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

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " I Q Data International INC account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, XXXX  nor the creditor, I Q Data International. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, XXXX  and the creditor, I Q Data International, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and XXXX.
Complaint sub-issue: Information belongs to someone else

Someone fraudulently opened 4 XXXX XXXX credit cards in my name that I just recently found out about and have been in contact with XXXX XXXX to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. XXXX XXXX is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contracted with XXXX XXXX to help me clean up my credit.  They worked diligently on my credit and I now have a good credit rating with XXXX and XXXX, but my Equifax report still has numerous complaints on it that were due to be removed this last XXXX.  They are still there.  I tried to access their web site for complaints but it just went to blank page.  I want them to drop those old complaints that have expired from my report.
Complaint sub-issue: Information belongs to someone else

To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX CARD in XX/XX/XXXX was fraud and XXXX  XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a discover XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and discover as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX but it is still showing on my XXXX  credit profile.
Complaint sub-issue: Information belongs to someone else

I checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was XXXX Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF in accordance with the Fair Credit Reporting act 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: Information belongs to someone else

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS XXXX DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN ACCOUNTS 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 THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Complaint sub-issue: Information belongs to someone else

three fraud accounts and inaccurate account are reporting under my equifax credit file. only equifax is the one who is reporting these inaccurate and fraud account under my name, please find attached my police report which shows i was a victim of ID theft at some point and also the FTC report, that i had faxed and mailed to equifax. thank you for your cooperation in this matter
Complaint sub-issue: Information belongs to someone else

May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work XXXX hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.
Complaint sub-issue: Account information incorrect

I sent my letter off on XX/XX/2022. 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. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer 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 accounts were 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. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : THE XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Complaint sub-issue: Problem getting my free annual report

Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I mailed a letter requesting an investigation of inaccurate accounts on my credit report. I never received a response so on XX/XX/XXXX, I mailed another letter addressing that. Still no reponse, so I mailed another letter on XX/XX/XXXX. It is now the middle of XXXX and I am still being injured by these accounts. NO RESPONSE
Complaint sub-issue: Information belongs to someone else

I called Equifax on XX/XX/2022 to get XXXX accounts removed ( one alleging {$8000.00} and another {$9800.00} ) from my consumer file that I did not authorize to be on there. Equifax assumed this role of assembling credit worthiness and were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Equifax fail in the initial investigation of this information. Equifax also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Equifax did not insure that this information is accurate, and did not exercise their grave responsibility with fairness and impartiality. Equifax never consulted with me to find out if this transaction even took place. As a result of this, my privacy was breached, and this violated my right to privacy.
Complaint sub-issue: Account information incorrect

Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.
Complaint sub-issue: Problem using a debit or ATM card

In accordance with uniform commerical code section XXXX the right to dispute charges on my banking account. Upon return from Basic training with the US military, Id located charges on my banking account for XXXX wireless. The only phone provider I have is with XXXX wireless which is provided by my aunt and uncle so no payments should be coming out. Upone review I contacted PNC bank to inform them that my bank account had become compromised with sprint wireless charges. I wrote a statement attesting to the fact and mailed it to PNC. PNC has failed to open and assist with the disputes of the fraudlent charges. I did not consent to XXXX debiting my account, As protected consumer that is a natural person as defined in Title 15 US Code 1692 ( e ) ( 5 ). I am rescining any credit my credit card issued by the social secuirty administration has extended to PNC for failing to protect my banking account while I enlisted to serve this great country. I expect the fradulent charges to be revered to my checking account.
Complaint sub-issue: Received bad information about your loan

My student loan processor, Nelnet, has provided me with incomplete and confusing information, in my opinion to intentionally mislead me into consolidating my loans even though this then disqualified me from Public Service Loan Forgiveness. 

I have been pay my loans since XXXX and have been enrolled in plans intentional so that I would qualify for public service loan forgiveness. 

As recently as yesterday I was again told by, this time XXXX XXXX,  that I do not have any direct loans and need to consolidate my loans again. As I started this process I was then informed by Nelnet that I do have direct loans and I would have qualified but that Nelnet consolidated my loans in XXXX and that restarted the clock on my PSLF. In XXXX I was enrolled in PSLF and also a payment plan that qualified and have always worked in public service for a qualified employer. So I asked the Nelnet worker why would anyone consolidate their loans if they are working towards PSLF. The worker reported there is no reason to have consolidated, that is does not reduce your payments and there is literally no benefit to doing this. He said many many people do consolidate and he does not know why anyone would. 

Why if there is no benefit to consolidating federal student loans other that setting back the clock on the PSLF, which is only a benefit to the loan processor are these companies allowed to mislead their consumers into consolidation. 

Again I was told I had to consolidate to qualify for PSLF, this was not true and instead it set back the clock for PSLF by 8 years. 

I believe these loan servicers are intentionally misleading consumers into these consolidations. The numbers of people that have consolidated even though, by their own admission there is literally no benefit to this is proof of this. 

Please look at the number of people that have been mislead into consolidating their student loans by predatory practices as this causes a huge amount of debt to many students, public servants and probably is responsible for great increases in the national student debt.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Problem making or receiving payments

I have XXXX checking accounts with Citibank- one that is my own, and a XXXX checking account with my partner. Initially, when we opened the accounts, we asked the accounts be " unlinked '' so we could have two separate cards. 

I set up two recurring transfers between my individual checking account and the joint account, set to deliver on the XXXX and XXXX on the XXXX of every month, for {$1000.00}. 

But when the accounts were unlinked the transfers were deleted from my online account access. Since XXXX I have not been able to see these future transfers anywhere on my upcoming online " future transfers. '' When I called about this, the citibank representative assured me that the recurring transfers had been canceled because our accounts were unlinked. 

However, the transfers HAVE been pulled from my account, despite my inability to see them. As a result, every two weeks since XXXX I have had an unauthorized transfer pulled from my account. I am unable to manage or cancel these, because they don't show up anywhere on my online account management. 

I have called Citibank multiple times to ask these transfers be discontinued since I am unable to access them on my own : I called on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I have spoken to multiple supervisors XXXX XXXX, XXXX, XXXX XXXX who assured me the transfers were canceled, however, they continue to be withdrawn from my account. Each time I call, I spend upwards of 30 mnutes on the phone having my account reviewed, each time I am told this is resolved, and every two weeks the issue persists. Each time, the supervisor I have spoken to says " they aren't sure why the issue persists. '' I am at the point of canceling my accounts with citibank just to avoid this issue persisting. I am a new parent on XXXX  leave, so it's difficult to spend long stretches on the phone with them, and because my XXXX leave payments come from different sources at different times, having surprise transfers pulled from my accounts often results in my account becoming overdrawn unless I make sure to check it every XXXX and XXXX. 

On XX/XX/XXXX, I spoke to XXXX, who informed me that the issues has persisted because the former representatives were accessing the wrong platform, and that in fact the transfers were never canceled. He assured me this time they were canceled, however, because this issue has persisted for over 6 weeks, I am skeptical about this and worried that the money will continue to be pulled from my account and this cycle will continue.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed their system to be breached resulting in the loss of highly sensitive personal identification information on 143 million consumers. That is approximately 57 % of the entire 18 and older population of the USA. The information lost is a keystone on the USA financial industry and puts the consumers and the USA in significant danger. The current reaction from equifax is wholly inadequate. Who is protecting us and how will equifax be held accountable
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Discover XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX