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

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
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 {$10000.00}, {$17000.00}, {$16000.00}. 
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 ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this report.
Complaint sub-issue: Reporting company used your report improperly

unauthorized hard inquiries on my credit report listed need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/23 I opened my Discover app to check my current account status. I noticed 2 withdraws out of my savings account, one for {$2500.00} and then another for {$2400.00} from a XXXX  XXXX company. I then called the customer service line immediately. The customer service rep froze my accounts per my request but said he cant do anything about the withdraws and that I need to talk to the security team. He said the wait time was approximately 1 hour and asked if it would be ok to wait that long, if not to call back the security line directly from XXXX to XXXX XXXX. I took the number down but told him I am more than concerned due to the amount and would be wiling to wait. I was on hold for 3 hours and 32 minutes to have the call dropped. I had to continue working so I had my wife call and she had almost the identical experience, around 3 hours and 11 minutes on hold and her call was dropped. 

After not being able to reach anyone on XX/XX/23 I decided to call at XXXX XXXX  XXXX the XXXX number given. I finally reached a customer service rep after being on hold for 28 minutes. This rep told me that she couldn't help me and that I needed to call XXXX to get help with that. I said " I wish I could screen shot my phone and send to you right now because this is the number we are on ''. She said right but the security folks are not available until XXXX XXXX  XXXX. I then asked so you are requesting me to call back in 15 minutes to be able to speak to someone in security. She said yes. 

I called back 15 minutes later at XXXXXXXX XXXX XXXX to receive the automated message that they are experiencing a high volume of calls at the moment and to speak to a specialist would be over 3 hours. I hung up as I had to go to work and had my wife call. My wife has been on hold twice today now for over 3 hours. I still dont have any resolution or any way to get ahold of anyone to discuss this matter.
Complaint sub-issue: Fee problem

I was recently charged a {$3.00} " Paper Statement '' fee on my Key Bank Checking account. 

I am not worried about the {$3.00} ; however, to ensure this fee was legitimate, I contact Key Bank ; and requested they provide me with the terms and conditions of my account as this was a new charge. They said that they previously mailed it. I requested this in mail, again, -- -but they said that they could not do this ; as it was online.

I asked them to show me, where on my online account, it was ; and after being disconnected twice- they finally directed me to a public page -- -that had some information; but said nothing about the {$3.00} ( There was a different page that actually said 1 statement a month was free ; and additional requests were {$6.00} ). 

When I attempted to contact them again, I reached the same chat representatives ( XXXX and XXXX I tried multiple times to re-connect ; but they disconnected me each time. 

It appears as though Key bank is not being transparent with fee schedules and other terms and conditions with my account ; as they will not send me this by mail ; at my request -- and they have been unable to show me how to access it on my online account after several attempts.
Complaint sub-issue: Account information incorrect

I looked at my Equifax Credit report today and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a 1099C form for tax purposes as the debt has been canceled out and is reporting as income to the Internal Revenue Service. I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 


XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Account status incorrect

DISCOVER CARD RECEIVED A FULL PAY OFF FROM ME EARLIER THIS MONTH. WHEN I PULLED MY CREDIT TO MAKE SURE THEY HAD REPORTED IT CORRECTLY I NOTICED THAT THEY HAD REPORTED MY PAYMENT LATE TO THE 3 MAJOR CREDIT BUREAUS FROM XXXX OF XXXX TO XX/XX/XXXX WHICH IS INCORRECT AS MY ACCOUNT WAS PAID EACH MONTH ON TIME WITH A PAYMENT THEN WHEN I FELL ON HARD TIMES IN XXXX WITH SOME HEALTH ISSUES INSTEAD OF LETTING MY PAYMENTS GO I HAD AN DEBT MANAGEMENT COMPANY COME IN TO MAKE MY PAYMENTS. ALL PAYMENTS WERE CURRENT EACH AND EVERY MONTH MOVING FORWARD. AS A MATTER OF FACT EACH MONTH I MADE DOUBLE THE AMOUNT THAT DISCOVER WANTED. THEN I PAY THEM OFF THIS MONTH AND NOW I SEE THIS. 

I CALLED DISCOVER AND THEY ARE UNABLE TO PROVIDE VERIFIABLE PROOF THAT I WAS LATE WITH MY PAYMENT. THEY SIMPLY SAY " OUR SYSTEM SHOWS THAT IT WAS '' THIS DOES NOT MEET THE FCRA REQUIREMENTS WHICH SAYS ALL INFORMATION BEING REPORTED HAS TO BE 100 % ACCURATE, COMPLETE AND VERIFIABLE. 

THEY ARE ALSO STILL REPORTING IN THE COMMENT SECTION THAT THE DEBT IS BEING HANDLED BY A THIRD PARTY TO MAKE PAYMENTS. THIS IS INCORRECT. 

I AM NOT SURE WHAT DISCOVER CARD HAS TO GAIN BY REPORTING THIS INFORMATION SINCE THE ACCOUNT HAS A XXXX BALANCE AND IS CLOSED. I AM REQUESTING THAT ALL LATE PAYMENTS THAT WERE REPORTED ON THIS ACCOUNT BE REMOVED IMMEDIATELY AND ALL COMMENTS THAT REFERENCE PAYMENTS BEING SUBMITTED BY 3RD PARTY DEBT MANAGEMENT BE REMOVED. 

THE ACCOUNT IS IN GOOD STANDING AND THERE SHOULD BE NO REFERENCE OF ANY LATE PAYMENTS IN THE PAST AS THE ACCOUNT HAD PAYMENTS MADE EACH AND EVERY MONTH.
Complaint sub-issue: Problem with paying off the loan

I have been doing all I can to pay on my truck. Since XXXX it has gotten worse with paying my payments. Threats of repossession and the like. 
Income tax return I paid a large amount. Stimulus check I paid more. I even got a loan from my retirement to make payments. Then they told me again they was going to repossess. They gave me an amount that would pay off the truck. I have it in a text message from Nafco on my phone. I got the amount they wanted. XXXX. Email today says that I still need XXXX more. They received the big check which was a certified check from the bank. By paying off my truck i want to be done with the harassment. I do not trust Nafco Finance. At all
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX XXXX XXXX sending written statements to the fraud. 

I have tried several times to send information to Equifax to be given the same generic response that is not applicable to my case. XXXX has researched & determined the inquiry as fraudulent but Equifax refuses to remove.
Complaint sub-issue: Was not notified of investigation status or results

REF TO EQUIFAX AND XXXX : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York XXXX Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, XXXX XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and XXXX and Equifax do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. Equifax and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX. 
XXXX Driver LIC # XXXX
Complaint sub-issue: Sent card you never applied for

I believe some one is getting credit cards in my name I don't have any credit cards in my name so if there any credit cards on my credit report open at this time they're not to me someone has stolen my identity and is pulling credit cards in my name
Complaint sub-issue: Information belongs to someone else

This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Didn't receive notice of right to dispute

Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX  with no assistance. I have no other option on getting this taken care of.
Complaint sub-issue: Account status incorrect

XXXX XXXX  aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus XXXX Equifax and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between 7p and 74 points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.
Complaint sub-issue: Personal information incorrect

I disputed inaccurate personal information ie : addresses, names, phone numbers on my credit report - Equifax on XX/XX/2019. Equifax deleted items on report number XXXX reviewing that personal information deemed incorrect and unverifiable. In XXXX I carefully reviewed my Equifax credit file and acknowledged that Equifax violated my rights per FCRA by re-entering and reporting the same erroneous information that does not belong to me and undeliverable. To my knowledge per FCRA, any Credit reporting agency must notify the consumer in writing within five business days before entering and reporting information that has been deleted prior to reporting information.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} DXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Cashing a check

A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$11000.00}
Complaint sub-issue: Information belongs to someone else

I called Tell them I have a fraud account but I cant understand them and they help me
Complaint sub-issue: Reporting company used your report improperly

I sent off letters to dispute accounts with XXXX, Equifax and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Complaint sub-issue: Debt is not yours

There is an account that I have written to XXXX and equifax because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with statement of dispute

The collection accounts on my report are medical and are using illegal balance billing especially on Equifax.
Complaint sub-issue: Information belongs to someone else

To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter
Complaint sub-issue: Application denied

This bank has discriminated against me numerous times they respond saying I cant have an account when I never had one Im avictim of identity theft their credit department told me to apply for a secured card which I have and their fraud department is very nasty to me Im tired of they esybim treated by then they refuse to process my application. And their credit department says I should build a relationship but they wont allow me this bank is crazy must be investigated they tell me to write them a letter like I have time for that to their office Of the president I wish they would contact me in regards to this this is not nice the treatment and lies of this bank they arent horibke I wish they went out of business
Complaint sub-issue: Can't get flexible payment options

I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
Complaint sub-issue: Problem getting my free annual report

Went to the government 's official credit reporting site, XXXX, and the only service that gave me a report was XXXX, Equifax gave me a XXXX ( which is a server error ), and XXXX did n't work but then thanked me for using their service, without providing a service, which means I ca n't look at it until next year.
Complaint sub-issue: Account information incorrect

A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. XXXX and Equifax score dropped to XXXX. The following week, Equifax updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.
Complaint sub-issue: Account status incorrect

THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX  AND EQUIFAX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU