Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Around the beginning of 2022 I started getting letters from CitiBank claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called CitiBank directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as CitiBank and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm sending pictures of two of the many letters I've received.
Complaint sub-issue: Application denied

I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I do?
Complaint sub-issue: Their investigation did not fix an error on your report

I sent several complaints about late payments reporting inaccurately, to EQUIFAX, XXXX, AND XXXX  I was never late. 
1.ALLEY XXXX  , ACCOUNT # XXXX is reporting a 30 day late payment for the month of XXXX After obtaining my payment record from my online account, it clearly shows no late payments. XXXX please see exhibit XXXX ) XXXX XXXX ACCOUNT # XXXX I have contacted XXXX XXXX XXXX by phone and via mail, stating I was never late as reported on XX/XX/XXXX and XX/XX/XXXX I requested a record of payment from the first reported late payment, I was told they don't go back that far, so how can the account be verified? this doesn't seem right
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX- Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Not given enough info to verify debt

Before I begin with the issues, I do want to make reference that the name that they have the debt under for me is my prior married name, XXXX XXXX, not XXXX XXXX. 

There are multiple issues with this debt collector. The first is that they are unwilling to provide me with verification and validation of the debt. The only documentation that they can provide is a letter from themselves stating the balance that I owe. I do not remember taking out the debt and they can not provide me with contact information for the company that they are attempting to collect he debt for so that I can validate that it is legitimate. They will not provide me with the date that the loan was originated so that I can verify that funds went into my bank and confirm who the loan was taking out with. They can not give me the original contract for the debt that I signed. They ca n't confirm anything. 

The second complaint, is that they call themselves a mediation firm and the collectors that answer the phone reference themselves as Inspectors as though they are part of law enforcement. Specifically XXXX XXXX XXXX XXXX x XXXX. I have been receiving phone calls now since prior the middle of XXXX, where after I request documentation or to speak with someone higher up, they hang the phone up on me. I have been told that I am going to go to jail if I do not pay the debt owed. Since I am not complying, court paperwork has been filed and that I will be served paperwork to show up in court. They have told me over and over that since I did not take the offer provided and make good on the debt that I owe through our conversation that I was being pursued for Fraud and some sort of Money Evasion, I can not remember the legal term that they used. 

Third, they claimed that they traced the IP address that I took the loan from and were able to validate the home address where I took the loan from. However, they could not validate the date that the debt was originated. I do believe that tracking someone 's IP address down is illegal unless you are law enforcement. 

Fourth, I am being contacted by a process server company that is trying to obtain my personal information in order to serve me with paperwork. The same process server is calling my family claiming to be with CHILD SERVICES and they desperately need to get in touch with me in regards to my children and need my home address. Their tactics are fowl.
Complaint sub-issue: Debt was paid

THE US DEDPARTMENT OF EDUCATION - Great Lakes Higher Education is reporting to credit bureaus while, these companies continue to ignore all proof of claims regarding a dispute for over 2 months and with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. And an immediate removal of these inaccurate debts. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to delete unverified information from my credit report.
Complaint sub-issue: Information belongs to someone else

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX 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. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... XXXX XXXXXXXX XXXXs 4.XXXX XXXX  .... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by Equifax, for account number XXXX XXXX  XXXX Cardwor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.
Complaint sub-issue: Information belongs to someone else

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and Equfax Data Breaches. I was given an settlement claim number along free credit reports for 7 years but have unable to due to Equifax system being lo locked up. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. In accordance with FRCA evryything must be accurate. My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX $ XXXX am requesting these accounts to be deleted for they are not mine! 
15 U.S.C 1681 ( a ) Everything must be correct and accurate. Equifax have violated my rights by not verifying and instead of deleting, they fraudulantly said it ; XXXX verified when XXXX and XXXX have deleted the acccount due to having the wrong social security and date of birth on fraudualnt account! 
Remove this account or I will be forced to sue for unfair and inaccurate reporting on credit report.
Complaint sub-issue: Account status incorrect

I called XXXX XXXX a week ago, XX/XX/XXXX, and somehow got through to speak to a live person, which today I have not been able to do. I sold a home in XXXX, and they are showing the mortgage as Open with a zero balance. I am trying to rent a Section 8 senior apartment, and HUD is accusing me of misrepresenting my assets and potential liabilities, which is holding up the entire application. This is the letter I sent to them this morning through their contact page. Please help.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 Credit Plus XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX XXXX and XXXX that I would like removed from all of these bureaus
Complaint sub-issue: Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I believe it was reporting in error.
Complaint sub-issue: Information belongs to someone else

The are reporting a collection account with XXXX XXXX bank in the amount of {$19000.00} on my Equifax and XXXX  credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Complaint sub-issue: Cashing a check

This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX  XXXX XXXX aka XXXX and Discover Bank XXXX! Not only did they steal {$25.00} fraudulently from my Discover checking account under the name of XXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXX XXXX XXXX XXXX, presented it a second time, then a week later XXXX steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and Discover Bank!!! They told the CFPB they did not receive this fee and had resolved all on their end, LIARS AND THIEVES!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank Discover Bank which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from XXXX showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by Discover or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! Shut these crooks down!!!
Complaint sub-issue: Account status incorrect

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, Equifax, and XXXX.
Complaint sub-issue: Account information incorrect

On my credit report it is showing that the last payment made on the XXXX  XXXX XXXX account that is reporting on my credit report was made on XX/XX/2021. This is inaccurate. The Fair Credit reporting Act clearly states that all information on a person 's credit report should be XXXX percent accurate. I did not make a payment on this account on XX/XX/2021.
Complaint sub-issue: Account information incorrect

In XX/XX/2022 I called Mohela and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. 
I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Equifax credit score dropped 40 points and I m in the middle of refinancing.I have a equity line with XXXX bank and I have paid them since I took it out.For the month of XXXX and XXXX it was paid past the due date however I did talk to XXXX XXXX First Vice President, Loss Mitigation Lending Compliance NMLS ID # XXXX and let him know there was some financial issues I was going through.I understand about the recent payments but i have done my very best to have it current despite the pandemic cutting our income by half.I talked to XXXX bank about it.I haven't even elected to defer or skip mortgages and paying every month.I need XXXX bank to send Equifax information showing that the payment is paid and the account is in current status otherwise I will not be able to refinance because of the derogatory remarks.I contacted them directly and no one even knew what I was talking about instead I got a statement from XXXX XXXXVice President, Branch Manager Direct XXXX showing a payment history.This account has been open since XX/XX/2017. 
Im not past due, I havent failed to pay a single payment, Im not in default I dont understand.I have contacted Equifax they need that information from hills bank showing its current for them to update the score.
Complaint sub-issue: Information belongs to someone else

I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so ignorant they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need help.
Complaint sub-issue: Problem using a debit or ATM card

USB Customer XXXX XXXX XXXX ( USB Acct # ending XXXX ), noticed an unauthorized withdrawal made on XX/XX/XXXX at the US Bank XXXX XXXX XXXX ATM XXXX at XXXX in the amount of {$400.00}. Given the recent establishment of this account, Her age of almost 80 years, her aged health, her previous withdraw history/pattern on this account, and the excessive amount withdrawn at one-time, we took immediate action to file a claim with USB branch for fraud. 
On XX/XX/XXXX, after consulting with USB Rep, XXXX XXXX XXXX NML # XXXX, it was determined that the XXXX XXXX XXXX file a " Report of Alleged Fraudulent Activity '' and submit a " Declaration of Unauthorized ATM/Debit Card Statement '' submitted under Fraud Claim No. XXXX and to also have a new debit card and PIN issued. 
However, on XX/XX/XXXX to our dismay/surprise, we were informed that her claim was denied due to conflicting documentation to support the unauthorized transaction. 
On XX/XX/XXXX as per Ref ID # XXXX, WE exercised our right to request the documentation USB relied upon to make their determination and requested further video/pictures of XXXX XXXX XXXX withdrawing the unusual amount of {$400.00}. 
To date, we have not been provided with any substantiated documentation, videos, pictures of her making the withdrawal, or follow-up to our reference inquiry. The {$400.00} previously redeposited after the claim was filed has been subsequently expunged from her account and the funds have not been redeposited into her account. 
We have made several verbal request via cust. service at XXXX over the last 60 days for further follow-up but to no avail. For an Senior Citizen on a fixed  income, this is a huge financial burden to bare. 
We are requesting that the CFPB engage USB on our behalf and request tangible documentation and/or video that substantiates their claim not to redeposit the unauthorized funds of {$400.00} into the account of XXXX XXXX XXXX. Thank-you. 

XXXX XXXX, Son of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The unverified items 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 items to be deleted ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect