Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

In XXXX 2015 I discovered that I was the victim of identity theft. Someone using my name obtained XXXX credit cards using a XXXX, Oregon address. The total balance on these XXXX cards was around {$40000.00} ( XXXX XXXX, XXXX, and XXXX ( a credit union in Oregon ). I filed a police report along with formally contacting all XXXX credit reporting agencies and the XXXX credit card companies. I received written confirmation from each of the XXXX credit card companies that these accounts were fraudulently obtained. I subsequently received confirmation from the XXXX of the XXXX credit reporting agencies ( XXXX and XXXX ) that they had removed all information relating to these XXXX accounts. Equifax removed XXXX of the XXXX ( XXXX XXXX and XXXX ) but refuses to remove the third ( XXXX ). I have contacted XXXX directly who confirm they have now twice sent the confirmation of fraud to the XXXX agencies. I have put XXXX fraud investigations in with Equifax XXXX written, online, and over the phone and I keep getting the same response that the XXXX account " belongs to me ''. I have attached as evidence the letter I received from XXXX in XXXX, 2015 verifying that they view this account as fraudulent. This letter was faxed ( and verified as received ) to Equifax on XXXX/XXXX/2015 but they continue to list this on my report. 

It is clear to me that other information from Equifax is erroneous and not consistent with that seen with the other credit reporting agencies. Both XXXX and XXXX list my current employer as XXXX which is correct as I have been an XXXX here for 4+ years. Equifax lists my most recent employment as XXXX. This was a position I held 30 years ago as a college student.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I signed a registration for a repatriation fight from XXXX to XXXX XXXX offered for a travel agency named XXXX XXXX. 
I received an email letting me know that they received my registration to flight on XX/XX/XXXX. and I needed to make the payment right away to secure my seat, which I did for a total of XXXX, without noticing that the email said XXXX to XXXX not XXXX XXXX. 
When I noticed my mistake I called the agency but I couldn't get anyone on the phone, so I sent them an email asking not to put my payment trough. 
I also called the credit card company " City Bank '' requesting to stop the payment, they told me that they could not see my charge yet and I needed to wait for it to show on their records. 
When the charge showed on my account the only option I had was to open a dispute which I did. But the travel agency has denied my claim. 
Later on I found out the only way to contact this agency is through a XXXX account that they provide you after you go through all the buying process. 
My problem is that I had done all these communications using my phone and I do not have records of some of them.
Complaint sub-issue: Old information reappears or never goes away

Equifax has added several items back to my credit report items that were previously disputed and removed from report, Equifax did not provide a 3 day notice to me notifying me that this action was taking place ... 
1 ) XXXX XXXX XXXX XXXX account number XXXX****** item was removed from report in XXXX following a dispute item reappeared on report XX/XX/XXXX showing a report date of XX/XX/XXXX no historical payment information included I have previous credit report all dated over the pass 2 years without this account appearing on them 2 ) XXXX XXXX XXXX account number XXXX Previously removed following a dispute in XXXX item reappeared on report without any notice from Equifax ... Shows a reported date of XX/XX/XXXX however item has not appeared on credit report in over 2 years
Complaint sub-issue: Reporting company used your report improperly

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

XXXX XXXX- payment of XXXX due as of 2017. 
I have been to the doctor once this year and I have insurance. And I have paid the remaining balance in full. Im unaware of what to do. Or where this even came from. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.
Complaint sub-issue: Account information incorrect

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment Document password - XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Someone opened an account with  XXXX   XXXX  using my information in  XXXX   XXXX  and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. The account number is "  XXXX  ''.     In  XXXX , I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. I want to add that this account is not even reporting on  XX/XX/XXXX  and   XXXX    anymore. They deleted it from my report so I do n't understand why Equifax is refusing to address my concern.
Complaint sub-issue: Information belongs to someone else

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$1000.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$50.00}
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Complaint sub-issue: Reporting company used your report improperly

It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
Complaint sub-issue: Information belongs to someone else

I just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.
Complaint sub-issue: Transaction was not authorized

Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. 

PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. 

Please note, PNC did not contact me re this. 

I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. 
That night, I contacted the Police, filed a police report # XXXX. 

I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX  XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks.
Complaint sub-issue: Problem using a debit or ATM card

My complaint is on Citibank. 
XX/XX/2020 .I was paying my rent online and mistakenly overpaid {$3300.00} to XXXX company which I immediately canceled a few seconds after it was submitted. Called XXXX company to be certain and was given a photoshot that it certainly was. 
Called Citibank to make them aware and was told that since my pay was canceled ... it will be debited back to.me in 3 days. 
I waited 3 days. None Called Citibank again and was as asked if I want to dispute it dispute it. It's been past 3 days. 
I said yes I want to go for a dispute..was told it would take me 10 days.. it's already past 10 days today. 
XX/XX/XXXX today, and I called Citibank since the disputed amount still isnt back to my checking account.. mind you this now is half a.month ... 
I was told that i should have responded to an email from their dispute center which I havent received and was told that I had to respond back to dispute center to acknowledge that I want my issue disputed, and since I didnt, they disregarded my dispute I wasnt even told about this in my previous communication with Citibank, going forward i emailed Citibank disputes Department and was.adviced that I'll be getting a received your e.ail response. Over 12 hours has passed and I still didnt get get a response like received email by Citibank dispute Department. I checked my dispute center in mobile banking to see a record of my complaint .. none. That money is for my daughter 's tuition that I have worked hard for. Please help me get it bac k. I want Citibank to give me my hardearned money ( {$3300.00} ) back to my checking/debit account.
Complaint sub-issue: Their investigation did not fix an error on your report

I found a bunch of credit inquiries on my report from a bunch of unknown companies on my credit report. I need these removed asap
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I owe a {$140.00} balance, Ally Financial called 24 times in a row.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Didn't receive advertised or promotional terms

In early XXXX I accepted a XXXX XXXXXXXX credit card offer from Commerce Bank. The offer was for a {$150.00} cash back redemption to be applied to my credit statement within 6-8 weeks of making a purchase of over {$1000.00}. A purchase of {$1800.00} was made on XX/XX/XXXX, and I've made above the minimum payments since then, which was another condition of the offer. As of today, XX/XX/XXXX, I have not received my cash back redemption, which is around 18 weeks after I made the required purchase. I spoke with someone at the company on XX/XX/XXXX and was told a decision would be made within two business days. I have not heard back from them and according to my account, I have not been awarded XXXX points ( the equivalent of {$150.00} ) or had my account balance lowered by the promised {$150.00}. I sent an email to the contact on their website on XX/XX/XXXX, and someone named XXXX XXXX responded with the following message : " Upon consulting with a separate credit card area, we have been advised that XXXX Reward points have been manually added to your account. '' That has not happened. I brought this to his attention and he has not responded. My guess is that they plan to award the points only after I've paid my balance down below {$150.00}, thus forcing me to redeem the points for a one of their gift card offerings instead of actually applying this amount to my balance.
Complaint sub-issue: Can't use card to make purchases

Hello why play with my credit if yo not fixed then i need only go to court 1 XXXX XXXX XXXX is not my credit card 2.XXXX XXXX closed account is outstanding that is not my card 3. Age of credit is wrong info there 5. XXXX XXXX is not my call me ... .XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Have XXXX  hard inquiry on my credit report thats fraudulent I have never had an account with neither and neither did I try to apply for credit and Im requesting for immediate deletion CBNA and XXXX XXXX Bank
Complaint sub-issue: Reporting company used your report improperly

My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Ref : XXXX Account # : XXXX I am an XXXX account holder. The debt that alliance one is trying to collect should have been immediately applied to my XXXX prepaid account, as my license plate is and has always been tied with my XXXX account. Not only that, but the transponder was on hand when I passed the toll ( so I am confused why it even went to alliance one ). 

My XXXX account # is : XXXX My XXXX transponder # is : XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN XX/XX/2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX/ XXXX XXXX ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX
Complaint sub-issue: Billing problem

MY ISSUE IS WITH REGIONAL ACCEPTANCE CORPORATION ( RAC ) BASED IN XXXX NC. THIS IS AN AUTO LOAN BUSINESS. I DONT HAVE ANY CONTRACT OR AGREEMENT WITH THIS COMPANY. I MADE A CAR PAYMENT FOR A FAMILY FIREND AND ( RAC ) KEPT MY DEBIT CARD INFO AND TOOK OUT MONEY AGAIN A FEW WEEKS LATER WITHOUT MY AUTHORIZATION OR KNOWLEDGE. I HAVE CALLED THEM SEVERAL TIMES AND THEIR CUSTOMER SERVICE HAS TOLD ME SORRY CANT DO NOTHING FOR YOU. 

DATE OF CHARGE XX/XX/2019 {$470.00} PLUS {$25.00} OVERDRAFT FEE FROM MY BANK AND NOW MY BANK ACCT IS ALMOST NEGATIVE XXXX THANKS TO ( RAC )
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Complaint sub-issue: Company closed your account

I submitted a complaint XX/XX/2020 inference to a account with PNC Bank. Complaint # XXXX. 
I was called inference to this account and inturn received a email that said that I could not be reached. 
I had a 20 minute conversation on XX/XX/2020 XXXX XXXX. 
She informed me that she had spoken to the teller and the teller claimed that {$460.00} was never in my account. 
I told her that I had a recorded call saying other wise. I also having a police report with a recorded body cam proving that the funds was infact there. I've had several amounts of money over time missing out of my PNC account also receiving calls of impersonators using bank employee names and having access to my information and account information. This situation has not been resolved. And my account has been closed.