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

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}
Complaint sub-issue: Reinserted previously deleted info

I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on XXXX, Equifax , and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Complaint sub-issue: Account status incorrect

Well known how XXXX  and clumsy equifax is!!!  Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!!  I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!!  ALL this negative garbage already in my credit reports. This is tortuous stupidity trying to scam my credit report with duplicated garbage!!!  PLUS, equifaxs criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new idiotic account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct equifax have malignantly created a new phony collections ( same) debt already reported 3 years ago.  These vile derelicts at XXXX XXXX  have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of XXXX. I had a late payment with XXXX XXXX XXXX. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by XXXX during this era of life. I asked XXXX to help with the late payment reported and they said there was nothing that can be done.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXXwasmaileddisputesregardingmycreditreportfortwomonthsworthoflatepaymentsreportedfromXXXXandXXXXofXXXXcausingmetohave6(six)latepaymentsshowonmycredit.Aftermorethan6monthsitwasfinallyresolvedandXXXXXXXXsentcorrespondencetomeandalsoherethattheissuewillbecorrectedandtheupdatewillreflectonmycreditreportswithin60daysfromXX/XX/XXXXwhichitwas.
However,XXXXXXXXcamebackhereonCFPBinXXXXandstatedthatagaintherewasanothererrorandthecorrectiontoremovethelatepaymentsfromXXXXandXX/XX/XXXXwasalsoremovedinerrorandthatthelatepaymentsshouldremainonmycreditreports.
MyissuewithXXXXXXXXisthattheyarenotresolvinganissuethattheycreated.Ihavesentseveraldisputestothiscompanyandhavenotreceivedanyformofresolutionthishastakenatollonmementally,physically,andemotionallytohavetoendurepainandsufferingallbecauseoftheirmistakes.Nooneatthiscompanyhastakenaccountabilitytoresolvemyissue,pleaseassistandIwanttheselatepaymentstoberemovedonceagainfromallthree(3)ofmycreditreportsimmediately.

Fortheircompanytoagreetoupdatethisinformationthenlatergobackandaddittomyreportisdestructivetomycreditworthinessandillegal.
Complaint sub-issue: Reporting company used your report improperly

In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a CitiGold checking account with a promotional offer according to which I was supposed to receive XXXX XXXX XXXX   miles. I completed the requirements of the offer by the first week of XXXX and confirmed it with the bank. I was informed that within 90 days of fulfilling the requirements I would receive the bonus. 

When I checked with the bank after the 90 days I was informed the bonus would be credited within soon, which later became around third week of XXXX, which became the XXXX of XXXX. 

Finally when I again reached out to the bank on the XXXX of XXXX, I was told that there isnt a date that can be provided but theyll open an internal investigation. 

I have had 5 different conversations about it over a month and just keep getting different answers. 

Seems like the bank is just fooling with me. I have had to spend a significant amount of time communicating with the bank and would ideally like to be compensated for that too.
Complaint sub-issue: Information belongs to someone else

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}
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 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 XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently conducted a review of my credit report, and I noticed that your agency showed CITIBANK ( CBNA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -CITIBANK  ( CNBA ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted Citibank, and XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

In According with the Fair Credit Reporting act, Everything has to be 100 % Accurate on my credit report, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) The below account are in Violation of not reporting 100 % Accurate. 

I have been disputing about my Discover Bank Ending with # XXXX with XXXX, XXXX to remove this account but they keep coming back and saying the account is verified. Attached is the Credit report which shows inaccuracies on my Credit Report. I would request to Delete this account and information related to this account completely from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax has leaked my information in nation-wide data leak. I believe they improperly delayed the disclosure of the event. They neglected to take the proper cybersecurity precautions. I believe that they are technologically incompetent for the following reasons : 1 ) Lack of third party security audits 2 ) Creating a whole new domain with a completely different certificate authority signing it just to relay important information. This has prompted many fraudlent other domains with the words " equifax '' " XXXX '' and " security '' to be created that will no doubt be used to further defraud its customer base. 3 ) Equifax lacks the modern infrastructure to manage such a large amount of important data.
Additionally I believe they completely mismanaged the situation. XX/XX/XXXX they were alerted to the breach. They did n't even get their new domain signed ( SSL cert ) until XX/XX/XXXX. Why did it take them over a month to begin notifying users? Why did n't they immediately email or mail their affected customers? Why does it become the consumer 's responsibility to go check if they leaked our information?
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I XXXX XXXX contacted the original creditor XXXX consumer use XXXX at that time I was informed that thi debt or collection is voided and invalided. this account was sold to Jefferson capital system on XXXX Jefferson fail to provided information to me about this matter this account do not blong to me I have no information about this debt I have provided a mailing address im requesting documents of this account and proff.within 30 days
Complaint sub-issue: Received bad information about my loan

I have the following issues with AES, the servicer of the student loans : 1 ) AES failed to provide information about how I, as the co-signer, could be removed from the loan and when questioned, I was told that I no longer qualified because the primary borrower had failed to meet the requirement of making XXXX on-time payments due a hardship forbearance he received. I was not told if I was barred for the life of the loan or if there was a reset period. 2 ) Also, AES failed to provide the information about how the account could be rehabilitated and negative reporting removed. They were not able to provide me with a contact that could provide this information. I was told to call the lender, National Collegiate Trust, who then told me these decisions were made by AES. 3 ) In addition, despite me filing fraud claim with AES against the primary borrower regarding these loans, AES reported a 30-day delinquency on my credit report. 4 ) Finally, the delinquent account was turned over to a collection agency by AES, but I never received any written correspondence from the collection agency prior to the delinquency being reported to the credit bureau because the collection agency was given an outdated address. My account is set for me to receive paper correspondence.
Complaint sub-issue: Problem during payment process

Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted Discover Card IT recently when I found out who I believe was a previous roommate who got into my office and opened up a Discover Credit Account under my name and even added my son to the account ( who doesnt live with me to cause confusion ) she also ordered items under my name and so on. Discover card statement zero fraud liability. I have contacted Discover regarding this and spoke with a gentleman regarding this in the Fraudulent Department who also sent me correct information stating that I am not responsible for the account since I never opened it up. They advised me that They closed the account prior to me disputing the account in its entirety because they believe that the account wasnt opened up by me. I received a call regarding the matter from Discover collection states my account is in collections. I am currently being proactive regarding this matter because a reliable coworker had the same problem with Discover and they advised her that she would not be responsible only to find out that another person got there hands on the fraudulent account only to override the previous discussion and corespondents.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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: Account status incorrect

I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account in dispute are listed below JEFFERSON CAPITAL SYSTEMS I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below
Complaint sub-issue: Didn't receive enough information to verify debt

Was called not mailed a letter by collection agency about a XXXX debt. Sent letter of dispute as had set up payments with creditor XXXX for hospital bill. 
XXXX sent me a response saying they couldnt accept payments as it was part of a lawsuit and since my lawyer requested documents for an auto accident they couldnt talk to me. 
I explained the debt with the XXXX   was not related to the accident that I wanted to pay it off. I contacted sca and they told me it was sent back to XXXX and they didnt have an account in my name. I sent letter asking for validation of debt Never received validation. Never received any letter from XXXX saying debt was going to collections. 
I want this removed from all my credit reports ASAP and for XXXX to send me a validation letter and also sca to provide me with why they didnt send a validation letter and why they said they couldnt take payments since it was involved in a car accident when it was not. 
I made payments on the XXXX   account in XXXX before this all happened and was told once they received my payment they would reset the payments and start the billing over for me to get it paid off. Then I never heard back and got a call from sca. 

This is a violation of debt collection its a violation. Not validating the debt after request and its a violation of patient rights as my medical records were sent to a third party violating hippa I want this removed from my credit report ASAP.
Complaint sub-issue: Deposits and withdrawals

Unemployment claims were deposited into my account and, my card was deactivated and the funds that were deposited are not in my account once they made my card active ,3 deposits or more are not accounted for, I have not received any yet customer service was notified by unknown in XXXX and IA, also I made a complaint. My funds were over XXXX  dollars and my bills are behind, bills are overdue and some in debt collections. Please resolve this issue so I can return to work eventually. Thank you XXXX XXXX
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, Discover Financial Services began reporting an alleged debt that they claim I owe to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have informed the 3 credit reporting agencies that this debt is not mine and on XX/XX/XXXX XX/XX/XXXXsent me results from my dispute saying that Discover certified that the information belongs to me. 
1. How can a company certify that a consumer owes a debt and a company can not talk. 
2. A representative of the company can not certify that I owe a debt, especially since this is a consumer credit transaction. 
On XX/XX/XXXX, I requested by certified mail that Discover send me validation of debt pursuant to 15 usc 1692g and Discover did not honor my request. Instead on XX/XX/XXXX Discover sent a letter requesting that I provide them with sensitive and personal information that is an invasion of my privacy as a consumer. 
In the letter which is noted as Exhibit A, Discover violated 15 usc 1692b. ( 5 ) by including their logo in the mail content that they sent to my address at XXXX XXXX XXXX, XXXX NJ XXXX. Discover placed this account on my credit report and it is destroying my credit file and negatively affecting my personal life.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on XXXX and Equifax that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.
Complaint sub-issue: Deposits and withdrawals

Already reported previously to Discover bank back in 2020 after it happened and nothing was done. Went to the SSA OIG and reported crimininal theft of over {$20000.00} of my SSDI and SSI backpay from two separate ACH wire transactions from the perpatrator to herself and her mother. Unauthorized access via telephone to my Discover Online Checking and Savings accounts. This perpatrator is a XXXX year old female licensed GA XXXX whom conned me into believing that we were married based of a marriage license to gain health insurance benefits, fraudulently cashed and stole out of my mailbox, forged her signature on my stimulus checks, cashed them and only way i found out was through the IRS doing a skip trace then only to further add insult received a photocopy from thr IRS of one of my stimulus checks forged by the same women whom illegally, criminally, maliciously and fraudulently stole over $ XXXX in two separate ACH wire transactions while Discover Bank didnt do anything to help me when i reported it to them in 2020. Ive gone to the FTC, SSA OIG and adult protective services and filed criminial complaints against this woman for doing this to me and nobody bothered to follow up or care. Im a XXXXXXXX XXXX XXXX veteran and desperately need your help!