copies of the 1099-R 's to point out this error. As of today XX/XX/XXXX, I have no resolution. I have contacted them several times, begging, as I am waiting only for this item to be corrected so I can file my Income Tax return. The responses are generally the same, " still being researched '', wait 1-2 more days, etc ... .. I believe I am being intentionally punished with this error due to my previous complaint about the stop pymt.