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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Overdrafts and overdraft fees

My account had " pending '' transactions. I made a deposit to cover. Credits are supposed to post before debits. This has happened before and PNC bank has always refunded the fee. This time I call and spoke with XXXX her team lead is XXXX XXXX and their manager is XXXX XXXX. No one above XXXX were available to speak. I took photos of my account to show the pending status of the credit and debits. I was charged XXXX. <P/>Another problem is that I am a XXXX XXXX As such, it is known for corporate governance purposes Public Companies are required to have a line of communication to the executive office to make complaints. Well PNC cancelled this telephone number.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, Credit plus is showing as a hard inquiry on XXXX, XXXX, and XXXX. 
I've not applied for any credit or given any authorization. 
I've contacted credit plus and had no help in resolving. 
CREDIT PLUS Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX *I am working with a bank for a home loan, but I have a relationship with them already, and they said they don't need to pull my credit yet. They did not ask for authorization, permission, and didn't inform me. I haven't idea if this has to do with them. I spoke w/rep at bank, and she said she's never heard of them. 


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

This letter is to inform you that Equifax has failed to respond to my inquiry dispute letter that I sent certified mail on  XXXX   XXXX ,   XXXX  . As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to th e USPS,  Equifax received my dispute letter on  XXXX   XXXX ,   XXXX  .     Please remove the following inquiries from my report as pursuant t o 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connec tion with a credit or insurance transaction that is not initiated by a consumer.       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
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

MY EX WIFE OPENED SEVERAL ACCOUNTS IN MY NAME AS WELL AS TOOK OVER A FEW ACCOUNTS. I FILED A POLICE REPORT AS WELL AS AN ID THEFT REPORT. I HAVE SUBMITTED THE INFORMATION MULTIPLE TIMES AS WELL AS UPLOADED THE REPORTS, AND THE CREDIT AGENCIES HAVE STILL NOT REMOVED THE ACCOUNTS.
Complaint sub-issue: Reporting company used your report improperly

upon checking report i notice fraudulent charges on my report. 
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 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 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
Complaint sub-issue: Account information incorrect

1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX XXXX the balance on this account is incorrect and I have never been late.
Complaint sub-issue: Debt is not mine

To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.
Complaint sub-issue: Debt is not yours

I tried to call US Asset Management and was unable to verify this so-called debt. I received THREE notices at the same address within the past week, one that I've never lived at. This is where my parents live! This is definitely a scam, as I've paid XXXX on time for years and years. Do not fall for this one. They claim I owe {$48.00} and give me all these account numbers and information, but I looked online and see there are others receiving this kind of notice for varying amounts.
Complaint sub-issue: Problem during payment process

Hello, I have a Discover Credit Card. I made a payment from my XXXX XXXX account for {$500.00} in XXXX of XXXX. I have used this account in the past with success. I initiated it through Discover 's mobile app. By the end of the month, the payment never reflected in my balance, but instead there was two " Returned Payment '' Fees. The money was for sure taken out of my XXXX account and never returned, and to this day Discover claims that I did not have sufficient funds ever. 

I opened a dispute with Discover and filled out their standard documents asking account numbers and explanation. I also provided them with multiple bank statements showing it left my account and never returned ( attached here also ). I did this for my XXXX statement for when the payment was initiated, but also, all the way up to XX/XX/XXXX. There was never a returned payment of {$500.00}. 

Eventually they closed my dispute for " not providing sufficient documentation '' even after posting all my statements and filling out their documents. This was late in late XXXX. I continued to call and they requested personalized letters from my bank to say that my payment cleared - but XXXX does not make personalized letters. I got to Discover 's payment department only twice since opening the dispute, and when they get to a point where I point on their balances, they say that they " need to look into it ''. They have hung up on me twice after I clarify that they've been there for months. 

As of XXXX, I called recently and they said " this is a XXXX case, and it is closed indefinitely. '' It seems that everyone I talk to now has no urgency whatsoever. I have thorough case notes on this Discover dispute that express I should be handed over to the payment department or manager immediately, but everyone has to start from the beginning each time I call and it's been no help. It feels like they are doing almost no investigation work since it seems each agent is stunned that there's tons of documentation despite the case being closed due to " insufficient documentation ''.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX
Complaint sub-issue: Information belongs to someone else

Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XX/XX/2019 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN. XXXX XXXX : The Home Depot Account Ending in XXXX To Whom May Concern : The reason for filing this complaint with your agency is due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusing to set up a payment arrangement on my Home Depot account ending in XXXX. 



Most importantly ; the customer service representative that I spoke with told me the account needs to go into default before they would consider any workout plan. I firmly believe, this plan is irresponsible for XXXX XXXX XXXX XXXX XXXX to offer that a customer account be reported delinquent instead of working out a payment plan. I am extremely disappointed in the way your company policy continually handles business. Not to mention the fact ; I even offered to pay {$120.00} a month payment plan and they referred me to an outside agency. 




Furthermore, I am requesting to have this complaint investigated thoroughly. I would like to thank you in advance for your prompt response and assistance in this urgent matter. 



Respectfully, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

In my previous dispute against Equifax, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.
Complaint sub-issue: Didn't receive enough information to verify debt

This collection agency ERC just put a debt on my credit report this morning for XXXX. I have not had a sprint account in almost 10 years. Not to mention they never reached out to notify me of anything just threw it on my report. This is not a debt that I owe and I want it removed NOW!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I purchased an airline ticket for XX/XX/XXXX via XXXX and used my XXXX credit card to do so. On the same day XXXX issued a ticket for XX/XX/XXXX. I immediately called them, told them they issued a ticket for the wrong day, and was rebuffed and told I was only entitled to a partial refund. That same day I filed a dispute with XXXX. 

Today, XX/XX/XXXX, XXXX told me that : - They would not dispute this for me because I have not cancelled the ticket that was issued for the wrong day. They also acknowledged that cancelling the ticket and accepting a partial refund would be tacitly accepting I was at fault, not the merchant and they would not help me in that case either. 
- Because the merchant claims it was purchased for the XXXX ( despite it being _immediately_ contested and disputed ) XXXX will XXXX with the merchant and not dispute the purchase. The only " counter '' to this is if I happen to have a screen recording of my purchase. This is an unrealistic, unmeetable standard of proof intentionally created such that no one could meet it. 

XXXX has, in essence, stated two separate ways that it it is impossible to dispute a purchase that was made but never delivered and left me with no avenue for resolution or assistance. They're skirting their responsibilities as a bank and card issuer and I'd appreciate any assistance you can lend to this matter.
Complaint sub-issue: Application denied

i was offered a pre approved ad to apply for a discover card on XX/XX/24 so i did they ran my score i was denied and they dropped my score 17 points o XXXX. it was a hard inquire but 17 points? i expect a few points but 17? thats insane any questions contact me
Complaint sub-issue: Information belongs to someone else

I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

I would like to have the account removed from my credit report.
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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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: Their investigation did not fix an error on your report

The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.
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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter from XXXX dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and XXXX immediately reported me to the credit agencies. My score went from the XXXX 's to the XXXX 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to XXXX, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. XXXX did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that XXXX does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.
Complaint sub-issue: Reporting company used your report improperly

Misleading and inaccurate information on my credit report.
Complaint sub-issue: Reinserted previously deleted info

Equifax re-inserted false, previously deleted information to my credit report. 
XXXX is reporting false information that we previously deleted due to false and incorrect information. Equifax altogether failed to notify me in writing within 5 days or reinserting and re-again false information to my credit report.
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/XXXX, my husband and I made an online reservation for a car rental in XXXX and paid for the reservation, using my AAdvantage Mastercard with Citibank. 

The receipt for the reservation clearly shows that the total amount for the rental would be XXXX XXXX ( approximately {$120.00} ). However, when I received my credit card statement, the amount charged by the rental company was about {$410.00}. 

I contacted the rental company but was not able to resolve the situation with them ( even though they did not provide any reason for the discrepancy ). As a result, I submitted a timely written dispute with Citibank. 

A few weeks after the dispute was initiated, Citibank acknowledged that the dispute was resolved in my favor. However, I received a credit in the amount of {$70.00}, which was incorrect. The difference between the rental charge I agreed to ( {$120.00} ) and the charge on my card ( {$410.00} ) is {$280.00}, and I should have received a credit for {$280.00}. 

I contacted Citibank about this numerously in writing, on XX/XX/XXXX, XXXX and XX/XX/XXXX. I also called a few times, but received no answers and no explanations. I believe the Citibank 's conduct is in violation of the Fair Credit Card Billing Act. I respectfully request your assistance with this matter.
Complaint sub-issue: Threatened arrest/jail if do not pay

Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense.