Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

This happened in XX/XX/XXXX/XX/XX/XXXX. I was in a relationship where my significant other used my Social Security number to obtain a cell phone and account with the phone company all without my knowledge. This was completed twice with two different phone companies without me knowing before my significant other and I left one another. 

I did not authorize such accounts or billings. It was forged. I did not go to the authorities at the time because I was unaware of such accounts and did not know they were collecting debt. 

In XX/XX/XXXX/XX/XX/XXXX I was made aware of one of the phone company accounts and did my best to pay them because I could not make contact with my previous significant other. Nor could I report her because there was no evident fact that I could prove that she used my information without me knowing.

Now the second phone company XXXX XXXX XXXX has sent my account ( {$1000.00} ) to XXXX for debt collection.
Complaint sub-issue: Personal information incorrect

Equifax maintains that when my account was established wrong information was given. Trying to confirm what that information is to correct it has proved fruitless.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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 n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Contacted you after you asked them to stop

This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. 
Thanks in advance
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Didn't receive terms that were advertised

I turned XXXX on XX/XX/2018 and was enticed by Citibank 's promotion to open new checking and savings account. I went with my grandfather and opened the account at Citibank XXXX, FL branch. Promotion was for {$200.00} and the personal banker guided me for the same. I made a note to maintain the balance of $ 25k+ for 60 days as mentioned to me, which I did. Citibank denied the promotion on false pretenses and requirements, which were never clarified or mentioned during account opening. When I went to branch they told me to call the toll free number. I was on a long hold with my dad to get the issue resolved ( over 1 hr ) and to no avail. They could not even find any promotion listed on my account.

Citi is doing deceptive practices and I am annoyed by their customer service.
Complaint sub-issue: Other problem getting your report or credit score

I have been reaching out to Equifax on countless occasions to allow me access to log into my Equifax account unsuccessfully. Every time I call I am being told to give it 24hrs. The following day of not having access, I call back to having the next representative telling me the same thing. It has now been a week going back and fourth with no resolution. I would like to see what has been changed from my XXXX  account from my credit monitoring alert I have received.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for.

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!
Complaint sub-issue: Investigation took more than 30 days

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Complaint sub-issue: Account information incorrect

I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to XXXX bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.
Complaint sub-issue: Account status

I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Complaint sub-issue: Account status

I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit XXXX. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and XXXX times, they sent a letter back stating the account is correct and will remain on my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info
Complaint sub-issue: Card was charged for something you did not purchase with the card

In the beginning of XXXX of this year I called Discover and notified them of some charges that I saw on my statement that cut on XX/XX/2020 that were not authorized by me. The charges are as follows XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX @ XXXX 's for XXXX and XXXX To XXXX XXXX XXXX  for XXXX. I filled a police report with the XXXX Police department Case number XXXX. I called Discover on XXXX and was told that I must pay for the charges and that they would be charging my card. Discover indicated that the charges were valid because of my address being verified with the merchant I pointed out to Discover that they have notified me that my information ie address, email, phone number etc. have been found on the dark web so I wouldnt find it impossible that my information could be used. These charges happened in Florida I live in NC and wasn't anywhere near FL at the time these transactions occurred. The charge right before the fraud occurred happened in NC.
Complaint sub-issue: Having problems with customer service

I submitted a few complaints against Fed Loan Servicing. All of the complaints are denied by the company. Fed Loan Servicing simply uses copy and pasting from their rules/regulations and puts them into the reply section in the Consumer Financial Protection Bureau website. Fed Loan Servicing marks the complaints as being addressed / resolved, but what they copy and paste in has nothing to do with my case, and they never actually address my concerns. Those cases are marked as " resolved '' now, but they really are not resolved at all.
Complaint sub-issue: Frequent or repeated calls

I understand I am having financial difficulties and have communicated with mobil loans, now 4 days in a row telling them I will send in a payment soon. Each time I contact them letting them know when I will make a payment, they call immediately after acting like its the first time they are contacting me. I just got a job and they call my phone up to 10 times per day.I spoke with them today at XXXX  and they called again at XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste.
Complaint sub-issue: Debt was paid

i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!
Complaint sub-issue: Information belongs to someone else

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 XXXX XXXX XXXX Original Creditor : XXXX  XXXX Account # : XXXX Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately
Complaint sub-issue: Their investigation did not fix an error on your report

This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. XXXX has sent me a statement validating the account was never past due. XXXX is showing this account was 30 days late as of XXXX of 2021. The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Attempted to collect wrong amount

I disputed this reporting XXXX of 2018 and my XXXX  removed this account from my report. However XXXX and XXXX   refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.
Complaint sub-issue: Billing problem

I am purchasing a motorcycle and the payments are set at XXXX. I have made each payment within the grace period each month. My payment amount has been XXXX dollars. My intent was to have the extra money applied to the principal. However that has not been happening. I first noticed in XX/XX/XXXX. I called the company United Finance Co and asked that my additional funds be placed on the principal. They told me they were.. however I was looking at my XX/XX/XXXX statement that was less then the monthly installment. I didn't ask for a supervisor but one came on the line. He continued to tell me that my funds were being placed on the principal however could NOT explain why my statement was less then the installment amount. His resolution was to send me an amortization letter that I never received. When I called in the next month to make my payment, the agent that took the call reiterated the company position that my funds were applying to the principal even though I was looking at yet another statement that was even less then my installment. She did send an amortization schedule that I did recieve.and yet again my next monthly statement reflected an even lesser amount due then the previous.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not remember authorized " XXXX XXXX '' to obtain a copy of my credit report. Please deleted this inquiry.
Complaint sub-issue: Information belongs to someone else

there are incorrect address and incorrect names in the credit report
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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, OH XXXX
Complaint sub-issue: Debt was result of identity theft

trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX
Complaint sub-issue: Trouble getting information about the card

Two things first of all : I have a credit card from U.S Bank National  Association. It is a XXXX XXXX Mastercard. Also, I have NEVER used a debit card in my life ( I'm XXXX years old ). I did not request this debit card and do not plan to ever use it. I've tried to call the company many times, but can't get through. They have no contact info for an e-mail on their web site so that's the reasons I'm writing to you. More troubling is that they sent one to me and one to my wife. She passed away in 2018! I would really like to know why they took this action. 

Please note that I have provided the card number on the next page, but have NOT activated it for obvious reasons already stated.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB complaint to you today to request that you remove the accounts and information I found on my Credit File that do not belong to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. 
SYNOVUS BANK XXXXXXXX XXXX XXXX XXXX XXXX