Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to inform you again 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 is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX
Complaint sub-issue: Information belongs to someone else

I have reach out to the credit bureaus about fraudulent items and inquiries on my credit report and provided documents along with my social security card and drivers license and they still havent removed these items
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax 5 times in the last year to remove a bankruptcy appearing on my credit. I have also provided documentation that the bankruptcy i have is too old to be on file and have provided proof. Equifax keep saying they verified the information with a third party source as accurate. When i asked to be provided with documentation of who provided the information, i got no response.
Complaint sub-issue: Report improperly shared by CRC

I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Complaint sub-issue: Account information incorrect

the first progress report account that's reporting on my credit report account number XXXX XXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in XXXX it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.
Complaint sub-issue: Trouble with how payments are handled

My minimum payment is {$210.00} which is spread across groups XXXX and XXXX. I have an auto payment set up of {$300.00} which is to be applied to all groups minimums with the extra ( {$84.00} ) being applied to Group H. On top of this auto payment, I pay an additional {$1000.00} every month around the XXXX of every month. This extra payment is to be applied entirely to Group XXXX, which is my highest interest bearing group. This has been set up in my account in XXXX of XXXX. Since this time my auto payments have been misallocated to the incorrect groups causing my account to reflect an amount past due and accruing interest on the incorrect balance. This same issue has accrued twice now with the first time happening in XXXX of XXXX and now the same issue is occurring XXXX XXXX. The fist occurrence was " resolved ' by contacting Nelnet, my service provider, and they adjusted my account to appropriately apply payments. This second issue is currently being " resolved '' by Nelnet as well but since this is the second time I 'm having the same issue within 15 months, I feel it is appropriate to file a formal complaint.
Complaint sub-issue: Information belongs to someone else

I recently viewed my credit report via Credit Karma as well as XXXX XXXX and noticed two credit cards that I did not apply for. The names of the credit card companies are XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I contacted both companies several times to let them know that these accounts are fraudulent and each time, they were unable to assist me. They continuously asked for my social security number, which I was uncomfortable providing them with, and an account number, which I don't have. I filed a dispute via Credit Karma and I was completely unhappy and confused with the results. They simply stated that the information was accurate and correct without even reaching out to me to verify anything.
Complaint sub-issue: Debt is not yours

XXXX Bank allowed an insurance company take out money from my account that I did not have in there. I had closed the account and there should have been zero activity on it. Due to XXXX bank 's error, I was overdrawn XXXX and they sent it to a collection company and now it is the only negative item on my credit report.
Complaint sub-issue: Debt is not yours

I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. 

They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.
Complaint sub-issue: Received unwanted marketing or advertising

Equifax, spam from agent purporting to represent Equifax, consequently no purpose in contacting Equifax. From Company that solicited me to check my score for free : When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here.
Complaint sub-issue: Investigation took more than 30 days

XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!
Complaint sub-issue: Their investigation did not fix an error on your report

All the three credit reporting agencies , Equifax, XXXX  and XXXX XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
Complaint sub-issue: Their investigation did not fix an error on your report

ONCE AGAIN XXXX HAS BRACHED OUR AGREEMENT BY BE RE-INSERTRD SETTLE SETTLED BANK ONTO MY CREDIT REPORTS. THEY HAVE VIOLATED THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Complaint sub-issue: Their investigation did not fix an error on your report

I have new and updated information regarding Equifax and XXXX. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.
Complaint sub-issue: Debt is not mine

In XXXX received a notification that a new collection had be added to my credit report. The collection is from ERC Account # XXXX in the account of {$800.00} with a collection date of XXXX for XXXX. The have added this to all reports XXXX and XXXX ). This collection was previously deleted from my credit report on XX/XX/XXXX because it was not my debt to begin with. Since then this collection has been readded to my credit report a total of 4 times each time being deleted. The are also each time placing it on my report with a new collection date like the collection is new and reporting as late. They keep selling a deleted closed collection that has been deleted since XX/XX/XXXX bus to the statue of limitations.
Complaint sub-issue: Problem with customer service

I have an account with Macy 's that is XXXX balance. I received an email today that said I had a statement. I called Macy 's and told them that I could not get into my account and that I do not owe Macy 's any money and why I was receiving an email statement. I was transferred to the Citi Bank Recovery Unit, which said I had a balance, but they could not discuss it with me since I could not give the date that my account was opened. I opened my email and gave them my account number and that I have a XXXX balance. They refused to speak with me regarding my account. I called Macy 's again to complain, and they said that I had to talk to Citi Bank 's internal recovery unit regarding my account. I told them that I wanted to file a complaint, but I was told that I had to resolve it with them. Then I was transferred to XXXX, who said he was checking my account. He stated that I owed {$1500.00}. I asked him where these charges stemmed from, and he said that he could not give me that information but that I should fax a letter to them stating that I do not owe any money and that they would take thirty ( 30 ) days to investigate. I am XXXX XXXX XXXX XXXX XXXX survivor, and I currently have lupus. I do not owe Macy 's a dime. I had to contact CFPB about paying off this couch I paid in full to avoid paying the interest, which was {$1500.00}. Macy 's accepted the payment, and there was never any information sent to me regarding the interest. I only found out about this today, and I am sick that they can do this, and this is happening to me when I had no idea what they were even talking about. The account number I listed is for my regular credit card which has a XXXX balance and a {$5500.00} credit limit. I do not have the furniture account number that this complaint is about. 
Thank you for helping me this information should be in a file from Macy 's before.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX
Complaint sub-issue: Was not notified of investigation status or results

on XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused me
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I received notification that I would be getting a refund from Great Lakes Borrower Services for my student loans that were discharged for XXXX XXXX XXXX XXXX. The amount refunded was {$21000.00}. 

Prior to this I was notified by Nelnet and the US Department of Education that I qualified for the XXXX  discharge ( XX/XX/XXXX ). This was effective on XX/XX/XXXX. 

The letter states that " In addition, all payments on your loans received after XX/XX/XXXX, including payments collected through wage garnishment or Treasury offset, will be refunded. '' The second letter states " Your loan holder ( s ) will transfer your loan ( s ) and will return any loan payments that were received after your XXXX date to the person who made the payments. For this purpose, your XXXX date is the date SSA informed the Department that you were XXXX XXXX XXXX XXXX. '' In total from my statement from Great Lakes between XXXX - XXXX I made 14 payments totaling {$9300.00}. I've called Nelnet and Great Lakes several times only to be sent in circles. Nobody will give me information as to why my total payment amount was not refunded. Nelnet tells me I need to contact Great Lakes because they were the one to issue the refund and have my payment history. Great Lakes is saying they can't do anything because my loans were transferred to Nelnet. There is no proper documentation for the amounts I was refunded. When I received the refund I got several electronic transfers some for as low as {$7.00}. I never made a payment for that price. 

It doesn't make sense why my payments were not refunded and it seems like Great Lakes and Nelnet are just trying to ignore me. It frustrating and upsetting because yes my loans were forgiven but that money I paid is gone when it could have went to savings. 

Today I learned that Nelnet bought out Great Lakes yet they both seem to know nothing about my loan payments and refund. I really want to get my payments made refunded or at very least understand why I did not get the full refund. I would also like to know how my refund was calculated - why did I get a refund for {$7.00}.
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 Acct # XXXX has violated my rights. 
XXXX XXXX NA -Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.
Complaint sub-issue: Deposits and withdrawals

Robbed me of my right money and slandered my reputation with my credit I had worked for yrs to buildeven went back to previous payments and collected money from the accounts I paid and got confirmation on them messed up my credit with cc they recommended that did the opposite of helping went from XXXX to & XXXX.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Account status incorrect

XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXX requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}
Complaint sub-issue: Debt was result of identity theft

The company Plaza Services is reporting an account that was discharged to me being a victim of identity theft. I have the police report that was filed and the Federal Trade Commission report Affidavit attached as my proof and record to have this erroneous information deleted as soon as possible. The creditor is listed as XXXX XXXX. This file was resolved almost over 2 years ago.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

I issued a check # XXXX on XXXX assigned to XXXX XXXX. This check shows on my online register as honored by US Bank. The Company assigned did not endorse back of check, instead initials were present. No Bank stamp showing how/where check was cashed. This check was cashed illegally. 
I have requested an explanation of how this was honored? 
I feel US Bank failed to protect my account by illegally processing. I have requested in writing and e-mails to US Bank Fraud Div. and have not received a reply. 
I have further found the assigned Company was fraud. An Attorney 's name was used in this scheme and I have also contacted : 1. US Treasury 2. US Postal Service 3. California Bar Assoc. 4. XXXX XXXX District Atty Office 5. XXXX District Atty Office 6. XXXX XXXX  XXXX. 7. XXXX XXXX XXXX 8. California State Atty General Fraud Div. 9. FDIC Due to this error by US Bank and their failure to assist me, I have closed the checking/savings/debit/visa accounts that I have had over 25years.
Complaint sub-issue: Didn't receive services that were advertised

Credit Karma told me their were pre-approved to get me to apply for offers, but in many cases, the consumers did not qualify.
Complaint sub-issue: Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX   ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX ( Original Creditor : XXXX ) XXXX, XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Debt was result of identity theft

I have already disputed that these accounts are a result of Identity Theft, Please Remove ...
Complaint sub-issue: Their investigation did not fix an error on your report

The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my report incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry : XX/XX/2022, XXXXL XXXX XXXX : XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I have 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$130.00} 4 ) XXXX XXXX XXXX {$350.00} 5 ) XXXX  XXXX {$71.00} 6 ) XXXX XXXX XXXX {$140.00} 7 ) XXXX XXXX {$30.00} 8 ) US Dept of Education {$3800.00} 9 ) XXXX XXXX