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

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

i requested a credit card increase and then noticed other inquires on my credit i dont recognize. 


XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FRAUDULENT INQUIRE INFORMATION OM MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND JUST GOT A CONPUTER GENERATED RESPONCE I NEED THIS INVESTIGATED CORRECTLY AND REMOVED FROM MY FILE ASAP XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX ( AZ ) XXXX XXXX ( AZ ), XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX
Complaint sub-issue: Application denied

CITI bank denied application due to unknown reason. Please see copy of attached letter.
Complaint sub-issue: Information belongs to someone else

I have a fraudulent hard credit inquiry on my equifax credit report that needs to be removed. It is listed as : " XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL '' I do not, and have never, had any XXXX services, I am not anywhere near florida or ohio, and I did not at any time authorise a credit check by XXXX. I am unable to contact XXXX, there is no phone number listed on the report. I contacted equifax, but I was told to contact XXXX and dismissed.
Complaint sub-issue: Reporting company used your report improperly

I have heard and read about the recent credit report and social security number leaks from Equifax, and am concerned about the security of my social security number and my credit information. I have also attempted to check to see if I was affected by this info leak, and then discovered that Equifax has been randomly generating screens that say your information was or was not compromised regardless of the information entered. This is especially concerning, as it implies that Equifax is not even aware of exactly who did or did not have their information compromised. 

I would like to take every step to ensure that my information is made secure again if it was compromised, and I would like a detailed explanation of how this could have happened, how it will be prevented, and how I and others who had their information compromised will be made whole again.
Complaint sub-issue: Personal information incorrect

I submitted a research request for credit file confirmation # XXXX to have addresses that I have never lived at removed from my file. I included a letter requesting the incorrect information be removed along with the required proofs if identity. I have now received credit file conformation # XXXX and the incorrect addresses have not been removed. The incorrect addresses are XXXX XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I received an email from Credit Karma saying I was invited to see what I would pre-qualify for regarding a consolidation loan. It said it would not affect my credit score and it was just a prequalification. Instead it send it to a bunch of lenders who altered me down, which I expected, which is why I never would have lied in the first place, and now each one of those is hitting my credit report. They have managed to have at least XXXX to XXXX Companies I never applied for deny me loans I never asked for. I never gave out my personal information but I guess credit karma already had it and use that to send the loan lenders. I want the inquiries take it off my credit report and I wont credit karma says stop Bait and switch people. It is obviously clear from their marketing that they want to miss lead people. I screenshot it everything that I receive so that you can see how misleading it is.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly contacted Equifax to " remove '' a dispute comment from my credit bureau, because I am trying to refinance my house and the mortgage lender will not move forward with my loan until the dispute status is removed. Every time I've called Equifax, the representative on the phone can hardly understand what I'm saying to them. The result turns into them adding another dispute to my credit bureau. I just checked my credit report this morning and found out that not only has the original dispute not been removed, but now EVERYTHING on my credit report is being disputed! I am so blown away at this and it is preventing me from refinancing my home! I don't know what else to do. I certainly don't want to contact Equifax directly and make this situation even worse ( because that's what has happened already ). I'm simply trying to remove any disputes from my credit report, and they ended up adding  a dispute to everything ... including my current accounts. This is bad enough, but then I noticed that it also lowered my credit score by 34 points! If I don't get this removed soon, I will have to do more investigating and maybe try to hire a lawyer to help me ( which I really don't have the extra $ for ). Please help me correct this? I am REALLY needing to refinance my home soon to consolidate debt and get myself and my family  into a better financial situation. 

XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.
Complaint sub-issue: Information belongs to someone else

Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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 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: Information belongs to someone else

Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax o ver 20 times con cerning the vast amount of Fraudulent Accounts on my credit Report. I have submitted FTC Identity Theft Affidavits, Police Reports, etc. and I have received the run around about having the fraudulent accounts removed. The following accounts are fraudulent and have been reported to the police and the FTC : Accoun ts : 1  )  XXXX  Acct #  XXXX  {$1200.00} 2 )   XXXX   XXXX   Acct   # :  XXXX  {$0.00}  3 )    XXXX   XXXX  Acct  # :  XXXX  {$0.0 0} 4 )   XXXX   XXXX    XXXX   Acct # :  XXXX  {$1200.0 0} 5 )   XXXX   XXXX   XXXX  Acct # :  XXXX  {$2900. 00} 6  )   XXXX   XXXX  t Acct # :  XXXX  {$990.00}  7 )    XXXX   XXXX   XXXX   Acct #  XXXX  {$92.00 } 8 )    XXXX   Acct # :  XXXX  {$840.00} Unauthorized Inquiries  : 1 )    XXXX   -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX  )   XXXX     XXXX  & CO  XXXX / XXXX / XXXX   3 )   XXXX    XXXX    XXXX / XXXX / XXXX   4  )  XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  Police Report is attached
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My name is XXXX XXXX. On XX/XX/XXXX I purchased a vacation package ( flight & hotel ) for {$1800.00} to XXXX XXXX. As the pandemic was unfolding XXXX emailed me and said they canceled my hotel and I should contact my credit card holder for assistance. Then 2 hrs later XXXX canceled my flights. XXXX refunded my flights to XXXX. Immediately, XXXX 's on line site went down and phone lines had the recording stating the same as the email I received. I am on my 3rd round of disputing this charge with CITI Card at billingdispute@citi.com. I started my dispute XX/XX/XXXX. On XX/XX/XXXX I called on the dispute cause I had not heard anything for 2 months. I was told they notified me they needed more documents. I said I had not received an email or phone call. They said they notified me on their on line site under e-communications which I knew nothing about this link! I would have monitored it if I did! I mailed all the docs they said they needed on XX/XX/XXXX. Yesterday XX/XX/XXXX I went on line and it said it was ruled in merchant 's favor. I called and asked HOW did they determine that? Again, they needed more docs!!! Everything they asked for again I had provided and they said it was not there! This time they also wanted a letter from me stating I had received no funds or compensation in any way for the trip. Last night ( XX/XX/XXXX ) I emailed everything this time so I can pull up the doc to show them it is provided!! Now waiting for round 3. It is dispute no. XXXX with CITI BECAUSE of charging me and no delivery or refund from XXXX
Complaint sub-issue: Information belongs to someone else

There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.
Complaint sub-issue: Their investigation did not fix an error on your report

i have tried multiple times to have incorrect information removed from my account. Instead of removing incorrect information, Equifax keeps changing the status and not removing my complaints.
Complaint sub-issue: Information belongs to someone else

I have been battling with Equifax since last year because of their unlawful and unauthorized reporting. To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. My last communication with Equifax was on XX/XX/2022, where once again ( previously submitted XXXX XX/XX/2022 ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed several complaints and they have replied what seems to be an automatic and generic response while violating my consumer rights and violating the laws by which they need to abide. 
I have submitted complaints # XXXX, XXXX, and XXXX which are now closed, and nothing has been resolved. 

In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Equifax continues to reply " verified '' by default to my disputes. 
I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX XXXX  and Equifax did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Equifax XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they have reached out to the company and it could take up to 60 days! 

BY LAW, EQUIFAX WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.
Complaint sub-issue: Having problems with customer service

Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XXXX has the worst customer service and would not help me resolve my issues with them. 

They are currently asking me to pay $ XXXXmonth towards my student loans which I can not afford. I tried speaking with them about other options in XXXX XXXX. They suggested the income-base program and also mentioned the public service loan forgiveness program as well to drop down the interest and make 120 monthly payment and the rest it would be forgiven. 

I faxed in the necessary paperwork to them to apply for the programs. A month later ( XXXXXXXX XXXX ) the update was that I can pay a certain amount first to get caught up to not be past due and then start the programs they had to offer. I told them I could n't afford to pay the amount they were asking for because of the situation I was in. They told me that they could n't help me with lowering that payment. 

Months past and still no update if they could work with me. Then finally Hurricane Harvey hits my home and I lost everything. I called them to see if they could do anything and the only thing they could do was not charge a monthly payment on my account. I asked them did they have a solution about lowering the monthly payments and the rep said that they would call me and let me know what the supervisor can do. 

I have yet heard from the XXXX and they are destroying my credit. I am trying to get back on my feet due to Hurricane Harvey destroying my home and personal belongings.

The Hurricane took away my belongings and home and XXXX is hurting my credit to get approved on replacing damaged clothes, house, furniture, so now Im stuck and do n't know what to do.
Complaint sub-issue: Debt was result of identity theft

I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF ED XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The issue concerns my dispute with XXXX XXXXXXXX, XXXX and it's processing by Citi dispute department. The dispute was partially closed with an explanation that I missed a deadline of XXXX to provide supporting second opinion. In addition, it appears that Citi required me to hire a contractor for evaluation without intent to use the result of evaluation despite it was submitted before deadline, possibly due to miscommunication between different parts of the dispute department. As result I incurred {$190.00} of unnecessary expense. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In their response to my complaint to CFPB dated XX/XX/XXXX Citi alleged that I missed the deadline of XXXX to submit additional documentation as requested by Citi on XX/XX/XXXX. This claim is incorrect as the deadline was subsequently extended. On XX/XX/XXXX, after my initial response, Citi sent an email further clarifying what they expected in case of a contractor dispute and extending the deadline to XXXX. Verbatim, Citi requested proof that the merchandise/service was not as described. This proof needs to be a review from a second similar merchantDue to timeframe issues please return the requested information by XX/XX/XXXX. The clarification email from Citi is attached, together with my response on XXXX at XXXX providing requested second opinion letter. Despite being submitted on time, according to recorded phone conversations with dispute department, the letter was scanned after the dispute was partially closed.
Complaint sub-issue: Account status incorrect

While enrolled at XXXX XXXX University, my student loan was incorrectly accelerated so that my payments became due. As a result, my credit report shows that I have 6 missed payments despite being current on all other payments
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had an a  XXXX / XXXX  account 7 years ago. I canceled my account 7 years ago.   XXXX   continues to request my credit report from  XXXX , and Equifax. Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.
Complaint sub-issue: Information belongs to someone else

An account was opened with the creditor on XX/XX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, XXXX XXXX XXXX has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.