Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The company sent a letter months back stating I owed them money at which time I called and informed them they needed to contact my attorney as this was settled in bankruptcy. I get another letter today dated XX/XX/XXXX that I have until XX/XX/XXXX to pay them {$7700.00} remaining on the debt. This account was closed in my bankruptcy and it is against the law for them to be contacting me at all in regard to paying any remaining balance on this account. I have already told them once before that they needed to contact my attorney and they have ignored going that route. My bankruptcy was finalized as of XX/XX/XXXX and the vehicle is still taking up space on my property. I converted to CHXXXX in XX/XX/XXXX and they had ample amount of time to say anything to my attorney as well as come and pick up the vehicle. It has been sitting on my property taking up space and getting in the way for 10 months now and I am well within my rights to file a petition with the court to collect fees up to {$10.00} a day for rental space on the property. I will plan on proceeding with this within the next 30 days if I don't hear anything back. I am sending a copy of the letter from Jefferson to my bankruptcy attorney as well as he is within his rights to pursue any legal ramifications in regard to this matter.
Complaint sub-issue: Personal information incorrect

I was denied for an auto loan from my XXXX XXXX XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of XXXX  while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau Equifax XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Complaint sub-issue: Old information reappears or never goes away

XXXX, Equifax, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Complaint sub-issue: Debt was result of identity theft

Hi - I have contacted XXXX XXXX in XXXX, Nevada multiple times about an identity theft that occurred through their apartment complex. I have sent them a fax, called a number of times and they give me the run around. The managers name is XXXX XXXX and their financial person 's name is XXXX. I spoke to a women named XXXX who seemed helpful and asked me to email my information that I had faxed the week before - which I did. I have yet to hear back from XXXX XXXX. A woman by the name of XXXX XXXX XXXX stole my social security number and used it to get an apartment at this complex. The apartment complex did not do the proper background check or they would have realized that she was a fraud.
Complaint sub-issue: Account status

We ( XXXX XXXX and XXXX XXXX, husband and wife ) filed Bankruptcy case XXXX here in the XXXX of Illinois. Pursuant to the settlement of this case the mortgage with XXXX # XXXX on this property was surrendered and transfered back to the bank. We no longer have anything to pay on this loan as it was discharged as of XXXX. The bank is continuing to report it as past due. I 've contacted the bank and received no response. I 've sent letters to the XXXX credit reporting companies. Equifax responded that the bank said they are reporting this correctly. This can not be correct as we no longer have this loan. Is the bank saying they will report this as past due for years although we no longer have an obligation to pay this loan. We are trying to reestablish our credit and have been denied credit as our credit scores will continue to go down and/or not change as this loan is continuing to be posted monthly as being unpaid.
Complaint sub-issue: Reporting company used your report improperly

I used Equifax 's product TrustID at XXXX XXXX XXXX to determine if I was affected by the data breach at Equifax. After entering in my information I was initially told that I " may have been impacted by this incident ''. However I then tried a credit check on several completely fabricated individuals ( with fake last names like " XXXX '' and " XXXX '' XXXX and still received the same message that these fake people " may have been impacted by this incident ''. This is flagrant misconduct and improper reporting by Equifax.
Complaint sub-issue: Problem accessing account

On Thursday, XX/XX/2021, around XXXXXXXX XXXX. Pacific Time, I tried to login to Citibanks online banking. My username and login has been disabled. I then tried to reset my password using my 16 digit card number and last four ( 4 ) numbers of my social security number. I received a message that said : XXXX XXXXXXXX Locked The information you entered does not match our records. The information I submitted was correct ; there were no typographical errors. I then called customer service by calling the telephone number on the back of my debit card ( XXXX ) XXXX. I spoke with a XXXX female supervisor that disconnected the telephone call on me. She did not call me back. I called back and spoke to a XXXX male supervisor by the name of XXXX. He indicated he was in the Client Relations department in XXXX, XXXX. The call disconnected again. I did not receive a call back. I called ( XXXX ) XXXX and the automated system asked for my social security number. The automated system said my social security number does not match their records. I hung up and tried again and got the same result. There were no typographical errors when I input my social security number. My login is defunct, my debit card is defunct and my social security number is defunct. This does not sit well with me because I just deposited a personal check for {$5500.00} from my XXXX XXXX checking account and now I dont have access to my funds-during a pandemic. 

I then spoke to a female supervisor around XXXX XXXX. PT and she stopped talking during the phone call. The call was disconnected yet again and I did not receive a call back from Citibank. 

I called ( XXXX ) XXXX around XXXXXXXX XXXX. PT and the automated system again did not recognize my social security number or debit card number. The automated system said it will transfer me to an agent, however, the telephone continued to ring and ring ; no one answered the telephone call. The ring was continuous forcing me to hang up and call back. 

It is egregious of Citibank to block my account without informing me in advance. I did not receive any communication from Citibank via telephone call, e-mail or text correspondence. I learned of the block after the fact. I still dont know why Citibank blocked my account. I did not do anything wrong. What if I had an emergency and needed access to my funds? The money belongs to me ; not Citibank. 

I am maintaining a careful record of my communications with you for the purposes of filing a complaint with the Attorney Generals office, Office of the Comptroller and FDIC, should you not resolve this issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2019 I C system become a injury on my credit report. XXXX XXXX I attempted to pay and colllect Information on what company Imay have owe money to. I C systems could find my address or corrected  name my social security number was provided and another name pop up on there end I would like to report this as fraud and I would like this removed off my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 instruction.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX was allowed by equifax to perform a hard inquiry without consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed 2 certified letters with return receipts, first letter was sent out XX/XX/2021 an received XX/XX/2021 asking Equifax to verify XXXX XXXX XXXX XXXX XXXX XXXX or to delete the account also included was a letter from the Court saying " they do not give or sell any information to third parties or credit bureaus '' also included was a letter from XXXX stating they deleted the XXXX XXXX XXXX  and on XX/XX/2021 Equifax verified the Bankruptcy accurately reporting and they also never marked the account under dispute or disputed. I sent my second letter out on XX/XX/2021 an it was received on XX/XX/2021 asking Equifax for Method of Verification and asking Equifax to send documents of proof or to delete the account and on XX/XX/2021 Equifax claimed they verified the account with the court and it is reporting accurately but once again with out providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.
Complaint sub-issue: Didn't receive services that were advertised

Equifax allowed a breach of security to have my identity stolen. I am filling my official complaint for this oversight.
Complaint sub-issue: Their investigation did not fix an error on your report

there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
Complaint sub-issue: Their investigation did not fix an error on your report

Second attempt to remove this account, this is not my account. I'm an identity theft victim.
Complaint sub-issue: Information belongs to someone else

Re : two addre sses in Louisiana not mine.     Though a  XXXX   XXXX  (  XXXX   ) a t  XXXX   Fraud Management Dept inf ormed me in   XXXX   XXXX   that I am not responsible for a fraudulent purchase at a  XXXX  store in Louisiana,  two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since   XXXX  .     Both Louisiana addresses should be deleted from my consumer credit files. They are :  XXXX   XXXX   XXXX ,  XXXX   XXXX , LA  XXXX   XXXX   XXXX   XXXX ,  XXXX , LA  XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Account information incorrect

XXXX XXXX is refusing to update all three credit reports.
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX*Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX****Balance Owed : {$XXXX} XXXX XXXX XXXX****Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.
Complaint sub-issue: Debt is not yours

I am submitting on my son 's and my behalf. My son XXXX XXXX  attended XXXX and graduated in XXXX. On some of his student loans, I was a co-signer. I'm sorry, it has been more than 7 yrs when he graduated from college I do not recall or remember all of the details on the loans. According to a letter I received XXXX XX/XX/XXXX, this student loan from XXXX XXXXStudent Choice was charged off XXXX XX/XX/XXXX and it shows as such on both of our credit records as being " charged off ''. I have not heard of or remember handling the loan, is a Debt collector from any company in New Jersey, named MRS and wanted to know why they were contacting me? Since I didn't remeber the dedt, the loan or amount. So, I called to ask what it was in reference to and clarification. He explain it was for a student loan for my son XXXX and I was being notified due to being a co- signer on a Student loan 's that was over 7 yrs ago. He also stated that they had sent the same written informationto XXXX.
Complaint sub-issue: Information belongs to someone else

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX XXXX remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old. This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX XXXX such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.
Complaint sub-issue: Account status

None of the above choices applies to the situation I 'm complaining about. Therefore a " yes '' or " no '' answer to the question, " Have you disputed the issue with the credit reporting company .... '' is not possible. The credit reporting company ( Equifax ) has PREVENTED my attempts to dispute directly with them. Here is the complaint : Using XXXX, I discovered a collection account on my Equifax credit report that I wish to dispute. I attempted to use Equifax 's online dispute form to initiate the dispute. 
The Equifax dispute form requires a XXXX-digit confirmation number. In other words, I would have to purchase a credit report from them in order to initiate the dispute. That 's my complaint : There 's no way ( that I can discover ) to initiate an online complaint with Equifax without paying them money.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I attempted to speak to a XXXX customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.