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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXXREPORTED XXXX Balance : {$84.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft , not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status

There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX 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: Investigation took more than 30 days

I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.
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 XXXX 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 XXXX 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  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account status

Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.
Complaint sub-issue: Problem with rewards from credit card

I received a cash rebate check from citi card on XX/XX/XXXX and deposited into XXXX XXXX XXXX. The check was returned by the bank because inadvertently we deposited into the wrong account in which the payee on the check was not on the XXXXXXXX XXXX XXXX account. 
We took the returned check and deposited in the correct account at XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and the deposits where both returned RETURN REASON-S REFER TO MAKER. 

I have contacted XXXX XXXX XXXX and they have referred me back to citibank, stating the check was returned I have contacted XXXX and they have referred me back to citibank, stating that the check was returned i have contacted citibank many times on XX/XX/XXXX i received a letter stating the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the i need to complete a affidavit to further investigate on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed and cleared Every letter came with a copy of a check with blank endorsement on the back not showing where or what bank cashed the check on XX/XX/XXXX they sent me a fraud inquiry, i completed the form and faxed it back on XX/XX/XXXX and then again on XX/XX/XXXX. 

I contacted them XX/XX/XXXX and was told by XXXX XXXX # XXXX that there is nothing citibank can do. 

I need your assistance in getting my money
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XXXX/XXXX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XXXX/XXXX/XXXX but will not delete from my Equifax report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Improper inquiries on credit report from XX/XX/2022
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi cards di spute case number Case ID :  XXXX , first I filed dispute because I have n't received ordered merchandise, after receiving it City cards reversed the credit but I was not happy with the quality since I received completely different product that was ordered so I shipped it back. Since then I have been trying to contact citi cards and merchant to get my money back for the return without success. City bank closed the case stating they never received return tracking number, but it 's not true. I emailed and faxed it over multiple times.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously disputed several inquiries with equifax but they failed it investigate the inquiries I am disputing. These inquiries are a result of identity theft and are affecting my credit. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX, You are required by law to investigate these inquiries, and or remove them if no proof was given that I ran or authorized these inquiries.
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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: Problem with fees

I had a credit card with Citi Bank that I would use at XXXX. I received by bill in the mail every month and promptly paid with a mailed check. In XX/XX/XXXX, I did not receive a bill and therefore did not notice until I received a telephone call in reference to collecting a bill. The company told me that I had agreed via email to online billing and should have paid the bill on line. I DID NOT agree to online billing, as it has caused me problems with two other companies in the past.

I told the company that if they would mail me a bill, i would pay for all items I had bought, but would not pay late fees or interest because I believe they fraudulently switched me to online billing. I then cancelled the credit card. 
I have since paid for all items bought, but have received two paper bills demanding late fees and interest, which i refuse to pay. 
The last two mornings, I have received two telephone messages demanding that I call them about this account. I will do so today, after filing this complaint
Complaint sub-issue: Reporting company used your report improperly

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt was result of identity theft

I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, XXXX and MRS , so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me  into paying this debt that they are responsible for. 

My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, XXXX, and MRS BPO, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/MRS BPO about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
Complaint sub-issue: Other problem

I put a downpayment of {$500.00} on a secured credit card with Discover. 

On XX/XX/XXXX, I noticed that the credit limit had increased, I was not notified of this change. 
I was told that a check had been mailed on XX/XX/XXXX and that it would be received in 5-7 days. That check was sent to an out of date address. 
On XX/XX/XXXX, I notified an agent of my updated address. 
On XXXX, I was told that the previous check was stopped, a new one was mailed, and I would receive it in 3-7 business days. 
On XX/XX/XXXX, it still hadn't arrived. I was told that it would now be up to 30 days from date of request. 
On XX/XX/XXXX, I was told 13-17 calendar days, but to allow for 30 days from the date of request ( the request was submitted on XX/XX/XXXX ). The agent could not confirm if the check was sent. 
On XX/XX/XXXX I spoke to another supervisor and was told after 13-17 calendar days from date of request, and to ask for a deposit to a bank account if not received. 
On XX/XX/XXXX, another supervisor took my checking account information and stated that he had begun an ACH transfer and that I would receive the {$500.00} to my bank account within 3 days. When that didn't happen, I contacted them again, it had never been processed. 
I spoke with an agent the week of XX/XX/XXXX who told me that my check in fact had not been mailed on XXXX, but XXXX, if at all. 
I have spoken to dozens of agents whom have mostly all given inconsistent time frames and false promises. Throughout this process, I have gone into debt with this company because I have not been given access to the funds that I am owed. They simply try to sell me on new services that they offer and to recover {$38.00} from me when I am owed {$500.00} from them. Despite constant contact, I continue to be given false information or am completely ignored. I can no longer use the chat customer support feature because the agent left my chat open while transferring me to a supervisor. I have never left a survey response because I have learned of the way customer support representatives are treated if they don't meet the company standard of positive response percentages. 

As of writing this, I have been waiting 38 days. 

I spoke with another supervisor today and was told that the ACH transfer will be submitted today, but but it will take up to 10 days instead of the 3-5 quoted by two other supervisors. I asked for the money to be credited to my account, but was notified that they no longer offer that option. In XXXX, when Discover had to refund their customers {$120.00} million for deceptive credit card practices, this was an option. 

I am mystified by the inaccuracies, inconsistencies, and sheer incompetence that I continually endure at the hands of Discover.
Complaint sub-issue: Contacted your employer

XXXX XXXX from Hewitt Capital contacted my place of employment on XX/XX/XXXX attempting to collect a debt from their supposedly client XXXX XXXX, I that owed a debt of the amount of {$3100.00}. I told him that I didn't have any money to give, he then proceeded to say that if I didn't pay I would be placed in custody and sent to jail or my wages would be garnished. I ask if he could provide legal documentation, he said he sent a letter to my address. I never received a letter. I told him I would pay {$100.00} dollars for today. He said it was a XXXX processing fee. I gave him prepaid debit card information. He took XXXX out of my account. I told him that I would attempt to pay XXXX by Saturday. He said ok. I didn't have the money on Saturday. He called my employment that following Monday. He ask why hadn't I paid. I said that I didn't have it and I needed to pay my rent. He then yelled at me and said. He would snatch the check out of landlord 's hand and that I was on recorded line and I should be in custody right now. I was very intimated. So I told him I would pay him XXXX today plus the processing of fee of XXXX and try to pay XXXX in two weeks to close the account. This was on XX/XX/XXXX. So I used what I saved up for rent and paid him XXXX on XX/XX/XXXX. He advised then that I owed a another {$1500.00}. I knew something wasn't right. I stopped answering his calls. Tried to dispute the transactions with my bank. They declined the credit. He then proceeded to take out {$150.00} on XX/XX/XXXX and another XXXX on XX/XX/XXXX. I never received confirmation number or any legal documents and now facing eviction. Also, XXXX XXXX has advised they did hire them to collect debt.
Complaint sub-issue: Received bad information about my loan

I attended the University XXXX XXXX from XXXX - XXXX. After graduating I had problems finding employment in the XXXX XXXX field. As a result I requested Deferment of my loans due to Unemployment. 

Federal Loan Servicing refuses to modify my credit report where they claim I missed payments on my Federal Student Loans. I wrote to them twice requesting the change. I also opened a dispute with XXXX. The following was sent to Federal Loan Servicing on XXXX XXXX. This was my second request : RE : XXXX I am writing in response to the attached letter where my request to modify credit reporting was denied. Your agency reported my account # XXXX 60 days past due on XXXX, XXXX, and 90 days past due on XXXX. 

The attached documents, which I provided previously, reveal that my account was in Deferment due to Unemployment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. Therefore I was not required to make payments on XXXX, XXXX, and XXXX. I again request these erroneous marks be removed per the Fair Credit Reporting Act. 

I routinely submit my payments before they 're due, have not missed a payment, enrolled in XXXX XXXX XXXX XXXX, while my accounts are in good standing. 

Please make these corrections to my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

DEBT COLLECTOR : XXXX ADDRESS : XXXX XXXX XXXX. XXXX, FL XXXX PHONE : XXXX THIS COMPANY WAS ASSIGNED BY CREDITOR : XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX PRODUCT : XXXX THIS COMPANY IS CLAIMING THAT THEY SENT A COLLECTION BILL TO MY HOME ADDRESS ON XX/XX/XXXX FOR THE BILL FROM XXXX ( WHICH I AM COMPLETELY UNAWARE OF ). THIS COMPANY DID NOT MAKE ANY ATTEMPT TO COLLECT THIS DEBT WHICH WAS ONLY FOR {$59.00} AND NOW IT HAS AFFECTED MY CREDIT HISTORY FOR SOMETHING THAT I WOULD HAVE PAID REGARDLESS HOW MUCH WAS THE AMOUNT. I FOUND OUT ABOUT THIS CHARGE FROM MY CREDIT CARD COMPANY WHEN THEY INFORMED ME THAT THERE IS COLLECTION PENDING ON MY ACCOUNT. ERC NEVER MADE ANY GOOD FAITH ATTEMPT TO COLLECT THIS DEBT AND JUST REPORTED THIS TO CREDIT AGENCIES. 
I HAVE NOT HAD ANY DELINQUENT CHARGES ON MY CREDIT AND IF THIS COMPANY WOULD HAVE MADE AN ATTEMPT TO COLLECT THE CHARGES, I WOULD HAVE PAID FOR THEM. 
I PAID AMOUNT IN FULL AND REQUESTED THEM TO REMOVE THIS FROM CREDIT HISTORY AND ERC REFUSED TO DO THIS.
Complaint sub-issue: Problem during payment process

My credit card bill was not sent to my house for several months ; when it was the numbers on my credit card did not match the numbers on my credit card bill. Payments were deducted from my checking account, then they were not credited to the credit card bill.
Complaint sub-issue: Need information about your loan balance or loan terms

I received a letter from the Trellis Company on XX/XX/2020 claiming that I owe {$11000.00}. They went on further to say that I defaulted on this obligation. I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe {$11000.00}, and they would proceed with contacting the U.S. Department of Education to resolve the issue. It appeared that they were coercing me to make a decision. There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds. I financed my education for my degree with grants, scholarships, veterans financial aid, work study, and regular employment with two jobs. 

I need Trellis to be forthcoming with specific details. I am currently paying for defaulted student loans with an offset of my social security and income taxes with the United States Treasury. My current financial situation is dire and difficult I have fully cooperated with my lenders. I am currently on an IBR because I am at the poverty level, and I have a serious medical condition with high medical bills and prescription medicine that I take. My medicine is life critical medicine, if I do not have any or can't purchase it, I will die from not having the proper medications. I am XXXX years old and an XXXX XXXX XXXX Veteran.
Complaint sub-issue: Problem with statement of dispute

I disputed a settled account with XXXX XXXX on my Equifax file. Instead of showing the balance as zero after settlement, they left a balance of {$150.00} on the XXXX XXXX trade line. I provided a copy of the settlement letter.