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

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX   XXXX {$370.00} 5 ) XXXX  XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX 's And XXXX {$220.00} 8 ) 11 XXXX XXXX {$200.00} 9  ) 11 XXXX XXXX   {$530.00} 10 ) 08 XXXX  XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX  $ XXXX 12 ) XXXX XXXX  {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX {$2.00} 14 ) XXXX/ XXXX {$510.00} 15 ) XXXX/XXXX   {$0.00} 16 ) XXXX/ XXXX {$0.00} 17 ) XXXX/ XXXX {$0.00}
Complaint sub-issue: Denied request to lower payments

In 2021 i experienced financial hardship and requested for my monthly payments to be lowered due to it and my loan company has denied that request. I have went to several car dealerships and they have mentioned I was paying more for my auto loan more than any other car.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In accordance with the fair credit reporting act public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REF # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.
Complaint sub-issue: Personal information incorrect

On several occasions I've reached out to credit bureau, by letter and over the phone. A they have failed to honor my request, as they have not updated my address and name information.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I made a deposit of {$7000.00} from a sale of a motorcycle via mobile deposit with U.S. Bank. On XX/XX/XXXX, I was notified via email that the deposit was accepted and they released {$220.00} of those funds, pending verification of those fund. I checked my online banking account to verify that the {$220.00} was there and it was. The available balance was near {$0.00} at that time so any transactions would have been declined as I did not set up overdraft protection. I went out to eat and there was a second purchase that went through and mostly took from that {$220.00}. On XX/XX/XXXX, I noticed my account was negative. I went in to look at details and found that the {$220.00} was removed and I was charge overdrafts for my two transactions. After working with the bank via phone, they said that the check needed further security checks and had to wait XXXX business days. They could not explain why {$220.00} was released as they did not see it. On XX/XX/XXXX, I explained what happened and was basically told that I was lying as there is no evidence of the {$220.00} ever being released. I explained if that {$220.00} was not there, that my two transactions would have been declined. I closed the account because I feel I was extorted for those two overdraft fees and an additional extended overdraft fee because of those as well as making me look like I was lying as there was no evidence outside of my email, that says there was {$220.00} released from that deposit. Unfortunately, the only evidence I have is of the email, because I do not think to take a screen shot of every bank transaction and would not know that the bank would remove evidence of releasing such funds, they made the funds release look like it never occurred.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX at XXXX am I made an online order for pizza for around {$100.00}. Discover Card declined the transaction and made me 'verify ' the purchase through email. Discover is comprimising the security of my account making me unable to use my card for legal purchases without the use of the internet and a computer and an email or a telephone service. I have 60 days under XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX to dispute a fraudelent credit card charge yet Discover requires me to reverify a purchase within XXXX seconds. It is an unfair burden of my time and resources to make transactions, further to use this card the consumer has to have access to expensive resources such as : internet, email, phone, from other parties not associated with the account and for which the consumer has no control over. Technology is supposed to make life easier, not more complicated. Computers are supposed to serve humanity, humans do not need to submit to robot masters or algorithms to interact with each other.
Complaint sub-issue: Account terms

I disputed an account reported 30 day late on my credit report they have not updated it, both XXXX and XXXX have already done so. COMENITY BANK/VCTRSS reporting 30 day late for the XX/XX/XXXX i have attached the letter from XXXX which i have uploaded to all XXXX credit bureaus including equifax.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

The department of education has breached the contract I had with them. NELNET gained access to my personal information. NELNET has presented itself as a government agency. NELNET is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with NELNET. Their dispute is with the federal agency who they entered into a contract with.
Complaint sub-issue: Their investigation did not fix an error on your report

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXX XXXX XXXX, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Complaint sub-issue: Account information incorrect

I received a letter from Equifax stating that my personal information was included in the Equifax Breach. I am unable to access my Equifax credit report on the Equifax website anymore. In reviewing my Equifax report, I noticed that I had XXXX inquiries that were not authorized and they are the following : XXXX/XXXX for XX/X/2017 which was previously removed and placed back on without my knowledge after my previous dispute, and also XXXX XXXX-XXXX. I am requesting that those XXXX inquires be removed as they were not authorized. Also, I have 2 accounts that need to be removed as they have been unverified and I do n't have a contract or any knowledge with either of the following creditors : XXXX/XXXX totaling {$450.00} and XXXX totaling {$370.00}. Also, XXXX is not reporting a correct balance and I have never been late on this account so the late remarks should be removed. The correct amount for XXXX should be {$380.00}.
Complaint sub-issue: Problem using a debit or ATM card

A criminal steal my mailbox on XX/XX/XXXX and my new Citibank debit card and its related opening account information are stolen. I initially transferred lots of money in this new account to try to get the Citibank checking account promotion deal. Then the criminal used the account info and the card with PIN letter to activate the debit card, used the debit card PIN to purchase items totally worth {$2800.00}, and withdrawal {$1000.00} from ATM on XX/XX/XXXX. I received a fraud verification msg from Citibank at around noon on XX/XX/XXXX, then I found my debit card and personal info were stolen, I called Citibank to verify the money that the criminal spent on that day, then I submitted all of these invalid transactions into disputes. And I also reported to Citibank to re-sent me another new debit card along with a new PIN, so that the criminal could not keep using my debit card to purchase/withdrawal. However, I found another transaction on the night of XX/XX/XXXX ( at around XXXX ), the criminal has sent the stolen signature card back to Citibank, and applied and gotten a check book of my Citibank account by using my personal info, and he/she even wrote a check from my account to make a payment {$200.00} to somebody. The " XXXX '' name on the check is " XXXX XXXX '' ( or " XXXX '', I am not sure the written letter from the check, either " a '' or " u '' ). I think whether this XXXX is the criminal or at least the criminal knows XXXX and used my check to pay her for something.The total amount that the criminal has steal is more than {$4000.00}, I have requested for disputes about all these illegal transactions sooner after I discovered them. But after several weeks, Citibank closed most of the disputes and denied them. Citibank sent me mails to say they have attempted to contact me but not successfully, and asked me to call back to a Citibank representative to pursue the claims. However, firstly, I have never received any contact from Citibank related to the disputes during the entire period after I submitted the disputes, secondly the person and phone number Citibank provided to me has never worked, I made a call to that representative for more than 10 times and left voice message for each call in a week, but she has never answered the call and has never called back to me. I called Citibank disputes department again and again, but they couldn't solve this problem by either giving me another better way to contact about my disputes, or helped me re-submitted the disputes again.
Complaint sub-issue: Account status incorrect

I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
Complaint sub-issue: Debt is not yours

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed several hard inquiries that I observed on my Equifax credit report & after EQUIFAX completed their investigation, EQUIFAX mailed me a credit report confirming the inquiries I disputed were investigated and determined to be deleted from my credit report. Unfortunately I recently received a copy of my most recent credit report and observed that EQUIFAX reposted the hard hit inquiries that they told me were removed after their investigation was completed. This is a violation of the FRCA. EQUIFAX failed to notify me of the reposting. The following are the inquiries that were disputed and removed then posted again by EQUIFAX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, I am still waiting for EQUIFAX to remove additional hard hit inquiries that I don't recall authorizing because they have failed to provide me any documentation that confirms I authorized the inquiries and they are : XXXX XXXX XX/XX/XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

I also observed 2 hard hit inquiries conducted by XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX XXXX XXXX & spoke to XXXX ( I.D . # XXXX ) & was informed that Equifax was going to be contacted for the inquiries to be removed immediately. I am requesting confirmation from EQUIFAX that they were contacted by XXXX XXXX XXXX regarding this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem with statement of dispute

I faxed over paperwork proving that XXXX XXXX received and accepted a full settlement for less than balanced owed with the XXXX 
Equifax refuses to accept the document as factual with the supervisor telling me that the have no real proof of the authenticity of the faxed document. Even though there is a phone number on the letter that they can call to get verification. They have contacted XXXX XXXX who keeps reporting that there information is correct which is totally different than the documentation I have regarding this matter. 
Also, I have a public record form XXXX XXXX regarding this same account. The courts updated my judgment as " satisfied public record '' with the same exact letter from XXXX XXXX XXXX XXXX. 
Both XXXX and XXXX deleted my public record from my file but Equifax will not. They keep asking for a withdrawn form from the court stating that the file has been withdrawn or to have the court house tell them I no longer have this record. I called the court house three separate times and each time, different office clerks have informed me that they do not issue any other forms as proof of a withdrawn record except for the same information I already have. Also, the court clerk said they have nothing to do with the credit bureaus. Than the Equifax supervisor told me they ca n't remove the public record due to some Federal law but, when I told them that XXXX and XXXX both removed the record on the strength of judgment letter that they looked up in the court database. The Equifax supervisor changed her story and said that all XXXX agencies do things differently and they do n't look up court records in the database. I told her the court office told me there are no other forms they can give me. So, the Equifax supervisor told me there is nothing she can do. The Equifax organization is under trained and lazy. they refuse to put in the necessary work needed on the expressed interest or fairness due me, the consumer. it 's awful that they have so much influence but are not held accountable for their poor performance and lack of knowledge. Saying they do thing differently and dismissing my paperwork as fraudulent without putting in the work is an outrage and definitely not acceptable.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX 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: Billing dispute for services

XXXX XXXX XXXX Unaware of this hard inquiry
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and this is a fraudulent account that's reporting to my credit report that do not belong to me. I do not recognize it, nor did I authorize it, Can you please delete and block the following fraudulentinformation from my credit report. 
XXXX XXXX XXXX Acct : # XXXX Amount {$480.00} XX/XX/21 Ive spoke with the credit bureau and they have told me to supply them with the account number and they would remove this fraudulent account from my credit report. XXXX XXXX XXXX is reporting this fraudulent account to my credit with knee way of even validating the debt. 
*See Attached*
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting fraudulent inquiries on my credit report all are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear DEPT OF TREASURY, XXXX & Equifax : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Complaint sub-issue: Funds not received from closed account

After XXXX XXXX, internet based private bank in XXXX  XXXX, closed my account in XXXX, 2022 without noticing me, they said they sent my balance check, {$1600.00}, by mail to my bank. However, according to their tracking number by USPS, it has been lost since XXXX 2022. I called numerous times to get proper information on the check. However, they refused to give me right answer. Whatever they said they did were simply not making any sense. They kept on avoiding and delaying my request for proof of check sent and cleared. I even checked with my current bank, XXXX, for delivery confirmation. XXXX can't do any research without check number, address, account number. XXXX kept saying since the casher 's check is cleared, they are not responsible for anything. According to them, it's between me and my bank. However, XXXX kept refusing to give me a check information. If they refund money to me, it should be to my residential address instead of XXXX. Still if they sent a check to XXXX, they should have information about my account on that mail. However, they simply said they sent a check to XXXX. they are not providing check number, branch address, account information. 
Customer service manager, XXXX, even lied the check had been cleared after month of waiting. However, they can't even track the check on their system. 
I can't wait any more. It has been more than 4 month. I think XXXX is simply trying to avoid my case instead of researching.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Discover Financial, and XXXX XXXX. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.