Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I 'm divorced and should n't be on a Discover credit card account that my ex-husband opened before we were married. He made me an authorized user, but took over the debt in our divorce ( this is in our divorce decree ). 

How can I remove this from my report? Thank you!
Complaint sub-issue: Cashing a check

With a balance of {$15000.00} that had been an available balance for over five months, I wrote a check for {$5200.00} and they declined to release the funds. I was charged service fees for insufficient funds. Upon contacting me, they initially claimed the account was not authorized for check writing, to which I pointed out they had issued me a checkbook and ATM card. CITI agreed it was intact a checking account but it was ineligible for withdrawal as it was recently opened. I pointed out that I had maintained a {$15000.00} balance for six months. They never provided a satisfactory answer to why my check was not honored and proceeded to spend the rest of the phone call insisting I could not close my account and have my funds returned to me. When I opened the account in XX/XX/XXXX, they attempted to take the initial {$15000.00} deposit THREE times from my XXXX XXXX account for a total of {$45000.00}. It took hours with myself and XXXX on a call to resolve the issue -- CITI never gave an answer or admitted overdrawing my account and ultimately XXXX has to put a hold on their account to prevent further raiding of my funds. Their practices are a violation and their conduct and accountbility nonexistent.
Complaint sub-issue: Received unwanted marketing or advertising

I am constantly receiving SMS text claiming to be from a variety of different things including Equifax, something supposedly from FDIC and other fraudulent text that have links associated with them. I do not click on them. I have reported them to my provider XXXX multiple times and they just keep coming. I recently had a fraudulent charge made to my bank account for only XXXX and I reported it and canceled my credit card etc. However I am concerned that even though I block these text messages, they just create a new msg and use a different phone number. However these scams all have something in common. They send a link which would redirect my phone or download something if I clicked on it. When I do a reverse phone number background check from the perpetrator it is never a legitimate phone number associated with the company they are purporting to be. How do I make this stop and assure my safety from these scams?
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Information is not mine

The information on my credit report for all XXXX credit bureaus is not mine. The name, and date of birth do not match mine. The accounts were opened before i was even XXXX years old. I just turned XXXX and all of this is affecting me because i am a XXXX and because of the false information of my credit report i ca n't get a credit card, i ca n't apply for student loans, get a car, or even rent an apartment to live in.
Complaint sub-issue: Information belongs to someone else

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report 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. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis claims they cant send me my results due to not being able to verify my identity. This is my second attempt to verify my identity. I would like for them to immediately send their method of Verification on how they verified the inaccurate reporting of bankruptcy
Complaint sub-issue: Account terms

Equifax has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX XXXX XXXX is being reported by Equifax as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by Equifax as charged off, Potentially negative this is not my debt. 
4. Inquiries on my report were unauthorized : Power Pay, XXXX XXXX, XXXX, XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX we traveled to the XXXX XXXX for vacation. While there, our CitiCard/CitiBank credit card was used against our will ; we were detained by a manager of a resort who used our card to process a payment for the entire resort stay, even though it had been prepaid in advance. We were held against our will for several hours, missed our flight back to the XXXX and were threated with being arrested if we didn't allow the manager to process the credit card with the fraudulent charge. The card was charged, and we were released. As soon as I was in a van heading to the airport I contacted CITI to advise we had been blackmailed and forced to use the card. Citibank said they would look into it, but eventually said they would not reverse the fraudulent charge. We advised Citi we were not going to pay for a fraudulent charge, and that this was covered under the terms of our credit agreement with them. 

A few months later, I lost my job when my employer closed their business. I contacted all of my creditors to make payment arrangement, including Citi. All other creditors agreed to close my account, stop interest accrual and accept payments for the balance. Citi refused to make any concession and because they refused to remove any of the fraudulent charges made in the XXXX I decided to use my limited resources to pay the creditors who were trying to work with me. 

Since the beginning of XXXX I've been working full time, and my income has increased substantially over the years. I have attempted several times to contact Citi to try to negotiate payment of the charge off, but they do not have the account and can not provide me with any information about who the account has been sold to. They continue to report the CO on my credit under their own name, with no information about who owns the debt. This is negatively impacting my credit and my business.
Complaint sub-issue: Account status incorrect

Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification. 
Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. Equifax, XXXX, & XXXX   should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Complaint sub-issue: Information belongs to someone else

These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you
Complaint sub-issue: Account status incorrect

Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the XXXX XXXX XXXX I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit
Complaint sub-issue: Public record

Equifax refuses to remove a cancelled judgment from my report. I am including a copy showing this judgment has been cancelled. Every other credit bureau has removed the judgment. Equifax however always thinks they can damage someones credit at their own free will.
Complaint sub-issue: Information belongs to someone else

XXXXm a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both Equifax & XXXX they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC report
Complaint sub-issue: Reporting company used your report improperly

To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide
Complaint sub-issue: Investigation took more than 30 days

Over three months ago, I sent a letter to Equifax, asking the to investigate errors on my credit report. I have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

I recently applied for a credit card with discover and was denied under the guise that I previously held an account with a XXXX limit. I have never had a discover card.
Complaint sub-issue: Didn't receive notice of right to dispute

There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file.

Please help Plus Four XXXX {$15.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done
Complaint sub-issue: Problem with rewards from credit card

I booked round trip international flights with my Citi XXXX  points on XX/XX/XXXX on Citi 's website ( XXXX ) for two passengers, using 102,100 XXXX  points in total. The flight was later cancelled by airlines due to covid. I waited till XX/XX/XXXX but still didn't received my points refunded back, or any communications regarding this. So I called their custom services on XX/XX/XXXX and they said they initiated refund and expected 20 days to arrive to my account. But I didn't receive anything since then. I called them again on XX/XX/XXXX, and was told the previous refund didn't go through and they had to initiate another refund, and it would take one or two billing cycles to go through. Now it's already XX/XX/XXXX, but I am still waiting for their refund.
Complaint sub-issue: Billing dispute for services

I have disputed a collection from XXXX and XXXX and a collection from XXXX that appear on my credit reports numerous times for Identity Theft. I have a notation on my credit reports that this occurred. I found out from a previous employer that someone had been using my full identity for many months and had gone as far as filing an unemployment claim with the state of Illinois against my employer. The State of Illinois investigated and found that this was indeed Identity Theft. At that time, they advised that they had handled the issue, notated my records and I did not need to file a report with the local police. Since then, I have found out through my credit reports that that there were multiple loans and credit cards taken out around this same time using my stolen drivers license, social security card, and employer information and most of them were investigated and found to be due to Identity Theft and removed. However, these two continue to remain. Attached is a copy of the fraudulent unemployment claim that spanned from XXXX through XXXX. Please help.
Complaint sub-issue: Reporting company used your report improperly

Equifax Mortgage Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ conducted a Hard Inquiry into my credit report on or about XX/XX/2018. I have no knowledge of who this company is and what's the nature of their business, but more importantly, I did not requested and or authorized them to access my credit report.
Complaint sub-issue: Transaction was not authorized

My debit card was charged 6 times in an interval of 2 days by a company Called XXXX XXXX for around XXXX dollars it was a online charge done in the middle of the night i reported to Citibank on the same day and they hace done nothing about it and they even charged me an overdrawn fee.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

XXXX, EQUIFAX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQIFAX, XXXX AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX OH XXXX To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also HUNTER WARFIELD failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 HUNTER WARFIELD failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If HUNTER WARFIELD even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
Complaint sub-issue: Account information incorrect

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late  because I was not
Complaint sub-issue: Information belongs to someone else

After multiple attempts to dispute an account that was previously removed by Equifax due fraudulent activity Equifax has continuously denied me my legal right under the Fair Credit Report Act section 605b and section 611 by not blocking the fraudulent account : XXXX XXXX. Not only have denied me my right as a victim of identity theft, they have not giving me any justification other that they have received electronic verification from the aforementioned lender, the FCRA states that I am entitled to full disclosure from the credit reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXXXXXX XXXX XXXX  Account Number:XXXX XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXt XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX
Complaint sub-issue: Confusing or misleading advertising or marketing

I received a mailer from open road lending  on XX/XX/2018 that says they will lower my interest rate from 6.9 % to 3.5 % on my auto loan. It says my eligibility criteria is because i have good credit. I filled out the online form on XX/XX/2018 and got a text saying I was pre approved within a few minutes. 

When I called they ran my credit to several lenders and told be my rate would be 7.14 % which is higher than my current rate. Now my credit will take a hit due to the inquiries and I have the same loan. Their advertisement is misleading and I feel this is a bait and switch.