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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, Equifax XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis has sent me XXXX or XXXX Credit Reports with my XXXX XXXX name and information. The more I complain, the more he is reported as myself and the less my actual name appears. I move the dispute to to XXXX Level. The FIX is to punish me, change my name to his while listing reports in his name belonging to his Credit.
Complaint sub-issue: Reporting company used your report improperly

The company Equifax has collected sensitive and unchangeable information about me such as : SSN, credit card numbers, ID, bank account numbers. 
I have never authorized Equifax to collect my personal information. 
Furthermore, Equifax divulged my information without consent through negligence in safety measures on their databases. 
The information lost can not be changed, is permanent and sufficient to steal my identity. It is a permanent damage. 
To add insult to the damage, the company offers paid monitoring to " control '' the permanent damage they caused.
Complaint sub-issue: Problem with fees

Citi Bank - Shop Your Way Credit Card. 
I have the following card that I don't use frequently 3 months ago my wife used the card for a single transaction that was {$21.00}. unfortunately I was not aware of this and i missed paying the amount for 2 months. Citi bank charged me two late fees the first for {$21.00} and the second for {$39.00} plus interest. I called them to resolve the situation by offering to pay the original charged amount plus interest due. Unfortunately they did not accept my offer and insist that I owe them the full amount which is now {$86.00}. 

again the original charge was {$21.00} first late fee was {$21.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$23.00} second late fee was {$39.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$41.00} i am trying to resolve this but they insist on charging late fees and interest that exceeds that original amount.
Complaint sub-issue: Attempted to collect wrong amount

Over 15 years ago I got a phone from my sister it hardly worked I called and told XXXX XXXX XXXX too turn it off. I was told the phone was not in my name and XXXX XXXX XXXX refused to turn it off even though I stopped using the phone they Kept charging.I haven't had contact with no collection agency.So I don't know why this is still on my report after so many years.The only way I know about this is because it's on my XXXX XXXX.No one contacted me about this bill.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.
Complaint sub-issue: Problem with personal statement of dispute

trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with 3 different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help
Complaint sub-issue: Information is missing that should be on the report

I had a loan with Ally Financial the last four digits of the loan account were XXXX. 

In review of my XXXX Credit report I am seeing that Ally has only made minimal entries that the Credit Bureau sees.

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with Ally until I paid it off.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent out a dispute via certified mail receipt : XXXX, regarding inaccurate and unauthorized information being furnished on my consumer report. Till this day I have not gotten any response nor resolution to my disputes, I am being ignored and my rights are being violated. I have contacted them multiple times only to be ignored. they are in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Public record

I am requesting an investigation because there is Public Record Information on personal credit profiles that is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. As it is understood that the credit bureaus have retrieve my information from a third party entity without my authorization, I am entitled by my consumer rights to have the full contact information and ID that they have " verified '' this information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have contacted the the Bankruptcy Court and they have confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased an XXXX XXXX online from XXXX. On the very same day I canceled the order because we found out due to school regulations my son couldnt take this type of battery type item to his school. We immediately contacted the company but they shipped it anyways claiming a time difference made them not see cancelation. They told us to reject the XXXX package when it arrived and it would be returned to their warehouse in XXXX, California. On XX/XX/XXXX we REJECTED THE PACKAGE AS INSTRUCTED. On XX/XX/XXXX it made it back to XXXX XXXX in XXXX, California and was SIGNED FOR AND WE HAVE PROOF OF DELIVERY XXXX AND NOTIFICATIONS FROM XXXX. The XXXX company of course has given us the runaround for 7 months claiming they are in XXXX and need to XXXX XXXX with their warehouse guy if he got it, I EXPLAINED HE SIGNED FOR IT!!! NEEDLESS TO SAY 7 months later I still have no refund of the {$270.00}. Upon researching and talking to many people they said but you used a CREDIT CARD and credit cards provide CONSUMER PROTECTION!!! I have had both of my disputes with DISCOVER CARD denied. They RIDICULOUSLY claim I need written proof on XXXX XXXX that XXXX exists at the XXXX address. XXXX told me this is the most ridiculous thing they returned it to sender and gave me proof but DISCOVER says its not good enough proof??????? I have been a DISCOVER CARD holder for nearly 30 years and this is the first thing I have ever asked for help with and I will NEVER ever use Discover again. Please help my son still doesnt have a birthday gift 7 months later because I need the darn money back that is RIGHTFULLY AND LEGALLY MINE.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received an email notification from macys about my balance so when I logged in I saw I had a credit on my account. I have a few credit cards so I didn't think anything of it and asked them to just send me a check, which they did. Then suddenly about a month later they had charged like $ XXXX to my account so that it would show that I actually owe the same amount as the check. I now realize their mistake but they can't just add a balance to my account without my permission when I haven't even purchased anything nor used the card. I kept contacting them to take it off my account but they kept trying to turn it around on me, like I'm responsible for their mistake. Then to top it off they took a payment out recently when I don't even have my account on autopay. It's beyond infuriating and I've spoken to multiple people and nobody has helped.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2020 a notice of payment was sent 2 my address from Jefferson Capital. The notice stated that there was an account that was in collections. The amount was {$1600.00}. This account is the result of identity fraud.
Complaint sub-issue: Other problem getting your report or credit score

My Equifax report and score is not showing up.
Complaint sub-issue: Card opened as result of identity theft or fraud

back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Every year, FedLoan Servicing requires loan participants to submit an employment certification form. My HR representative completed and signed the form, as she has in the past. I received an email notification from FedLoan Servicing directing me to go to their website to login to receive communication from them. When I logged in, there was a message that they could not certify my employment because I did not include an end date for my employment, The other reason was that my form was not signed. Both reasons are false. 
On the form, the HR representative put a check in the box that I am still employed. The HR representative signed and dated the form. When I called FedLoan Servicing this morning, their representative, who identified herself by a rapidly read number, not a name, told me that the reason the form was denied was that the " XXXX '' on the date was altered and that if any changes are made to information on the form, it must be initialed by the person making the change. I explained to the person that the HR representative only darkened the XXXX in 2017. I also explained that there is nothing on their website that indicates that if a person makes changes to the form that it has to be initialed by the person making the change. If the person who makes changes to a form has to initial the change, why is n't this information listed on the website so loan participants would be aware?
Complaint sub-issue: Debt was paid

The debit was paid in full upon cancellation of my account with XXXX.
Complaint sub-issue: Information belongs to someone else

This is my sixth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fees

We have a Citi thank you XXXX Master Card. We do not receive paper statements and use the Citi Mobile app to access account information. Up until recently, the app worked fine. We were able to view account activity and always paid in full, on time. 

In XX/XX/2021, I needed to call Citi to request a fee waiver. We incurred a late fee because the app was giving a consistent error message, stating Having trouble signing in. Please try again. We were not able to access our account and did not know it was overdue. Citi approved the waiver in the amount of {$13.00}, and we paid the remainder of the balance due. 

The same issue occurred in XXXX and we were assessed a late fee and interest totaling {$29.00}. I immediately called Citi, paid the full balance of our purchase and asked for the late fee to be waived because of the same difficulty with the app. I was told that they would not waive the late fee because it was already waived once for us this year. 

We are requesting that Citi waive the {$29.00}. Once our account has a zero balance, we want it closed. 

We feel that Citi has barriers to access our personal account information. Please note that the wording of the error message on the app stated Having trouble signing in. Please try again. It did not state that my username or password was incorrect. After receiving the error message multiple times we attempted to resolve it using the Having Trouble Signing On tool in the app. We provided all the necessary information only to get a message stating Unable to Verify. We should not be required to expend a significant amount of time to obtain our account information, only to be assessed an exorbitantly high fee if we are unable to.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Our family and the families of our cosigners are XXXX and people with Limited English Proficient ( LEP ). 
When applying to Sallie Mae Bank for a student loan to pay for tuition at XXXX University, we did not receive any explanation from this Banks about the financial risks for the borrower and his cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Bank is simply trying to involve more people in the process of obtaining a student loan for his greater safety, that is, Bank puts his financial security first, and not the financial security of his customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Bank and our cosigners. We made several full payments in Sallie Mae Bank even while our son is still student. We continue to make payments to Sallie Mae Bank, but our financial resources have run out. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again,  we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of Sallie Mae Bank towards us as his clients and his unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing contracts for student loans.
Complaint sub-issue: Information belongs to someone else

I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} XXXX  account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} DISCOVERBANK account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} CRDT FIRST account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Complaint sub-issue: Debt is not yours

This account was originally owed by my ex-wife. It consisted of an electric bill and gas bill from two separate residences in XXXX XXXX, NY and XXXX, NY which were combined by XXXX XXXX XXXX Gas and Electric into one account when my ex didn't pay the bill for which she was responsible. The combined total was reported to collections in XX/XX/XXXX, scheduled for removal from my credit report in XXXX. The debt was aparently sold to another agency, IC Systems, on XX/XX/XXXX, account number XXXX. This created an additional issue, which is huge. IC Systems reset the collection date another 7 years, even though my only interaction with them was an online dispute through XXXX XXXX as an intermediary. This is unfair and a violation of Fair Credit standards. Currently reported to XXXX and XXXX XXXX, I want this debt removed immediately from my reports.
Complaint sub-issue: Account status incorrect

My credit report shown active as of XXXX when the actual closed account was in XXXX.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My card was charged for an item I didnt order. I have tried to work with the merchant they told me they had no record of charge for me .i received a letter stating my card was credited and it never was I  disputed this with Home Depot credit card they sent a document stating my card was used it clearly shows not my name. I never had anything delivered to my home my card has not left my possession. I was informed my card was not chipped or swiped. I contacted the merchant and they told me they still had no history of an order for me. I have tried relentlessly and in good faith to resolve this issue. This has caused a lot of stress to my health.
Complaint sub-issue: Debt is not mine

I checked my credit report and discovered that this company has reported that I owe him a debt but I never received anything from them prior
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THE ACCOUNTS HAVE BEEN DAMAGING MY CREDIT REPORT WHICH I WAS UNAWARE OF.