Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of. My identity has been stolen a while ago someone was taking my mail out of my mailbox I did everything i was told to do and all the things where removed from my credit know they are coming back on my credit this is not my debt. Only thing this company could show me was my address that is all I ask them to remove this because this is not my debt I was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit report without me knowing it.

Jefferson Capital System {$1700.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$540.00}
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX, I checked my credit report and seen that I had inquiries that I have no consent of besides 1. Ive never gave any company the authority to pull credit report neither did I apply for anything. I want the inquiries to be removed from credit score because its impacting my score and Ive never gave consent for them to be there on all credit bureaus.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Trouble with how payments are being handled

I graduated from the University of XXXX with a XXXX degree in XX/XX/XXXX and a XXXX degree in XX/XX/XXXX. During this time I incurred student loan debt. 

In XX/XX/XXXX I earned my XXXX XXXX in the XXXX XXXX and I am currently still serving on XXXX XXXX. 

Towards the end of XX/XX/XXXX I began paying my student loan debt and I have been paying for my student loan debt sin

ce XX/XX/XXXX. Late XX/XX/XXXX - early XX/XX/XXXX I applied for Public Service Loan Forgiveness ( PSLF ) program through FedLoanServicing. I did not get a denial letter. However the FedLoanServcing Agent told me that I was not eligible for loan forgiveness because I consolidated my student loan. 

I do not understand why I am not eligible for PSLF, simply because I consolidated my loan in order to afford paying for my loan. Otherwise, I am eligible for the program.
Complaint sub-issue: Information belongs to someone else

These accounts does no belong to me and Ive been a victim of identity theft
Complaint sub-issue: Information belongs to someone else

I Have been a Victim of Identity Theft
Complaint sub-issue: Investigation took more than 30 days

A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.
Complaint sub-issue: Problem with customer service

I submitted my application for XXXX to MOHELA. They received it twice as shown on their website with the dates of XX/XX/XXXX and XX/XX/XXXX. Up until yesterday the website showed that application was being processed, and then today XX/XX/XXXX, it showed that both documents were cancelled. I called to find out what was going on, and after waiting on the phone for XXXX XXXX hours, I finally spoke XXXX XXXX who proceeded to say that my loan didn't qualify. I explained that the loan should qualify because I had just consolidated so that I could have the correct typed of loan to qualify. So she checked some more and agreed that the the type of loan was correct. Then, she said that the application was submitted twice and that was the problem. I asked how so? She then checked the information on the application and asked who my employer was. I responded, and she noted it, even though it's already on the application. She continued to do some more checking and said that somebody probably made a mistake and cancelled the application as she didn't see any issues on the actual application. She then said that she was going to resubmit it, and for me to check at the end of the month to find out if it was accepted. She said it won't be processed right away because they were busy. Keeping in mind that there is a deadline of XX/XX/XXXX to submit this application, how do they expect people to just wait around to see if they do their job well. 

At this point, based on the responses I received I feel that XXXX was giving me the run-around. I did not even receive an apology for their mistake of cancelling my loan by " error. '' I do not trust they have my best interest here.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax mishandled my information, which puts me and several hundred thousand other people at  risk. I am listed as a potential victim according to their website, and would like a resolution. They should pay for credit monitoring etc.
Complaint sub-issue: Account information incorrect

MY EQUIFAX CREDIT FILE SHOWS INACCURATE AMOUNT OWED TO XXXX  XXXX XXXX XXXX. THIS ACCOUNT IS PAID IN FULL.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a disputed using CreditKarma.com on XX/XX/2018 this dipute is through XXXX on Creditkarma Inc 's website. I have not been shown any results of this dispute and the dispute is still shown as being " Pending '' XXXX  has claimed that they have sent an email of the results which they have not resubmitted to me. Furthermore since the dispute is still " Pending '' I am unable to dispute incorrect information being reported by XXXX  through CreditKarma. com Essentially having my right to dispute information denied at this time. I will attach photographic evidence that will support my claim today.
Complaint sub-issue: Other problem

I have been receiving call from Citi Bank claiming my XXXX XXXX account is part due. I have received at last count XXXX calls. They always leave messages stating that my account is past due and to call then immediately. I did answer XXXX call and told them their information was incorrect and they hung up as I was speaking. I have blocked numbers XXXX ( XXXX and XXXX ). The calls have continued. I did contact XXXX XXXX and they said my card had been compromised and they canceled that card and are issuing me a new card. 
I don't know how to stop this.
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 RC ( Original Creditor : XXXX XXXX BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX  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: Problem accessing account

On XXXX, I tried to access my online banking services with Citibank. I found that the system would not allow me access and merely stated that I should try to access the site later due to : " Technical Difficulties ''. 

I tried again to access my online banking on XXXX in the morning and again in the evening to access online banking and received the same message to try again later due to " Technical Difficulties ''. 

On XXXX, after receiving the same message I called directly to the Citibank customer assistance and tried repeatedly to access the online services with a banking representative, after several repeated failures due to " Technical Difficulties '' - the representative consented to forward my call to a Supervisor. 

I worked for another thirty minutes with the Supervisor every step of the way and she finally admitted that Citibank is indeed experiencing " Technical Difficulties '' with online banking - especially relating to resetting password access. XXXX stated that the problem has existed since XX/XX/XXXX and has not yet been resolved. I called today ( XX/XX/XXXX ) and the banking representative again confirmed that the " Technical Difficulties '' have not yet been resolved. 

At present - there is NO statement on any webpage from Citibank, or disclosure regarding this breakdown in their ability to deliver services. While the Supervisor at Citibank says she recorded my complaint, and added my call to their trouble ticket, I am also deeply concerned by the lack of disclosure to the public and Citibank customers specifically about this extended failure in their services.
Complaint sub-issue: Debt is not yours

I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry : XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX, XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX - ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I leased a vehicle from Volkswagen in XX/XX/XXXX, and purchased an Excess Wear policy from Volkswagen at the same time. 

When returned the vehicle in XX/XX/XXXX Volkswagen failed to apply my final lease payment to my account. They also applied {$270.00} of excess wear fees to my account instead of claiming those from the policy they sold me, and they refused to provide me with documentation I needed to make that claim myself. 

In XX/XX/XXXX they referred my account to a collection agency, with the final lease payment ( that I already made ) still uncredited and with the {$270.00} excess wear still uncredited. In XX/XX/XXXX they finally corrected the final lease payment, 8 months after I paid it. But the account was already in collections, and at the same time they introduced a new payment that they had never before billed me fore. In XX/XX/XXXX they finally mailed me the documents needed for making a claim on the Excess Wear policy. 

My demand now is that Volkswagen Credit recall my account from the debt collection agency, recall any reports of overdue or delinquent payments from any credit reporting agencies to whom they have reported this, issue a written apology to me for their inept and malicious handling of my account, and if they believe I still owe them something, deal with me directly in a constructive and responsive manner.
Complaint sub-issue: Information is missing that should be on the report

I would like request a full Lexis Nexis, XXXX XXXX, XXXX credit reports. I have attached my ID
Complaint sub-issue: Their investigation did not fix an error on your report

This company reported incorrect information to the credit bureaus for almost 3 years. Since they have now updated my account to reflect that actual balance at {$0.00} it has negatively affected my credit scores. They need to delete the record from all bureaus due to their error. They caused my credit scores to drop due to their reporting error. I am trying to get a mortgage they have now hindered that process doe to their mistake.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX 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 ordered a copy of my report from XXXX on XX/XX/XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX, as I believe these accounts are reporting in error.
Complaint sub-issue: Right to dispute notice not received

I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account # 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: Information belongs to someone else

I was a victim of identity theft XX/XX/2019 I have faxed the police report and conviction report numerous times to equifax and have that information on file as proof, even though equifax sent a report stating XXXX /XXXX XX/XX/2019 XXXX/XXXX   XX/XX/2019 XXXX XX/XX/2019 were removed XX/XX/2019 they are still on my credit report! I have called them NUMEROUS times to no avale! also XXXX/ XXXX   XXXX  XX/XX/2019 also made a hard inquiry even after i explained to them i had been a victim of identity theft and the representative assured me it would not show up on my report! after having worked tirelessly endless hours I am beyond completely Fed up!
Complaint sub-issue: Debt was result of identity theft

AFNI, INC AT @ T AFNI, inc. 
XXXX XXXX XXXX XXXX, IL XXXX FTC affidavit submitted with proof of id and address. 

Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

it been 7 years now since my bankruptcy chapter XXXX. discharged. its on my pubic record showing on my 3 credit  reports. filing date XXXX. reference # XXXX. us bkpt ct fl XXXX XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

OnXX/XX/XXXX my card was charged with a fraudulent charge of {$640.00} to XXXX for a hotel. My card was then frozen for security purposes. After 3 1/2 weeks of never receiving a new card, I called and requested a new card. They sent me a card with the same exact numbers ( including CVV number ). As of XX/XX/XXXX, the charge was still listed on my statement showing that my balance was {$910.00} including the fraudulent charge. I called ( for XXXX only knows how many times now ) on XX/XX/XXXX and they said that the charge would be removed within 24 hours. I specifically asked if that was 24 business hours, or 24 real hours, which they answered as 24 real hours. So, I went to pay my bill on XXXX and the charge was still there, but now my balance is {$1500.00} which means there are more fraudulent charges ( thanks to them not sending me a card with new numbers, therefore reactivating the old compromised numbers ) on the card, because as of XXXX the card was disabled ( again ) and I did not use it. I called onXX/XX/XXXX and they said that there was no one there able to help until Tuesday and that a new investigation would need to be reopened for 7-10 business days. I understand that it is a holiday weekend and that XXXX is tomorrow, but I have been fighting with them for 6 weeks almost and keep getting the runaround. I even asked if they could send someone an email to have them look into it on Tuesday, and they said no.. I can not continue spending hours every day on the phone with them In my honest opinion, I think they are trying to not eat the charge from XXXX as they keep telling me that it will be removed and it never gets removed. The bill is due soon and I will not pay the money, because then I KNOW I will never see that money come back. 

In addition, why did they send me a card with the same numbers and now have MORE fraudulent charges and now do not want to remove them.
Complaint sub-issue: Personal information incorrect

I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax currently reports an inquiry i do not reconized, XXXX XXXX XXXX This Inquiry is unauthorized, illegal Reporting has no permissable cause, no loan or credit has been awared. a violation of FCRA rules
Complaint sub-issue: Personal information incorrect

equifax has me reported as deceased and this is causing problems. No one at this agency wants to talk with me or receive information from me.
Complaint sub-issue: Was not notified of investigation status or results

I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from Equifax, XXXX, and XXXX Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.
Complaint sub-issue: Debt is not yours

hey, I have a pair of collections that wasn't me. So I was checking my credit scores and saw collections that I know are not mine. I've clicked the collections to get further details and the collections claim to be in the amounts of {$330.00} and {$830.00}. The creditor is " XXXX XXXX XXXX '' and account status lists that it was opened on XX/XX/2017. I am XXXX years of age, I know I don't pay for electricity bills or gas bills yet and believe a family member who may know my info caused this.A family member has the same name as me and most likely knows my social so I am assuming but cant be 100 % correct. I have called XXXX XXXX to ask questions and was told the address linked to the account was not my current address at the time this happened. Due to security reasons over the phone they couldn't provide me with address details but would love to get this solved immediately please. Thank you for your patience and help!