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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I moved into the XXXX XXXX apartment complex in the summer of XXXX. I began noticing inconsistencies in their contracts, verbal agreements and even in respecting our privacy. Many times the maintenance man brought people over to tour the apartment without giving us 24 hour notice or asking if we were comfortable. This individual has been accused of certain behaviors by my previous roommates, other tenants in the complex and myself. There were times things would be moved throughout the apartment that were not moved before, lights turned on that weren't before, etc. These would take place when no one would have been in the apartment for days at a time. During the summer of XXXX, XXXX was making it impossible for most of the world to be employed. Instead of understanding how I was one of the individuals that was unemployed and had paid my rent in advance, I wouldn't need to owe them any more money when it comes to my stay there. Many tenants had reported and still continue to report racial discrimmination issues with XXXX XXXX. I personally was charged double the rent of white tenants who had the same living situation as I did at the time. There were many false fees that they tried to charge me and my parents such as not having the apartment cleaned when I vacated the residents. I provided the company with detailed pictures of everything scrubbed and cleaned before moving out, I was then informed that I was lying about cleaning. This company NEVER takes responsibility for any of their actions especially when it comes to racial discrimminationn. The amount of times I have brought to their attention about the way they had made me feel or that their claims of owing them more money are completely false. There is a reason more people are coming forward about XXXX XXXX XXXX issues -- its a bunch of he says they say. There are more of them than he says. My credit is ruined because of the manipulation, violation of privacy and racial discrimmination that XXXX XXXX has placed on me and for that this complaint needed to be filed. They also took it upon themselves to forge my signature onto a new contract just to match what scam they were saying in the moment.
Complaint sub-issue: Used obscene, profane, or other abusive language

I was taken to court by the Jefferson Capital System, LLC. The judge ruled in favor of the plaintiff for me to make arrangements to pay off debt. I called on yesterday and spoke with a lady who did not identify herself. I told her the nature of the call and she became rude by calling me a liar when I explained my income of SSI. She continued to ask why I did not pay the bill in 2017 and I explained that my income varies from month to month. I became upset and got a little loud on the phone and the representative from Jefferson Capital System told me that I was not going to get loud in her ear because she had to work until XXXX and she was not going to have a headache and then she hung the phone up on me.
Complaint sub-issue: Personal information incorrect

My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. 

Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. 

At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. 

I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.
Complaint sub-issue: Can't temporarily delay making payments

I don't remember the exact date other than mid to late XXXX XXXX when I attended XXXX XXXX ( option was available on the pulldown menu when signing up ) I never finished schooling and had to drop out due to family problems. in XXXX I applied for a loan forgiveness program with Nelnet/XXXX   Discharge address U.S. Department of Education XXXX. XXXX XXXX XXXX, XXXX XXXX. 
I applied for this program. Had to submit documents regarding SSDI monthly payments as well as medical proof. I was approved and went through their 3 year monitoring period. The accounts I had 1 for {$13000.00} and a second loan account for {$8900.00} totalling {$22000.00} should have been discharged in XXXX. Fast forward to XX/XX/XXXX I decide to fix my credit scores and reports to get out of debt. I discover I now have these 2 loans reinstated and no reason why. I have since XXXX of XXXX repeatedly have requested information regarding the account. They told me the account was reinstated but that's it nothing else. If I want to do the XXXX  again I have to start all over. The only thing they have sent to me is the application but nothing else regarding the accounts. I am under the impression any and all lenders legally must give account access and information regarding any accounts owed otherwise they must legally discharge the loans/accounts immediately and remove from credit reports. I have asked numerous times now and still have yet to get any information. I have contacted a consumer attorney regarding this matter to see what can be done to be discharged ASAP. 


My account number is the only thing I have XXXX. No other information as of right now due to them not giving me access to my account
Complaint sub-issue: Didn't receive notice of right to dispute

There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I was an authorized user on my mother 's Discover credit card. She passed away in XXXX of 2022. The account is being reported on my credit report with late payments. I have written letters to the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account and the late payments be removed from my credit report. I have not received a response from the credit bureaus. This account was not mine. The account and late payments are hurting my credit score.
Complaint sub-issue: Investigation took more than 30 days

I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.
Complaint sub-issue: Threatened to sue on too old debt

I was in an accident in XX/XX/XXXX. I had a lawyer, XXXX XXXX XXXX who was authorized to handle my claim. All my medical bills was forwarded to him. I never received any information on any type of medical bills that were owed. On XX/XX/XXXX, I was contacted by letter stating : I owed over {$4300.00} in medical bills, to XXXX XXXX XXXX XXXX XXXX XXXX, to collect a delinquent debt. I had medical insurance at the time under my parents and car insurance. I was sent to this medical service by my lawyer. I had no intention on going to this company. I figured, I would go to them since the lawyer, worked with this company. I contacted my old insurance provider and the other victims insurance who was at fault. My insurance sent {$2500.00}, to the lawyer for medical bills. The other insurance, provided a sum of money to the lawyer for medical bills ( waiting to hear back ). I also tried to contact the lawyer at the time and he got his bars taken away ( no longer a lawyer ). I also had a friend who was involved in the accident, who had to get her bills taken care of. I missed work for some time and had no vehicle for over a month due to repairs. Why, did n't this company contact me after several months? They sent me papers on what they believe I owe, 9 yrs later! There is no account information of my insurance carrier, no information from my lawyer at the time and no accident claim number listed on the bill. 
I first, thought this was a scam because there is a lot of scams that go on with people owing money. I do not agree with this debt because 1 ) its too old 2 ) my lawyer got his bars taken away. 3 ) I am being harassed, for information that this company should have taken care of years ago. 4 ) They never listed my insurance company, claim number or any information of my accident. 
If they knew this was accident related, they should have put this information on the medical bill. It is not my responsibility to take down this information. I was not an employee at this medical center. If they did not properly handle their debt in a professional, timely, organized, manner why should I be held accountable for somebody else 's mistakes?
Complaint sub-issue: Information belongs to someone else

XXXX  reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX ftc violations
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX  # XXXX Does Not Belong To Me
Complaint sub-issue: Information belongs to someone else

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00}
Complaint sub-issue: Received bad information about your loan

I have been XXXX  full time in a XXXX  XXXX  for 19 years. I decided to earn my XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX certification. My original loan and XXXX XXXX was with XXXX College, SC. 
I submitted my first PSLF request that got denied based on wrong types of loans about 5 years ago. I had called my loan servicer XXXX XXXX XXXX   multiple times when the PSLF was announced being told by mulitple loan reps that I was on track for the forgiveness and had the correct loan. I was told to keep paying my minimum payment and at the end of 10 years the balance would be forgiven. So I was blatantly lied to. 
Then at the 10 year mark, I submitted the form only to be denied for the wrong loan types. I was then advised to move my loans to FedLoans service. They charged me about {$500.00} to consolidate my loans as well. I paid the consolidation fees and moved my loans. I have now paid on my loans for about 14 years. In the last couple months I found out about the Temporary Forgiveness Program so I was told to resubmit for PSLF and if it was denied I could then apply for the Temporary. The PSLF was denied yet again in XX/XX/2019. When I called to apply for the Temporary I was told yet again that I had the wrong loan types and couldn't even apply for the Temporary Forgiveness Program. 
Please help. Thanks.
Complaint sub-issue: Debt was result of identity theft

My identity was stolen and I am unaware of the origin or to whom this debt truly belongs to.
Complaint sub-issue: Information belongs to someone else

Someone has gotten access to my personal information, and it is wrecking my life and my credit.
Complaint sub-issue: Personal information

So after spending hours on the phone weeks ago because of a lock on my credit and told to fax my social card and drivers license in to remove it I did.. Then I was told EQUIFAX removed my name from my social. So I was then told weeks ago the lock was removed and all was fine. So I then went to my bank to get a loan and they did pull my credit. So I am thinking my credit is unlocked. WRONG! My Social number pulled up my dads info!!! We have the same name but I 'm a XXXX and he is a XXXX We live at the same address but my birthday is XXXX/XXXX/XXXX and his is XXXX/XXXX/XXXX! So how does my social now pull up his?! So I called personal solutions and they pulled up my dads credit with MY social. They said I need to merge it and sent me to the " mixed department ''. When I got there they pulled up my credit that is MINE and MINE only just to tell me there is still a lock on it! I said well when the bank and personal solutions department brought my credit up with my name of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX SC XXXX it brings up my dad. Well the " mixed department '' said they do n't see my dads but only mine. REALLY?! Also then I was hung up on by a " XXXX ''. I then called back and she was still NO HELP! How can ONE company with SO many departments bring up different credit reports on me but each department say I only have XXXX credit report and do n't know what to do about it???!!! I was then told to ONCE again fax my SS card and Drivers license and wait ANOTHER 48 business hours. 

My credit ONLY active accounts I have is a XXXX XXXX credit card with a {$4000.00} limit and a XXXX credit card with a {$7000.00} limit. THATS IT!!! Now if you look up my credit and if it has a mortage thru XXXX XXXX XX/XX/XXXX and a XXXX XXXX XXXX credit card from XX/XX/XXXX and a car loan thru a credit union in XX/XX/XXXX. THATS MY DADS NOT MINE! ..
Complaint sub-issue: Billing problem

I had a XXXX XXXX XXXX for 2 years never miss a payment of been late.. The car was total loss in XXXX in or around XX/XX/XXXX. I got in touch with my insurance company which was XXXX and they did there part as soon as they could and I was pleased with them and during that time I called to PNC bank to report the incident and they was in touch with my insurance company and worked everything out with the payment which they paid over XXXX and Gap insurance was paying the balance which left a little over XXXX. I spoke with PNC bank several times about the payments and to keep them informed and we kept each other informed about the process and PNC new they were getting paid and they proceed to place a late payment on my credit and knowing that they were getting paid and they new the exact date that the check would be process. I would like the late payment removed off my credit because I have never been late with any of my payments on anything and I think it is very unfair for them to place this on my credit.
Complaint sub-issue: Problem with customer service

Citibank Card Services failed to properly and diligently investigate a dispute. The company ignored documentations that I provided to them which were a clear and direct response to their requests. My dispute was closed twice in favor of the merchant by stating that they have not received any documentations. After my most recent attempt, the company refused to reopen the case. I have insisted to be contacted by phone by someone from their investigation team to explain their decision as to why the case was closed. No one ever tried to reach me to explain anything by writing or verbally. The only thing I received form the company were letters stating that the case was closed in favor of the merchant. It appears that the investigators of the company have biases that are partial toward their business partners and ignore all evidence provided by the consumer no matter how strong the evidence is. Such practices are unjust and unethical and it must be investigated. I have been a customer of Citibank for more than 30 years and I expect to be treated much better than this.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to removeXXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 

Credit Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

I did not authorize the above inquiries.