Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been in USA two times as XXXX student ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXXDuring first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXXSecond trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXXFrom XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about DISCOVER BANK account which was open ( according to XXXX  credit report ) XXXX XXXX, XXXX with a credit limit {$4500.00} and current balance XXXX $ .I have never apply for Discover credit card/never received and never use ANY of Discover Bank credit cards. I physically lived in XXXX-it 's no way for me to used this card. I called Disvover fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX county that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from XXXX XXXX and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and XXXX and Equifax keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.
Complaint sub-issue: Personal information

On XXXX XXXX, I applied for a second mortgage and all was great. On XXXX XXXX, I was informed by my credit union that the credit reporting agency told my bank that I now have XXXX social security numbers associated with my name. I then began the process of having this matter corrected but can not get it done with the countless faxes, copies and emails and phone calls. Equifax seems to be the company causing this, the other XXXX companies seem to have corrected this problem. I and my wife have now been denied credit on XXXX separate accounts. Also, they refuse to give me any case numbers to make matters worse when I try to discuss this matter with them. 
I appreciate any help that you can give me to correct this horrific situation.
Complaint sub-issue: Information belongs to someone else

On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!
Complaint sub-issue: Account information incorrect

Loan care is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.
Complaint sub-issue: Information belongs to someone else

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that XXXX  this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Complaint sub-issue: Information is not mine

Ive initiated several disputes with Equifax over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.
Complaint sub-issue: Account information incorrect

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a ZERO balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 Equifax ran a 'hard inquiry ' of my credit without my knowledge approval or authorization. The inquiry was from XXXX XXXX  ( XXXX XXXX XXXX ). I have spent hours on the phone with both Equifax and XXXX XXXX to no avail. Equifax states it is not their problem and that XXXX XXXX must request to remove the inquiry. I have filed a complaint with XXXX XXXX but I am doubtful it will be handled in the correct manner. Equifax says my address is incorrect instead of XXXX XXXX, Utah ( XXXX ), where I have lived for over two years, they show XXXX XXXX XXXX, Utah with a different zip code.
Complaint sub-issue: Investigation took more than 30 days

The accounts were unknown to me. I came across this law today and according to the 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 letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

over 10 years ago, addressed populated on my Credit Report from a in Northern New Mexico, I have never lived there. A report was made as Identity Theft and the addresses came off. In the last 2 weeks similar addresses populated on my report. I filed a dispute with Equifax and received an email saying they had been resolved. When attempting to log back into my account it kept telling me I had to contact them directly. Today ( XX/XX/XXXX ) I spent over an hour on the phone with them, after the could not verify who I was and speaking to 2 different agents, they told me that the first dispute was not taken care of and that he would be assisting me with it then and there to have the addresses removed. My second dispute was because I found a hard hit from XXXX XXXX XXXX on my report, I have never had an affiliation with XXXX XXXX XXXX and have not authorized a credit pull on my credit. The agent stated I would have to contact XXXX XXXX XXXX so THEY could take the hard hit off my credit. When I questioned the agent about that, he became upset and told me if that wasn't my inquiry I shouldn't have any issues contacting XXXX XXXX XXXX and having them remove it. In the XXXX XXXX XXXX forums, many have had this issue and have been told by XXXX XXXX XXXX to contact the credit source to have the inquiry removed. This is a huge circle that is not being resolved. I am working hard to have my credit better and issues like this do not help me or others. Neither company is taking responsibility for any issues and THAT is a huge problem for me!
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a call from the phone number XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2021 from a person saying they were from US BANK offering a credit card offer that I had received in the mail. The man on the line began with some small talk about being in XXXX and talking about the weather. Feeling reassured, I consented to being recorded and to opening the card and the man on the line who had already said my full name and address asked me to state my address, birthday, cell phone number, employment status, yearly income, and last 4 digits of my social security number. When he said that my connection was getting bad and began to sound frustrated so he said he though he had a solution and hung up. I realized when he did not call back that it had been a scam.
Complaint sub-issue: Can't get flexible payment options

ECMC would like me to apply for loan consolidation and loan rehabilitation with Income driven repayment plan. Under the new Income driven Payment plan ECMC would like to change the interest rate of my loan from fixed 3 % to 18.5 % I do not accept the terms of their loan consolidation. My loan is fixed 3 % for the life of the loan. 

I do not have the ability to pay. I am not going to accept a new term and new interest rate from a company.
Complaint sub-issue: Investigation took more than 30 days

I have sent several correspondences in regards to incorrect information on my profile. It has been well over 45 days.
Complaint sub-issue: Information belongs to someone else

I have several accounts that I have no Knowledge of. Please refer to the attachment for a detailed description of the matter at hand.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.
Complaint sub-issue: Information belongs to someone else

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX payments sent several times before but in XXXX - XXXX the funds were not received by the recipient. The bank shows it being withdrawn but cant say where is went. The money is missing from my account and not received by the recipient as it usually does. Nothing changed from one transaction received to the ones that didn't. The bank doesn't know and says call XXXX  and XXXX says to call the bank. Where did the funds go
Complaint sub-issue: Debt is not yours

On or about XX/XX/2019 PDQ Services INC located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX Placed a debt on my credit report that does not belong to me, I was never contacted by this company or received any correspondences from PDQ SERVICES INC I have never heard of them this negative account that was placed on my report does not belong to me.
Complaint sub-issue: Keep getting calls about your loan

Discover Student Loans are engaging in harassment. They call me between 4 and ten times per day and leave harassing voicemails daily. I can't have my phone on me at work anymore because Discover is calling me so many times back-to-back.
Complaint sub-issue: Account information incorrect

Fed Loan Servicing i paid in XXXX Fed loan is not reporting correct as the virus effected accounts with fed loan. i have paid all payments on time. I have not had late payments
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My wife and I purchased a XXXX XXXX from XXXX in XXXX XXXX TN on XX/XX/2018. We signed for a credit inquiry, and eventually accepted financing from XXXX XXXX. Several weeks later, we noticed a substantial drop in both our credit scores. As part of the loan process, there were 8 hard inquiries on each of our credit histories. The dealership did not disclose their intent to make multiple inquiries, and we would not have authorized that many. We only ended up taking a single loan from XXXX XXXX. One auto loan should not result in 16 hard inquiries, and that much damage to two peoples ' credit scores.
Complaint sub-issue: Funds not handled or disbursed as instructed

I and my husband have few accounts with Discover bank. Checking account with debit card although has my husband 's name on it has my social security deposited into it. I exclusively manage all accounts. From that checking account I instituted monthly payment for my car to XXXX XXXX in the amount of {$500.00} to reach by a due date of XX/XX/XXXX of each month. For some unknown reason payment in XX/XX/2019 was not made on time and I made an order for electronic payment on XX/XX/2019. Discover usually mails a check. That belated checked XXXX attempted to cash twice until I called them and told them that since they received an electronic transfer there is not money to cash the check because funds were exhausted in that electronic transfer. Yet Discover mailed me by mail and through secure message center on line sent me notices about " insufficient funds. '' XX/XX/XXXX payment was cancelled altogether although Discover claims that it was me or my husband who cancelled the payment which is a lie. At this point it is clear that Discover acts as a fraudster.
Complaint sub-issue: Keep getting calls about your loan

Continuous calls about loan forgiveness and economic impact plans. 

I do not have any issues repaying and am being targeted by scammers, as are many other lenders.
Complaint sub-issue: Trouble closing card

I initially did not receive the credit card in the mail for several months. I was not able to make payment in the online system. When I tried to close the prepaid card, they told me I could not. Now, I have late payments on my credit report that I have requested be removed with no response from the company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I noticed something wrong on my credit report I notice a company by the name of LJ Ross Associates was listed and stated that 2 account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them ( 1st account ) {$70.00} and the ( 2nd account ) {$1900.00} which is not true at all, I have no clue of what this is. So I sent LJ Ross Associates a dispute letter on XX/XX/XXXX no response sent another letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt there is nothing with my signature on it making this phony account legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks