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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I opened an acct with PNC bank based on its promotion that I would receive {$400.00} bonus. After opening the acct online, I called the bank and a male rep confirmed that I was eligible for the bonus and the bonus would arrive in a few months. However, the bonus did not arrive. In the phone call on XX/XX/XXXX, female rep said that there was a 24 months bonus requirement. I had no idea about the requirement when opening the acct. The male rep did not mention the requirement and confirmed my eligibility for the bonus. The female rep can not find the requirement to show me. The {$5000.00} deposit was a direct deposit income from my employer ACCT via another bank. 

I request PNC bank to keep its promise and give me the {$400.00}.
Complaint sub-issue: Debt was result of identity theft

I noticed on my XXXX XXXX and XXXX XXXX  credit monitoring that an account I did not open or know about was on it. It is {$1000.00} and I want this off of my account. It says IC System. This was opened fraudulently and needs to be taken off my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX sold an alleged dent in my name and the collection agency bought it yet there is a balance still shown reported on my report
Complaint sub-issue: Account status incorrect

On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Complaint sub-issue: Transaction was not authorized

Thank you for reviewing my complaint. I am sorry it is taking this much effort to get results, but it is impossible to get ahold of anyone helpful at MoneyLion ( https : //www.moneylion.com/ ). MoneyLion is an online app that provides services such as investments, credit monitoring and personal checking. 

I am moving on XX/XX/XXXX and used their checking service as a rainy day fund, rarely withdrawing and depositing to both their checking account and an investment porftolio. 

XX/XX/2021 : First fraudulent charge from XXXX in the amount of {$39.00} XX/XX/2021 : I contacted MoneyLion about the XXXX  charge. Moneylion representative said debit card would be canceled and I had to fill out their " standard form '' and fax/email it to them re my claim. 

XX/XX/2021 : Card was not canceled. Additional fraudulent charges by XXXXXXXX XXXX XXXX in the amount of {$400.00}, {$11.00},. Initially I thought a paypal transaction was fraudulent but i did my due diligence and confirmed that XXXX XXXX {$60.00} was VALID. 

I am unable to get anyone to provide provisional credit, confirm status of my fraud claim and i am told i will receive a PAPER LETTER in 10 days. I am moving on XX/XX/XXXX and need the fraudulently charged transactions reversed, and all moneylion accounts closed INCLUDING my portfolio. 

My rainy-day fund was wiped clean and I am unable to get any assistance. I just graduated law school and am moving on XX/XX/2021. Please help so I dont have to litigate this.
Complaint sub-issue: Information belongs to someone else

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account status incorrect

Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XX/XX/2017 which is not correct! I was never 30 days late!
Complaint sub-issue: Information belongs to someone else

While checking my credit report I notice credit inquiries that I did not authorize. This is a violation of the fair credit reporting act secton 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Complaint sub-issue: Threatened or suggested your credit would be damaged

I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received a collection notice from FAM Alliance Ltd on a debt that I included in my recent chapter XXXX bankruptcy and was XXXX. The letter arrived after my bankruptcy was XXXX on XX/XX/2018
Complaint sub-issue: Account status incorrect

Equifax is reporting an old XXXX XXXX  card as a charge off. It was paid by agreement with XXXX XXXX  and is not a charge off.
Complaint sub-issue: Investigation took more than 30 days

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.
Complaint sub-issue: Deposits and withdrawals

I made 4 deposits into my Citibank business account on XX/XX/2022 in the ATM machine. The deposit amounts were, {$1400.00}, {$300.00}, {$6600.00}, {$1800.00} for a total of {$10000.00}. The deposits were comprised of a total of 12 checks from businesses. Of those 4 deposits ( 12 checks ) the bank only made available to me $ {$290.00} immediately to withdraw or write checks against and did not make the funds available until XX/XX/XXXX. As a result it caused two of my checks to be returned unpaid which is a huge embarrassment. I feel that the bank should have made more funds available than {$290.00} on the date the deposit was made considering the amount of my deposit, but instead made me wait 5 days because Monday was a holiday.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax verified a fraudulent debt with XXXX XXXX as accurate ; and is inaccurately reporting an account as a debt owed.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.
Complaint sub-issue: Information belongs to someone else

My bank account online ID was hacked and someone managed to change my XXXX  account password in XXXX. When I realized my account was hacked I worked with the bank to change my account ID and password, and I filed a fraud report on XX/XX/2019 with XXXX ; I don't know if someone had my SSN or not. Right around that time I noticed a Moneylion transaction in my bank account trying to withdraw {$500.00}. I contacted the bank and had them cancel that transaction. I closed my bank accounts and had new ones set up. Now I have a Moneylion account on my credit report at the three reporting agencies that shows a delinquency record. This is severely hurting my credit ( XXXX points! ) and the credit bureaus only say they contact Moneylion to verify it's real, but it is absolutely not even if Moneylion thinks it is. Someone must have opened an account in my name or something. This is a fraudulent account at Moneylion and I can't seem to fix it. I've searched the web for other cases like mine and I actually have seen a bunch out there with almost the same exact situation. I'm kind of at my wit 's end not knowing what to do and this is really hurting my credit right now and affecting my legitimate loan requests. It looks like the XXXX  has also revoked Moneylion 's business as there are too many complaints similar to mine. I'm hoping you can help. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. 

Equifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.
Equifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX is not reporting correctly again- missing from my credit file see the company name of the collection agency, no contact information, this is incomplete- the fair credit reporting act says data reported must be accurate, fair, and.complete. Several entries missing as you can see from the i had to spend hours trying to determine whos account these these two were.
Complaint sub-issue: Information is missing that should be on the report

I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO ( XXXX ) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

XXXX MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.
Complaint sub-issue: Account information incorrect

The issue that I am having is such ; the credit reporting agencies claim that I owe for three loans that they claim were issued in XXXX but I only got one loan for one semester. I only attended XXXX one semester but there are three loans and I qualified for a Stafford grant then so that paid for a percentage close to XXXX XXXX XXXX. That's XXXX near one semester so why does the loan company day I owe for three more loans totaling almost XXXX XXXX? When I was in XXXX  I filed a credit report and noticed that in XXXX they reported my loan was forgiven and since XXXX was involved in the loan scam I believe it was forgiven but as soon as I got released from XXXX  a few months later in XXXX someone got three loans they say I owe for now but they are saying it's still from XXXX but I am certain they said I owed nothing in XXXX. Could you please help me with this issue? They refuse to forgive it and I've only had one loan and when I took as semester break I was charged and sent to XXXX  so I never got to complete college. It's my first loan and I don't know why I don't qualify for forgiveness if worst things the loans are they original loans. And if they are why were they removed and then put back? And why does the credit collection companies buy debt that I still owe to the courthouse or county for court costs? Why do they keep selling it to other companies before it can arrange payment plans?
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute to XXXX, Equifax, XXXX, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent a dispute letter to XXXX  also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time XXXX reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law
Complaint sub-issue: Information belongs to someone else

I am very disappointed with the companies Equifax and XXXX. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and Equifax and XXXX refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that EQUIFAX AND XXXX  understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting equifax and XXXX  to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back from them.
Complaint sub-issue: Personal information incorrect

Hi, My name is XXXX XXXX. 

I sent a request to Equifax and XXXX to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX
Complaint sub-issue: Problem with fees

I have an account with Macys/DSNB acct # XXXX which I opened in XX/XX/XXXX never had any issues with it. I made a payment to the card in XX/XX/XXXX to pay off my balance in full. To me I this account was paid down to XXXX  once my payment was applied. It seems the interest generated of {$0.00} which I was not aware of since to my knowledge the payment bought the account to XXXX. 

I tried tirelessly to resolve this matter with Macy 's direct. I even paid the fees which have occurred since then.
Complaint sub-issue: Account terms

I have disputed balances and payments along with documents mailed and faxed as directed. I mailed my social security card alone with my drivers lincense along with faxing XXXX pages over to all XXXX agencies. Equifax will not removed depts that have been paid, reporting higher use of credit then actually used and also states my age and sex as well as other agency, I paid off my car loan and sent documents that clearly disputed the 24 payments that they keep reporting and using not to raise my credit score lowering each month right now at XXXX, I have paid or disputed every dept on my report over that past year and now they are using the auto loan that was paid in full XXXX/XXXX/XXXX againt me as of XXXX XXXX XXXX.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Sheffield Financial account is still charging me interest on an account that was closed on XX/XX/2015 with a voluntary surrender. The balance is still showing of XXXX. Every month they charge and increase the balance of that closed account and its affecting my credit score. I was forced to do a voluntary surrender because i was diagnosed of XXXX XXXX in XX/XX/2015. I am still on treatment. Please fix this problem and add it to my report the reasons of closing this account or loan. 
Thank you.