Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Equifax Incorrect Names : XXXX XXXX XXXX Equifax Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached
Complaint sub-issue: Can't close your account

Bill sent to us by CitiBank/XXXX during the month of XX/XX/XXXX9 ( Reference : XXXX ) There are a number of suspicious circumstances about this bill. 
1. The account was paid up and closed down in early XX/XX/XXXX. The account was on autopay. There was never an outstanding balance from previous months. 
2. The cards ending XXXX and XXXX were both cancelled in early XX/XX/XXXX and could not be used. 
3. There is no itemization of the purchases that motivate this new balance. 
4. The balance of {$4700.00} is unusually high. Our bills were usually half that amount or less. 
5. We received no bills for this account XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. This bill is said to cover expenses in XX/XX/XXXX. 

We have tried to contact billing at CitiBank regarding this issue. A weakness in the billing processes at CitiBank is being exploited we suspect intentionally. Instead of talking with us the bill has been sent on to the collection agency XXXX XXXX XXXX XXXX. 
Either someone in billing at CitiBank made a mistake or is attempting to fraudulently exploit a family in mourning. 
We are reporting this crime to both the police and the Federal Trade Commission.
Complaint sub-issue: Information is not mine

I disputed a collections account on my XXXX credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. Equifax is also reporting this account, but on my Equifax report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that XXXX has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called XXXX last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XX/XX/XXXX. Please help. This is extremely urgent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and 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: 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  Account # XXXX, -- -- -XXXX XXXX XXXXXXXX Account XXXX XXXX, -- -- - XXXX 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 : 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 XXXX XXXX XXXX Account # 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: Old information reappears or never goes away

In 2017 Equifax was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, Equifax, XXXX and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of Equifax having the data breach my personal information back was used and my credit destroyed. Equifax ruined me life and continues to do so. who governs this?
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Receive a notice of unpaid electronic fund transfer from Trs recovery services They are charging me {$50.00} for each notice Which Ive never ever seen this in my life or heard of telecheck services They wrote The above electronic fund transfer was returned by your financial institution unpaid. Telecheck services ( telecheck ) now owns this dishonored eft and has placed the debt with Trs recovery services ( Trs ) for collection .telecheck has also entered information regarding this debt into its nationwide database, as a result until this item is resolved I literally dont understand what they are talking about and I may need help with this
Complaint sub-issue: Was not notified of investigation status or results

I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. mishandled personal information including my name, social security number, birthdate, address, and driver 's license number. I verified my data were affected by using the Equifax website at www.equifaxsecurity2017.com ( screenshot attached ).
Equifax Inc. has put me and millions of others at increased risk of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on EQUIFAX response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Complaint sub-issue: Account status

A credit collection company forgave some debt. I received XXXX XXXX 's in the mail. The credit collection company is still reporting the balance before the forgiveness. I sent copies of the XXXX 's to Equifax and they are refusing to change the balance on these accounts.
Complaint sub-issue: Problem using a debit or ATM card

XXXX  {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 I noticed three very large charges on my XXXX XXXX XXXX XXXX Upgrade Checking Account that I didnt make. As a former and current victim of identity theft I obviously became very alarmed. I notified Upgrade and went through the dispute process. I was informed the money for the large charges would be back in my account within 10 days. I let XXXX XXXX XXXX know that Id been a victim of identity theft recently with someone attempting to file a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. 

I tried to get in touch with this XXXX. And the only one I could find was one that didnt have a phone number and had many class-action lawsuits filed against them. 

I finally received a letter from XXXX XXXXXXXX XXXX saying my dispute was denied. I was shocked and very upset. I called and they said the reason was whoever made the charge had some of my personal information. I again explained my identity theft situation but it fell on deaf ears. They were very cold and unhelpful.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reinserted previously deleted info

XXXX was previously deleted due to fraud and now has been reinserted back to my Equifax credit file under a new account number but has the exact same account details. I have my credit report showing account deleted and now reinserted back to my file without any notification. Please remove from my file.
Complaint sub-issue: Account status incorrect

When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

XXXX and Equifax have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - XXXX REPORTED {$6700.00}
Complaint sub-issue: Reporting company used your report improperly

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXXnquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX- - ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXXXXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX  No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - Thank you
Complaint sub-issue: Investigation took more than 30 days

I contacted Equifax on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On or about XX/XX/2018 I received a call from Citibank d/b/a SearsCard that there were a suspicious attempt to charge my card at a Dollar Store in South Carolina. I told Citibank that it was fraud because I was never in South Carolina and had my credit card here in Ohio. Citibank told me that it would cancel my card and issue me a new card. Citibank did not tell me that there were earlier fraudulent charges also made in Souh Carolina. Because Citibank closed my account, I could not access my online statement or account information. Citibank told me that my balance was {$130.00} c and that I should pay it to avoid late fees. I paid it quickly on XX/XX/XXXX. Subsequently, when inquiring how that balance was calculated, I learned that there were three identical charges made in South Carolina for XXXX XXXX  totalling {$80.00}. Citibank knew that these we were fraudulent charges, too, but kept that information from me. I repeatedly called Citibank to dispute those charges, but each time a heavily accented female based in the XXXX demanded to know my checking account information, I do not have a checking account with Citibank, and told them so. Citibank a dozen times refused to accept my dispute. It appears that the XXXX were illegally trying to get my personal banking information totally unrelated to my credit card. And, twice Citibank told me that the new card was sent to the fraudster XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX SC XXXX because someone changed my account data to her name and address. Utter stupidity by Citibank! To date, I have neither received a new card, nor refunded the {$80.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

TO WHOM IT MAY CONCERN, XX/XX/XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf ofXX/XX/XXXX nor do I know who XX/XX/XXXXXX/XX/XXXX Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).