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

Im a victim of identity theft and have had a fraudulent credit card account opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent credit card account, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.
Complaint sub-issue: Didn't receive terms that were advertised

Account opened online in XXXX and was promised a {$400.00} bonus after depositing $ XXXX. Terms stated was 60 days and its been way over 60 days and still didnt get the offer. 

They are saying I didnt get the offer of {$400.00} and got a different offer instead of interest ( of 1 % which is ridiculous ). I did the application online through a Citibank link stating that I will get {$400.00} bonus ( sole reason why I opened the account ). Unfortunately, the link no longer exists cause they now have a new promotion. 

I found a lot of complaints online regarding this offer and would like help to resolve this.
Complaint sub-issue: Information belongs to someone else

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020XXXX XXXX XXXX  add a hard inquiry on my credit reports.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged at a XXXX card XXXX dollars from an ATM on my credit card, i filed it as fraudulent as i did not approve this transaction. I had my card taken during the night and returned later, when i checked my statement and saw the charged I called the dept and reported it. After the did there due diligence i got a call later saying my dispute was denied as they had video proof and picture evidence it was me. I asked for it saying no chance and they said they would send it to me. over a month later I still did not get this " evidence '' so when i called they ended up sending it to me and when I received it, while my card and ID were in the PDF sent to me were mine, the signature was not mine ( could go through prior transactions and prove that quite easily ) and the photo evidence they had that it was me the man in the picture was clearly not me. anyone with a set of eyes can look at the photo and see there is no resemblance of the man in the picture and my self. The cc fraud department said they couldnt make out of the picture if it were me or not and they arent signature experts so they couldnt figure that out either. I have told there are no other options left so now I am here. the photos are encrypted so we will have to reachout to them ( Citi bank mastercard for XXXX XXXX to have them send the pictures )
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, 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: Confusing or misleading advertising about the credit card

On XX/XX/2022 at XXXX pm received a call from XXXX at Discover card pushing card services. We have asked to be taken off the list, we have blocked the phone number, but they keep getting through.
Complaint sub-issue: Was not notified of investigation status or results

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Call me its urgent its many consumers a hacker named XXXX XXXX Has hired XXXX  to hack me steal from my bank and close my accounts And sone very serious things to me Cash app is so bad thry steal and yhrn XXXX talk yo me and call me a liar Please call me this is serious XXXX Thank you Its emergency with yhr hacker she stole my entire identity y Thanks, XXXX XXXX
Complaint sub-issue: Debt is not yours

Please consider this my formal complaint against Sears/CBNA who has repeatedly ignored my dispute letters requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on a derogatory account which is appearing on my consumer credit reports.

I have sent certified/return receipt dispute letters ( please see attached letters ) to XXXX XXXX XXXX requesting validation of the debt bearing my signature. These dispute letters were received by them on XX/XX/2018 and XX/XX/XXXX ( please see attached signatures ) The 1st letter went unanswered. The 2nd letter was them requesting the acct #, a copy of my credit report, & a letter of explanation. Clearly a stall tactic as I was very clear on what I was requesting from them.

Additionally, I noticed Sears/CBNA did not furnish the credit bureaus with the required disclosure of my dispute violating the FCRA Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the 30-day period ( please see attached credit reports ). I sent another certified/return receipt letter stating this and demanding they delete the derogatory report due to breaking these laws. They signed for this one on XX/XX/2018. They sent exactly the same response as described above. They have not deleted the account or marked it disputed.
Complaint sub-issue: Information belongs to someone else

My spouse called for her Home Depot Store credit card for adding me as authorized user. She asked them to increase her credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my credit profile or SSN? Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped. 
Called XXXX, talked to XXXX and he is stating that they can not trace this credit alert notification at all.
Complaint sub-issue: Charged too much interest

according to sunoco rewards card there saying on my account that im just making mimium payments WHICH im not and that my account is XXXX plus change I honestly believe believe this is wrong Ive been paying XXXX amonth never later or miss this was there reply Our record reflects that your account has revolving balance of {$1000.00}. which requires minimum payments each month as noted on your statement. Furthermore, Interest charges begin the day a charge is this was mine reply First of all I make more then just minimum payments and second my account showing more then XXXX it showing close to XXXX so your telling me i have XXXX in INTEREST no way I dont have any promations Ive never been LATE OR MISS ANY PAYMENTS I WANT THIS STRAIGHTEN OUT
Complaint sub-issue: Information belongs to someone else

my name, personal information etc was stolen in a fraudulent scheme from a hotel establishment, and cloned. I havent applied for or drive mortor bikes, etc. i can not get the correct identifiable information for the accounts listed because the customer service representatives tell me the information i give then dont match with the accounts on record.
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 {$800.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Complaint sub-issue: Debt was result of identity theft

Since the end of XXXX and early XXXX I have periodically received notices of collection attempts from XXXX through various agencies. Each time I have disputed the information with XXXX, through the credit bureaus, and to the collection agency. The account which XXXX has sent to collections never belonged to me and they confirmed that. It is still unclear how my social security number was attached to the account in question but the name on the account and the address associated with it was entirely unrelated to me. 
While I did use XXXX 's services in the past, I have proof that all accounts were closed at my request and entirely paid in full. I have not used XXXX since XX/XX/XXXX/XX/XX/XXXX. 
The collection mark has been removed and then re-placed multiple times resulting in drastic swings in my credit score as well as causing me hours of repetitive work fighting to remove the derogatory mark off of my credit report. 

Please contact for further details and proof.
Complaint sub-issue: Information belongs to someone else

The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 we booked three tickets from XXXX XXXX to XXXX ( XXXX ) via XXXX XXXX. Travel Dates ( XXXX to XXXX ) The ticket was booked using my Citi XXXX  Credit card points and the remaining balance was paid through Citi Costco Visa Card . Total of XXXX Points + {$2200.00} USD. 

The trip id is XXXX. Airline Reference # is XXXX. XXXX Reference Number is XXXX. 

The passenger names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The issuing company was citi XXXX  and is called XXXX  XXXX  XXXX  for XXXX  XXXX  ( XXXX / XXXX ). 

The tickets were fully refundable. 

Due to increase in covid and cancellation to travel back from XXXX, we were not able to take the flights and had cancelled the reservation before the travel dates. 

We have been following with XXXX  for the last 5 months and every single time they say that the amount will be refunded in 1-2 billing cycle. 

This is a large amount and have not been able to get the proper refund. 

I followed up today with my Credit card company and because the transaction has been over 6 months, unable to put it into dispute also. 

Please note that my husband had a separate ticket with XXXX XXXX  and the full refund came into our account more than 3 months ago. 

Please help in getting our full refund. 

Today when the agent said this call is getting recorded, I did tell that I am also recording the call, and she hung up. This is unfair and would really appreciate if you can get us our full refund.
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit report : XXXX  XXXX 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: Problem with customer service

We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for a {$110.00} deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We have not received the {$110.00} payment deferment as promised for XX/XX/XXXX that is due by Monday, XX/XX/XXXXper XXXX Irma Relief at XXXX XXXX XXXX. 

XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.
Complaint sub-issue: Account status incorrect

XXXX, XXXX, Equifax Accounts : 1. XXXX XXXX XXXX XXXX- needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
2. XXXX XXXX XXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan 3. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
4XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
5. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
6. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
7. XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
8. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
9. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
10. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts they also violated my rights under. 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. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXXXXXX Equifax- XXXXXXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/ 2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by 29 points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
Complaint sub-issue: Card opened as result of identity theft or fraud

I applied for a Credit Card in XXXX, and was denied due to delinquent payments. I requested a credit report I needed to know who the creditor was to get this corrected. 

I was married in XXXX and was divorced XXXX. My married name was placed on a Merchants Credit Card by the Primary Account holder as an Authorized user. The creditor placed itself on all 3 Credit Reporting Agencies that I am a Joint Owner. 

I called the creditor in XXXX and spoke to a Representative XXXX, and I explained that I never applied for credit. I was listed as an Authorized User Only, but the Creditor is showing on my credit report as Joint Owner. I asked how can I get my name removed off of the account, and XXXX stated the primary person has to remove my name. I called the primary person, and asked if they would remove my name off the account, they said Yes. I didnt think anymore about this issue because I thought the issue was handled, and the file was closed. 

Once I realized that this creditor was still listed on my Credit Reports. I submitted Disputes for several years requesting Removal, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I scanned my Divorce Decree to show that all parties were responsible for paying there own debts. The credit reporting agencies didnt remove the creditor, and they stopped me from being able to submit anymore Disputes Electronically. 

I was reading information about fraud, and how accounts are opened without your knowledge. The literature stated that I should file an Identity Theft Police Report if I have Fraudulent accounts showing on a credit report. XX/XX/XXXX I filed a Police Report Case Number XXXX. 

I searched the internet for additional help with my problem, and I stumbled upon the Federal Trade Commission Identity Theft Report system. I created an account and followed the instructions on the website. XX/XX/XXXX I filed a FTC Report number XXXX listing the Creditor, Account Number, Date Fraud began, and the Amount of debt {$1700.00} requesting removal. 

I was instructed to create Dispute letter Notice to Furnisher dated XX/XX/XXXX mailed the letter with enclosures : 1 ) Identity Theft Report, 2 ) Proof of Identity 3 ) Notice to Furnishers of Information, I received no response so I sent a 2nd Dispute Letter dated XX/XX/XXXX. I received a response letter from the Creditor dated XX/XX/XXXX the Creditor used a former name listed in the Divorce Paperwork, that I never used. The letter stated the information was forwarded to the Fraud Investigation Department for further Investigation, and the Fraud department will contact me regarding my concerns. I have not received anymore letters regarding this matter.

Further instruction had me create 3 letters named Request to Block Unauthorized Charges from the credit report under FCRA 605B to all 3 Credit Bureaus dated XX/XX/XXXX. XXXX with enclosures : 1 ) FTC Identity Theft Report, 2 ) Proof of Identity, 3 ) Copy of Credit Report, 4 ) Fair Credit Reporting Act Section 605B.
Complaint sub-issue: Personal information incorrect

On XXXX XXXX I wrote to XXXX XXXX, Equifax, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX XXXX XXXX