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

I recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN,  and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. Equifax, neither XXXX have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and Equifax, and XXXX have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for EQUIFAX and XXXX to Permanently Delete ALL fraudulent items from my credit reports.
Complaint sub-issue: Company closed your account

I have a account on the Albert app, on XX/XX/22 I tried to use my card and it was declined. When I opened up my app it said my account had been closed with the funds being transferred to my connected external XXXX account. There is {$1000.00} in that account. You cant contact Albert by phone only through text everytime I hear from them they say be patient I feel like I have been scammed by them as this should be a easy fix days for by before they say anything and its the same thing every time were looking into it be patient its now XX/XX/22.
Complaint sub-issue: Reporting company used your report improperly

I asked CoreLogic/Credco. To know which methods they used to verify such information on my credit file. And what where they reporting to the credit companies and there responses was they cant give me the information that I requested
Complaint sub-issue: Information that should be on the report is missing

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Hi, I have received an email from Equifax stating that my personal information was hacked. this is the comments " XXXX XXXX Americans have had their personal and financial information compromised by hackers in a data breach at Equifax, XXXX of the country 's largest credit reporting bureaus " ..They provided a link where you can check if you was affected, which I did. 
XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I did went to the website or link and entered the information requested : Last name and last XXXX digit of my SS # and after that said '' Thank You. Based on the information provided, we believe that your personal information may have been impacted by this incident.Click the button below to continue your enrollment in TrustedID XXXX. 
Enroll For more information visit the XXXX page. " Which I did. However, I am really worry that this data breach can be worst than I expected. Also, I do not for how long they will provide the TrustedID XXXX assistance which is not clear ... and I doubt it that they will provide the service or insurance for more than a year. Thanks and regards
Complaint sub-issue: Investigation took more than 30 days

The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have had a Keybank credit card since XX/XX/2012, I have always paid my payments and my credit limit has always been {$2000.00} but after I made a {$1000.00} payment towards my card they decided after looking at my credit score which I didn't authorize they lowered my credit line dramatically and posted to my credit score about it which lowered my credit score. I talked with Key bank and they said it's what happens when you look like a risk factor and me paying the large amount made them look into me. I want my credit limit back to {$2000.00}
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on my credit report
Complaint sub-issue: Reporting company used your report improperly

I have discovered that my personal information was part of the recent hack ( XXXX-XXXX 2017 ) on Equifax 's servers. 

I have contacted all three credit reporting agencies to place both a freeze and a fraud report on my accounts. 

It troubles me that I had to pay for the freezes to be placed on the accounts, given that Equifax does NOT have the greatest reputation concerning its training and security. The inappropriate use of my data should fall squarely on the shoulders of Equifax.
Complaint sub-issue: Overdrafts and overdraft fees

I was charged XXXX in overdrafts even after an XXXX direct deposit was made but not posted until Monday. If the funds are available to me on Saturday then I feel overdrafts should not have been accessed because it brought my balance to a positive balance. They can afford to give money away in sweepstakes why can't they give a break on good customers
Complaint sub-issue: Debt is not yours

TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.
Complaint sub-issue: Charged too much interest

I was charged {$200.00} due to a promotional balance expiring while I was in a financial hardship due to Covid-19. I was under the impression that though interest would accrue on regular purchases, promotional periods should have been extended during this unqiue and tough time for customers. 

On XX/XX/2020, I sent a message requesting Covid-19 assistance and to inquire about the extension of the promotional period for a promo balance that expired XXXX and had a balance left of {$93.00}. Despite my hardship during this pandemic I managed to make a payment of {$94.00} by XX/XX/XXXX and was advised XX/XX/2020 that if I had a deferred interest promo expiring while I was receiving Covid-19 assistance the promotional term would extend by 2 months. With most creditors there is often a 30-day grace period given after a promotional balance expires to allow the customer to get it paid off within one month and avoid the bulk interest, which I inquired about as well. 

After SEVERAL weeks that has now turned into now 5 months of trying to correspond with them we have not come to a resolution. I keep getting generic form messages that don't address the questions I've asked, or the answers do not acknowledge the fact that I DID pay off the balance within 30 days of the promotion expiring WHILE " supposedly '' being approved for 2 months of Covid-19 assistance AND may have been charged interest ON interest because it's unclear if the interest I've been charged since is based solely on the purchases I made in XXXX or on the total balance due, of which {$200.00} of that is interest from the promotional balance.
Complaint sub-issue: Information belongs to someone else

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opendXX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX {$7400.00} I have disputed this more than once ... it was settled ; yet Equifax will not remove ... 
Litigation may follow soon ...
Complaint sub-issue: Reporting company used your report improperly

ALL of my personal identification data was made available to criminals for illegal uses by a large credit reporting bureau. EQUIFAX. 

My personal financial damages have not yet been determined entirely as of this point due to the fact that the likelihood of my identity being pirated at any time in the future for illegal purposes is quite high. 

My minimum damages from this breach appear to be XXXX per month for professional XXXX XXXX for the remainder of my life. For me and my wife, the total minimum damages is an estimated XXXX 

If my personal information ends up being used by criminals these damages could be XXXX higher. 

This is very scary! 

Please tell me the Consumer Financial Protection Bureau has my back.
Complaint sub-issue: Their investigation did not fix an error on your report

as notified before, I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XXXX of 2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.
Complaint sub-issue: Threatened or suggested your credit would be damaged

After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.
Complaint sub-issue: Information belongs to someone else

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}
Complaint sub-issue: Information belongs to someone else

I have XXXX accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse XXXX will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were divorced and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts sunrise XXXX, XXXX/XXXX, XXXX XXXX, dpt, edXXXX 6 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT
Complaint sub-issue: Information belongs to someone else

I submitted a dispute letter back in XX/XX/2021for some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX
Complaint sub-issue: Problem with fees

During my phone conversation in mid-XXXX with a Citi Bank Rep, I was promised that both balance transfer fees would be refunded due to their error. Citi Bank took my over payment and refunded it back to me as an balance transfer and then charged me a fee for refunding my money.
Complaint sub-issue: Problem with customer service

On XX/XX/2019, I went to pay my credit card payment on one of my XXXX cards ( I have several ). I noticed the last time I paid my bill, that I paid the wrong card which caused me to have a missed payment, I called XXXX and the associate said she could transfer the payment of XXXX I made in error to the correct card. I agreed to do this. Then overnight the credit card company lowered my credit limit on the card I paid in error by almost XXXX USD BEFORE the payment was transferred. This now has me over the limit on the card they moved the payment from. I was given XXXX warning. Now I have an over the limit credit card ( XXXX dollars! ), and I have never in my life missed a payment. This harmed my credit and financial situation, and I was given XXXX warning.
Complaint sub-issue: Information is missing that should be on the report

I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to Equifax, XXXX and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX ) report this credit card account to Equifax, XXXX and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Complaint sub-issue: Public record information inaccurate

Hunter Warfield is a collection agency for XXXX XXXX XXXX.They are fraudulently and incorrectly stating on my credit report incorrect date opened or dat of service. I would like to appeal date of service when i occu ] ied residence. I move in the apartment homes at XXXX XXXX in 2010 i  gave a 60 day notice and move out. It still showed as an open collection account. I will like to have them verify my signature on the contract that i signed to where this is not legal. To keep reporting a substantial amount of XXXX owed as past due. Which should allow my monthly payment amounts on the contract that doesnt even show on 2 credit reporting agencies. This dishonest action has caused me to be denied credit for a home for my family. By appealing this request to verify Date of service, wriiten contract and signature allow me to provide a warm safe home for my family.