Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Deposits and withdrawals

In the beginning of XXXX my wife and I opened a Citi checking account. According to Citi they decided to close our account a few days later. Since I had no knowledge that our account is closing my direct deposit from my job got deposited in on XX/XX/XXXX. It is now XX/XX/XXXX and we do not have access to our money. The same day ( XX/XX/XXXX ) I received a letter from Citi saying that they will be closing our account due to a report from check systems which is not true. 

Either way if Citi knew the were going to close my account before my pay check hit they should have rejected the direct deposit. Now I have no access to this money that is MINE. I  have called Citi multiple times asking my direct deposit to be sent out. Citi is refusing to send me my money in a national pandemic.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge1263 XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXXXXXX CARD  XXXX, XXXXXXXX CARD XXXX, XXXX CARD  XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I'm writing to you according to my The Home Depot CBNA card that was opened on XXXX XXXX, XX/XX/XXXX I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXXI could not contact cfpb because I did not know about its existence and that they can help me here.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX  XXXX has been stalking me. They call my house and cell and say theyre going to contact my job or they have. Im in maternity leave. Its a Robo call threatening to sue me and find me at my job. I finally called them back last week and spoke to a XXXX XXXX. She said look for your documents in the mail our records say otherwise when I said I dont owe anyone. She said I owe CitiBank. Ive never done business w them. I asked for the company name and she gave it. I asked for a mailing address and she refused. 

Today!!! They called again so I called Citibank directly. They have no record of me using my social ( as I expected ). They told me not to give out any info Bc its probably a scam. 

My issue is I want them to STOP calling me. The number they leave is XXXX. The case number they leave is XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

I have been experiencing an unusually high rate of insufficient fees with MidFirst Bank in Oklahoma. I do acknowledge that I will be low on fund at times and utilize the overdraft protection service, however, when I began to closely monitor my account, I noticed a pattern that my debits were/are being rearranged in a way where it appears MidFirst could charge additional insufficient fees. When inquiring about this often, various representatives understood and reversed some of the insufficient charges ; others, like one this morning, was adamant the fault was my own. I have heard several different excuses from representatives : " it's out of the bank 's hands when a charge will go through '', " it's on the merchants when the charge will go through '', and " it can be confusing how the charges reflect and how the debits rearrange ''. Further, I had been told for years, since opening my account in XXXX, that if a deposit was made within 24 hours of a debit, no insufficient fee would occur. When I was charged a fee for a debit that incurred less than 24 hours before a deposit, the representative stated she'd never heard of that before. The rules, procedure and communication should be crystal clear and not waffle from week to week. I also found that in XX/XX/XXXX, without any notice at all, the MidFirst bank rate for insufficient fees went from {$32.00} to {$34.00}. Nothing should be confusing about my money being deducted out of my account. For this reason, I feel like MidFirst has unnecessarily taken hundreds of dollars in insufficient fees from my account. I will be transferring my funds to another bank soon, but wanted to advise the CFPB of what appears to be deceptive practices by MidFirst and/or its employees. 

Thank you,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was charged {$7900.00} dollars on my discover card. I submitted information to discover stating that I had not received services for this transaction. Services for the transaction were to be performed on XX/XX/XXXX. The merchant continued to push the event back due to covid restrictions. I explained to Discover that the merchant had blocked me on all social media platforms and has also changed their contact information when I began the dispute process, making it impossible for me to reach back out to the merchant. Discover closed the dispute and deemed it valid on XX/XX/XXXX. I informed them that the invoice the merchant submitted wasn't even an accurate invoice because I was charged more than the {$7900.00} but it was split between my XXXX XXXXXXXX card and my discover card. The charges totaled {$11000.00} XXXX XXXX  has been able to resolve the situation based on the information that I have submitted, but for some reason discover has not yet resolved the situation. I will attach a copy of both my XXXX  XXXX and Discover invoices proving that the invoice submitted to discover wasn't accurate. I submitted the correct invoice to discover as well as the letter from the account XXXX. I asked discover to send me the invoice that was submitted to them so that my attorney could try to bring this to a resolution but I have not received that copy and i have now requested it 6 times. They told me that I should be able to see the dispute updates online, however i can't access the dispute any more from my account. Today one of the representative told me that the invoice from the merchant isn't even landgable on her side either.
Complaint sub-issue: Account status incorrect

REPORTING A INACCURATE LATE PAYMENT ON MY CREDIT REPORT ALL MADE ALL MY PAYMENTS ON TIME IT NEEDS TO BE CORRECTED.
Complaint sub-issue: Account status incorrect

Going over my Equifax report I see two delinquent accounts that are identical, this account should be listed once, not twice. Also, this account is showing that I have not paid the balance of {$290.00} when in fact this debt has been paid IN FULL in the form of my state tax refund. The account is as follows : XXXX Opened XX/XX/2017 Original Creditor - Virginia XXXX XXXX XXXX Amount - {$290.00}
Complaint sub-issue: Problem with personal statement of dispute

PNC Bank reported a 30-day past due status to the credit bureaus effective XX/XX/XXXX. 

The oversight was due to PNC auto-pay not debiting my monthly payment from my bank account. Upon receiving the PNC late notification in the mail, I immediately made the past due payment. I contacted PNC to explain auto-pay did not work and highlighted that I have been a customer since XXXX ( 13 years ) with a flawless payment record - proof I pay my bills on time. PNC was unwilling to remove the 30-day past due notice from my credit record. 

No reason has been provided for why PNC auto-pay did not work and my impeccable business record over 13 years was not valued enough to make any changes. 

As a result my credit has dropped 40 points and told by PNC it will take 7 years to remove from my credit report. I view this business practice reprehensible and disappointed PNC is unwilling to work with a loyal customer to correct a negative credit entry due to a problem with their auto-pay system.
Complaint sub-issue: Information belongs to someone else

Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither Equifax, XXXX, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that Equifax, XXXX, and XXXX verifies, must be done so under oath in the presence of a Notary. 

Equifax, XXXX, and XXXX are corporations and XXXX XXXX entity, they do not have the power to verify any information.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Complaint sub-issue: Debt is not yours

There's an open account balance with XXXX  that doesn't belong to me. I was not aware I was in collections and its really affecting my credit. I try to resolve it with the debt collector to remove it but they didnt agreed.
Complaint sub-issue: Their investigation did not fix an error on your report

My misery continues!!! 

I sent cfpb a complaint about Equifax reporting TWO Social Security Numbers for me when I have only ever had ONE SS # in my entire life!!! Complaint # XXXX. 

You reported that Equifax needed more time than the normal 14 days " investigate. '' Up to 60 days! 

I just received a letter from Equifax dated XXXX XXXX, 2017 saying they need {$8.00} and additional documents that authenticate my identity -- including ironically -- a copy of my SS # Card! 

This is outrageous. 

There is no way to report additional events on the original complaint. So I am opening a new complaint here. 

Please help me to regain singularity in my identity! 

One SS # is all I need. 

Thank You.
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I XXXX I agreed to a settlement with Equifax in the amount of {$1500.00} for their recent data breach. In XX/XX/XXXX I received a 1099 for tax year XXXX in the amount of {$6700.00} after not receiving any settlement proceeds whatsoever. As of todays date ( XX/XX/XXXX ), I still have not received any settlement proceeds.
Complaint sub-issue: Information belongs to someone else

I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, EQUIFAX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Complaint sub-issue: Can't close your account

I called a couple of years ago to close the credit card account because I had not used it for quite some time. Citibank failed to close the account and continued to charge me annual fee. They were going directly to my bank to withdraw the annual fee, {$25.00} at a time, without my direct authorization. I had not noticed the charges to my bank account in previous years after calling to have the credit card closed. This past year while undergoing a statement review ( because I changed my primary bank ) I noticed the charges in my XXXX XXXX bank account. I looked at copies of the {$25.00} checks from me to Citibank that did not have my signature. I reported it to XXXX XXXX as fraud and asked them to close that account. Then I called Citibank only to find out this was the account I had called to close a couple of years ago. They said they had no record of the cancellation. I told them they needed to cancel it immediately. They claim they have, but that I still needed to pay the {$98.00} fee because I called to late to canceled the account ( the annual fee posted in XXXX and it was now XXXX ). This is the most ridiculous thing I have ever heard! I asked for copies of the charges I have made in the last 36 months so they can show evidence of account activity. The people I was allowed to speak to did not have the means to produce that information, nor will they because the account has not been used - hence the reason for closing it. They simply reassertion thar the account was now closed and I was responsible to pay the {$98.00} annual fee. Citi continues to claim the debt and is now charging me late fees for not paying the annual fee for the card ( no purchases mind you ) and reporting me to the credit bureaus for delinquency. This is a rip-off of the highest degree - almost as sleazy as XXXX XXXX shenanigans a few years ago. I would like your help to stand up for principle. I have the means to pay the stupid {$98.00}, but this kind of abuse by these big banks needs to stop. They should not be allowed to operate above decent and fair business practices. When I used the card years ago to book a trip, I paid my entire bill to them on time. They are asking for money they dont deserve for a service I turned down long ago. What was once a useful and mutually beneficial business relationship they have managed to turn into a pile of rubbish. I will never do business again with them or any of their affiliates.
Complaint sub-issue: Debt was result of identity theft

I CHECKED MY EQUIFAX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX CONTACT PERSON XXXX XXXX XXXX XXXX ). EQUIFAX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.
Complaint sub-issue: Account status incorrect

To Whom it May Concern, In 2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " Mr. XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in XXXX to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX XXXX  actions, agreed to close the account, and to contact XXXX XXXX, Equifax, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the three bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX XXXX addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a XXXX XXXX who supports XXXX children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX