Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Re : Request for Reasonable Accommodation I have two credit cards with Citibank. 

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that Citibank remove an account in my name from collections and eliminate the balance and remove all credit bureau negative reporting. 

I have documentation regarding my XXXX.
Complaint sub-issue: Debt is not yours

The last charge I made was for the amount of {$250.00} which I paid Macys on XX/XX/20. My card had a XXXX balance. when I received the next statement there was a balance of {$880.00}. Now the balance has gone up to {$1200.00}. I called Macy right away to report to tell them that I did not make any of those purchase. I did not find my Macy card so I told reported it stolen. Macy said that they were going to investigate. They cancelled my card and sent me a new one. The next statement I received, macy took all the changes off. Then they turned around and told me that I am responsible to pay after they investigated some more. At which time a police report was made on XX/XX/20, but macy still holding me responsible for charges I did not make. 
I am asking to please take those charges off my account since I did not make any purchase since I had a XXXX balance on my account. My credit is also in jeopardy for some charges I am not responsible. I also keep being harassed by phone calls. I am confident that you can solve this issue. 
I thank you in advance.
Complaint sub-issue: Their investigation did not fix an error on your report

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was.

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Complaint sub-issue: Reporting company used your report improperly

My information was stolen as part of the Equifax hack that affected 143 million people, and wo n't provide credit monitoring without me signing an arbitration agreement.
Complaint sub-issue: Information belongs to someone else

Equifax has alerted me that my identity has been compromised. I have placed a freeze on my Equifax credit score as of today.
Complaint sub-issue: Account status

I had come to find out that i have a collection on my credit report that has been fully paid. The collection was by XXXX XXXX and should have never existed in the first place. The doctor who submitted the collection did so in error do to a malfunction in his accounting process. I have a signed statement from him attesting to this fact. I have disputed this with XXXX and they promised to remove the collection but did not. I then have disputed this with Equifax several times and and they will not remove the collection. This collection has been reduced to zero but i have never paid the collection agency a dime!! 
Furthermore, every time i open up this dispute, Equifax updates the balance to zero and the collection to the latest month decreasing my credit score even more. Finally, XXXX have already agreed this was erroneous and have totally deleted the collection from my record. At this point i feel harassed by Equifax since they will not investigate properly or provide any transparency as to how they arrive at their decision or who they have called to verify information. I have also called them several times to discuss with to no avail. This agency is by far XXXX of the worst organizations I have had the displeasure to work with. My credit score went from a XXXX to a XXXX, this is ridiculous and should not be tolerated. I will attach the signed letter from the Doctor as evidence. I have also uploaded proof of deletion by XXXX. 

Also i have opened up yet another dispute and included the number in the above dispute number field provided.
Complaint sub-issue: Was not notified of investigation status or results

I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that XXXX excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me XXXX XXXX  for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action
Complaint sub-issue: Debt is not yours

I've included all companies involved. XXXX, Equifax and XXXX  including all creditors. 
Fraudulent Items within my credit report : XXXX XXXX Account # XXXX for {$110.00} XXXX XXXX Account # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}
Complaint sub-issue: Trouble with how payments are being handled

I'm enrolled in the PSLF program, mi servicer is XXXX XXXX. I have a rental property which I always declare in my taxes. Last year I have to fix the fence and the roof. Both expenses can not decrease the income but have to be added as a property improvement and then use the amount for depreciation purposes. The amount was $ XXXX ( the tax return shows this amount ) which I can not deduct as a business expense, making the income higher that it should be for that year, On top of that, I didn't have the money to pay for it so my wife took money out of her retirement account to cover for the expense, also creating a higher income for that year if we use the adjusted gross income from the tax returns. 
I called several times and talked to a loan counselor and they told me they are not tax experts and can not adjust the gross income from my tax returns. They asked me to send pay stubs instead of the tax returns however, if I send pay stubs it will not show my rental income which is usually a loss. 
I really need some help here making my service provider adjusting my tax adjusted gross income adequately.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Complaint sub-issue: Information belongs to someone else

To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, 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 and the inquries is 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. Can someone help me Im doing this by myself.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 XXXX  I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Complaint sub-issue: Debt was result of identity theft

Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks
Complaint sub-issue: Information is not mine

In regards to account : XXXX XXXX Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer have caused harm to me by seriously affecting my credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
Your offices have only provided me with partial validation ; your offices have not yet provided sufficient evidence that this alleged debt is mine. Provide me with a complete account statement printout, signed contract, a contract giving XXXX XXXX XXXX power to collect, and original creditor 's address and telephone number. 
I 'm sure you are aware of the consequences in violating the FCRA and FDCPA as well as the multiple violations your company is now responsible for, but not limited to : As per the 809. Validation of debts [ 15 USC 1692g ] ( : ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
813. Civil liability [ 15 U.S.C. 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called and called the service provider to help me audit the charges for a 6 mile  ambulance trip, but have been ignored. As an inactive XXXX I encountered billing errors over 50 % of the time ; however, this company, instead of cooperating, they send me to the credit beaureau and lower my score when I'm in the middle of a house purchase. I have found in the High Desert ; whether is a service provider or retailer, especially in the medical field, that they are ruthless, uncaring and corrupt. In fact ; the XXXX XXXX XXXX is investigating it. Since ; It took us over a year and a half to find a competent doctor! We are XXXX senior citizens. It is alarming how many service providers, including doctors and so called nurse practitioners and especially landlords they victimize the XXXX seniors and the poor. In other words ; they practice here becaseu they know that they can victimize the defensless poor and the XXXX. There are quite few XXXX poor people in this county and have no qualms in the abusers victimizing us. Therefore ; I'm trying to address so many issues of corruptions. Even the hospital here ; one of the feedback reads : " I'd rather drive 40 miles to a XXXX XXXX than go here to XXXX XXXX XXXX! ''
Complaint sub-issue: Reinserted previously deleted info

Hello, I received a letter on XXXX XXXX 2015 stating this account was delete from my credit report and now it 's reinserted again. The account is XXXX XXXX XXXX # XXXX. I have attached the letter from Equifax showing the account was removed. Also, I requested " Validation '' information on XXXX # XXXX and not " Verification '' and it was never presented and I have the cast number to provide. The request in CFPB system. In addition, this account over the status of limitation and Equifax has changed the dates which is against the Fair Credit Act.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX  XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX  XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX XXXX XXXX XXXX  XXXX XXXX  KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX  KS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJXXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXXNJXXXX I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!
Complaint sub-issue: Debt is not yours

There is a reporting of a debt from an apartment complex that I haven't lived. I'm not sure how my name or ssn was associated with it. I have contacted the collection company but they only tried to collect the debt.
Complaint sub-issue: Deposits and withdrawals

In XXXX XXXX an unauthorized person who i do not know accessed my account and wrote 37 electronic checks and stole a total of {$8500.00} from my account. All withdrawal was made on the same day. XXXX/XXXX/XXXX. I have never written an electronic check in my life. The signature does not match my own. The checks went to 3 different accounts, none of which I know. I submitted a complain to CITI BANK on XXXX XXXX XXXX. They responded with a letter on XXXX XXXX saying that while they do acknowledge it is fraud, they will not return any of the money to me as I filed the complaint more than 1 month after the incident took place. Attached is the letter.
Complaint sub-issue: Didn't receive enough information to verify debt

Lending Club Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints State attorney general only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  Say I have a debt, but this is not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, XXXX XXXX  ( XXXX XXXX ) account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

Since this is not the first time I contacted the bureaus ( XXXX, XXXX and Equifax ) via phone, online and mail to concerning inconsistencies reporting across all XXXX bureaus on my credit report. 
I have highlighted the items I disputed on the enclosed copies of the reports I received from XXXX different credit monitoring agencies. 
It is my understanding that you will investigate all the items I have highlighted to ensure accuracy and delete the inaccurate information. XXXX are held to authenticate that they're correct to report deficient and erroneously of evident compliance of factual reporting particularly in relations to correct mandatory processes of lawful reporting obligatory complete XXXX formatted compliance of reporting standards. This is not an option. This is violation of my consumer rights. 

Please produce undeniable documented certified proof of claims and the claim 's reporting processes and format complaint status or else stop reporting said claim. 

Please provide me with an update credit report once this process is complete. 
I appreciate your help with this matter.