Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

My XXXX  credit report shows that there is and Citicards CBNA account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.
Complaint sub-issue: Account information incorrect

As I checked my three credit reports from annualcreditreport.com, on XX/XX/202XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and XXXX and not with Equifax. I'm requesting that this inaccuracy be deleted from XXXX and XXXX credit reports.
Complaint sub-issue: Deposits and withdrawals

I was transferring some fund from my checking account to XXXX pay and PNC did not allow me to do so even after I was asked to sign in my account with a two step verification.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 an account with Jefferson Capital System was opened fraudulently with a balance of {$810.00}. I did not open this account. The account is now in collections. I have tried to reach out to the company, as well as, the credit bureaus and have had no luck in getting this issue resolved.
Complaint sub-issue: Company closed your account

First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.
Complaint sub-issue: Their investigation did not fix an error on your report

NOT A DUPLICATE COMPLAINT. This is in response to recent mail dated XX/XX/XXXX and received XX/XX/XXXX. Equifax has been ignoring my disputes, which is an FCRA violation. I know this because I have been disputing incorrect, conflicting information on accounts and violations on accounts ; YET, Equifax keeps sending me " results '' stating this item belongs to you. Since I've just disputed the fact that a collection account is ILLEGALLY REPORTING A PAST DUE and all you send me is the same generic 'we 've verified that this account belongs to you ' message, that makes no sense whatsoever! Furthermore, please tell me how this same account reports a " date of first delinquency '' in XX/XX/XXXX, TWO YEARS  BEFORE THE ACCOUNT REPORTS TO BE OPENED ON XX/XX/XXXX and not one human being deletes this account for such a blatant violation! The other two accounts I'm disputing have TWO DIFFERENT, CONFLICTING " ACCOUNT OPEN '' DATES ; yet, for these two accounts as well, I got the very same generic " ... this item belongs to you '' message when that isn't even what I was disputing! Equifax has proven that it has not read nor properly settled my disputes! I called a day ago and spoke with a rep who even stated to me that they send the creditors alerts to do an investigation. THAT is what Equifax considers to be their own investigation, which is no investigation at all! Look up the call record on my file! To help you all find it, I even submitted a dispute into false and extremely outdated addresses on that same call. I've attached the disputed accounts, as well as my ID & SS card in a document. PLEASE EXPEDITE THIS DISPUTE.
Complaint sub-issue: Public record information inaccurate

I discovered all XXXX and Equifax were reporting I filed bankruptcy in 2015 after applying for a car loan. I spoke with XXXX, and the agent check my address and driver license did not match and removed the incorrect information. However Equifax did not remove or properly investigated the issue. Equifax would have discover the information was incorrect.
Complaint sub-issue: Account status incorrect

I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.
Complaint sub-issue: Debt is not yours

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and seems to be a duplicate of Account # XXXX and the collection agency was not able to verify it.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX charged the card on XX/XX/12. I disputed the charged and was refunded by Citi. On XX/XX/12 and XX/XX/12 I was charged again. I do not have a XXXX XXXX account. I tried to dispute the XX/XX/12 and XX/XX/12 charge and was told by Citi since I was charged more than one month that I couldnt dispute the charge.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/XXXX, a counterfeit Visa debit pay card was used to withdraw {$980.00} from my account. The following is a timeline of account activity on that day as well as communication between myself and the XXXX XXXX customer service people. 

XX/XX/XXXX XXXX XXXX  : Online purchase of XXXX XXXX from XXXX using home computer XXXX XXXX  : Withdrawal of {$200.00} from XXXX ATM in XXXX, CA ( 50 miles away ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$180.00} ( same location ) At approximately XXXX XXXX  of the same day, I attempted to use my card to purchase food at XXXX XXXX XXXX restaurant, located at XXXX XXXX XXXX, XXXX XXXX CA XXXX ( approx. 6 blocks from my home ) The card was declined. Thinking it was their card reader that was malfunctioning, I went to use an ATM machine at the XXXX store next door to withdraw cash, but the card was declined again. At this point I called XXXX XXXX 

XXXX XXXX : Called XXXX XXXX and after reviewing last 5 transactions, disputed the withdrawals and cancelled the card. Was told by customer service rep investigation would be made, taking at least 45 but no more than 90 days before money would be replaced in my account. 

XX/XX/XXXX XXXX XXXX  : Called XXXX XXXX  to inquire about investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Received letter dated XX/XX/XXXX from XXXX XXXX stating investigation completed and no error occurred. Called them and was told to send email to ADP to reopen investigation. 
XX/XX/XXXX XXXX XXXX : Emailed ADP as instructed to reopen investigation. 

XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told there's no record of it being reopened, etc, etc. After explaining several times and providing date and time of email I sent, investigation was NOW officially reopened. 
XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX  : Called inquiring about progress of reopened investigation, was once again told they had no record of the investigation being reopened (! ) Here we go again. After about 10 minutes, the CSR was finally able to find that it HAD been reopened, but there was no info on its progress. I asked for a record of dates and times of calls from me to XXXX XXXX, and the CSR gave them to me. 
( wouldn't give me the names of who I spoke with each time though )
Complaint sub-issue: Old information reappears or never goes away

XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.
Complaint sub-issue: Can't close your account

XX/XX/XXXX I was issued a new Citi Thank You card. I have other citi cards that I've held for close to a decade. 
XX/XX/XXXX I tried to use the card and it was declined. When I called Citi to find out why I was told I needed to fill out more paperwork to prove my identity, even though I already have other cards with Citi. 
XX/XX/XXXX I received the paperwork, filled it out and returned it. 
XX/XX/XXXX I called to check status and was told i needed to fill out and send more paperwork to prove I was who i said i was. I had enough and asked to cancel the card, and i was told I COULDN'T CANCEL THE CARD UNTIL I FILLED OUT MORE PAPERWORK. I refused and asked for a supervisor, who i was told would call me back. They never did XXXX I called once again to cancel the card and again was told that I couldn't until i sent back more paperwork, which I will not be sending back. I simply want the card cancelled. All of my cards with Citi.
Complaint sub-issue: Information belongs to someone else

When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.
Complaint sub-issue: Information belongs to someone else

I lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX XXXX and the accounts that are reporting in my credit report. See the documents i'm attaching letter, ftc and my id 's to help you regarding this investigation.
Complaint sub-issue: Public record

Equifax is reporting erroneous information in my credit file regarding a Bankruptcy from 2011. I have tried without much success to have Equifax remove the bankruptcy that is associated with my name and credit file. The latest result was a " confirmation '' that the information was indeed mine after the company " verified '' their information through XXXX. After speaking with an Equifax representative, it has come to my attention that the reporting agency makes use of third party reporting agencies. How Equifax came to their conclusion is dishonest and this makes what they are reporting invalid. I know for a fact that the court systems to not verify public records with the credit bureaus or third party reporting agencies. Equifax is using their insistence on their information being correct to ruin me and my credit file.
Complaint sub-issue: Information belongs to someone else

I have contacted the merchant multiple times in attempt to have this fraudulent account removed. I have disputed the account with all credit reporting agencies as well as provided an identity theft report.
Complaint sub-issue: Account status incorrect

My Discover Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. Discover Student Loan is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and Discover is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!
Complaint sub-issue: Information belongs to someone else

I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The BBB and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

Several weeks ago I contacted the XXXX XXXX XXXX XXXX company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
Complaint sub-issue: Company closed your account

According to XXXX XXXX my BB card was closed on XX/XX/2020 but I was using it as late as XX/XX/2020 and made a payment on XX/XX/2020. Their website did not show a closed status. Then on XX/XX/2020 a creditor attempted to pull their payment and it was denied. I was never notified of anything except on their website. No email notices of anything. They stated length of time accounts open some of my accounts have been opened for 5 plus years. I have a fairly decent payment history. They also stated that my score was only XXXX which doesn't make any since.
Complaint sub-issue: Account information incorrect

Equifax On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I Equifax you to investigate items that I believed were reporting not 100 percent accurate on my credit report. The following account was in dispute : 1. Collection Account : XXXX XXXX Account # XXXX According to the comment section of my credit report this account was charged off on XX/XX/XXXX. However, the payment section of this account is reporting this account was charged off on XX/XX/XXXX. There is no way this one account can be charged off on two different dates in two different years. Please verify you are reporting 100 % accurate information if not please delete this account from my credit report. In addition, the IRS defines a Charge off as a debt that is forgiven or discharged for less than the full amount you owe. According to the IRS website, charged off debt or a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation. I have never received a Form 1099-C, Cancellation of Debt, or any other forms stating that this debt is charged off.

In addition, Equifax is still reporting addresses on my credit report that are undeliverable to me by the United States post office : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC
Complaint sub-issue: Didn't receive notice of right to dispute

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

My father and I have the same name. My father settled the account of {$1200.00}, XXXX XXXX CREDIT CARD sent the confirmation to me on XX/XX/XXXX. I gave the information to Equifax and did a dispute. I supplied them with the confirmation of the payoff. The dispute was filed on XX/XX/XXXX. It was completed on XX/XX/XXXX. Equifax did not do anything. I want this removed from my credit report because it is causing me financial and mental harm. I am a XXXX veteran and this is very stressful.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( ( Original XXXX CREDIT XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On several occasions I've been trying to resolve the issue with XXXX 's XXXX they have a phone number on file that does not belong to me or my business not in the past and not currently. I went through the dispute process that took over 90 days and they concluded that the information was verified and accurate. Even though I told them numerous occasions that the number does not belong to me or my business they claim it's verified. XXXX XXXX refuses to remove the phone number that does not belong to my business which causes me to get credit denied by banks because they can't verify my phone number that XXXX XXXX has as inaccurate information.
Complaint sub-issue: Collected or attempted to collect exempt funds

NATIONAL RECOVERY XXXX started reporting a XXXX XXXX debt account XXXX on my reports with out sending me a debt collection letter now they must remove the account off my credit reports because they can not collect on exempt funds nor can they report a collection on exempt funds by reporting a debt that is exempt from debt collection is considered continuous collection on exempt funds which violates the exempt income protection act they must delete this account or be sued for continuous collection on exempt funds
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021
Complaint sub-issue: Received bad information about my loan

I had all my student loan information and online login registered to an employer email and phone number at the time. I had changed employers and was not receiving any of the calls or emails regarding my account. once I realized I did some research and called in to get things taken care of. when I spoke to the loan company I was told if I put my account on a forbearance it would bring my account current and not report any late to the credit bureau. now on my credit report it reports as 120 days late and causing me to not be able to get the mortgage loan I need to provide a home for my family. I called the loan company again to complain about this and they tell me there is nothing that can be done. I spoke to the credit assessment department and a loan manager. everyone says that I was 120 days late and I never was. my account has since been pain in full and still no one will adjust the issue.
Complaint sub-issue: Sent card you never applied for

I received a US Bank Reliacard for which I did not apply on XX/XX/XXXX XXXX.They have cancelled the card at my request. I have placed fraud alerts on my credit reports and frozen my credit.