Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.
Complaint sub-issue: Information belongs to someone else

Equifax has not acknowledged my identity theft reports I have sent to them per the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a collection account ( XXXX ) from XXXX XXXX XXXX on my credit file that do not belong to me. After reaching out to this collection agency they have failed to verify this account. XXXX XXXX XXXX subsequently has agreed to remove all information regarding this account from my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.
Complaint sub-issue: Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Complaint sub-issue: Debt is not mine

I was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries on consumer credit report.
Complaint sub-issue: Was not notified of investigation status or results

I saw inaccurate information on my credit report. XXXX XXXX XXXX is showing a late payment remark. I was never late on this account. I always pay my obligations on time.
Complaint sub-issue: Received bad information about your loan

This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.
Complaint sub-issue: Debt is not yours

On XX/XX/2019 I had disputed a debt collection from I C Systems. The debt is not mine but and the account was opened under a similar name. I tried to explain this but the dispute came back unsuccessful.
Complaint sub-issue: Information belongs to someone else

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance {$1600.00}
Complaint sub-issue: Information is not mine

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted a dispute for an inaccurate late payment that is reflecting on an installment account for the month of XX/XX/2022. The investigation resulted in a verified reporting. Thus, is incorrect as I submitted proof of payment as well as communication from the furnisher that the payment was made on time and in full and should be reported as such and not over 30 days late.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXL Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status

1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Complaint sub-issue: Information belongs to someone else

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ; XXXX ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Us Bank has pulled my credit without my permission. They have stated that the pull was requsted by US Bank Mobile app.I have continued to be discrimnaited against when going into braches and over the phone. US Bank have turned me away serval times during check cashing our check deposit process. They also has block my crad in the past to prevent me from getting money out the ATM. US bank failed to get my permission to pull credit and did not send me proper notice of such pulling. i have stated to them that i monitor my credit very close. On XX/XX/XXXX XXXX  supervisor of us bank stated that i am eligilbe for a upgrade to a unsercured card but a had pull on my credit must be made. i explained to him a brach manager stated that since I am a customer and and hard pull was done when opeing the secured credit card than only a soft pull is needed. This will be my second complaint against the bank for unfair practices this is plan discrimination and due to other complaints that i hav filed aggainst the bank. i was told if i had problems with them and didnt like the service to go find another branch. they also have continued to do a soft pull on my credit report and not provide and explaination as to why. i have been outstanding and have made all payments on time.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Theres an account reported by XXXX XXXX XXXX. I have been going back and forth with this agency. But I wont even get into that right now. I went through the automated system and answered a series of questions verifying my info. The automated system Then give me information about dispute. I wanted to speak to a live person. So I selected an option to speak to a live rep. I was once again asked a series of question which I answered and was locked out of my account. I looked online and saw that other consumers have had a hard time reach anyone please help
Complaint sub-issue: Debt was result of identity theft

I was contacted by a collection agency by phone for a debt I did not make and for which I know nothing about. I told them I do not owe any debt and never lived at the apartment in question. I explained that I have been living out of the state of Florida for most of the past XXXX years and that I just returned to Florida in XXXX, XXXX due to medical issues. In fact, I was living in Maryland from late XXXX, XXXX to XX/XX/XXXX. Several days later, I received a letter requesting payment for the same apartment. I am in recovery at present due to medical issues and this matter is distressing to me and causing detriment to my recovery. I informed the agency that my identity had been stolen.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem getting your free annual credit report

Hello and how are you all doing? I hope very well indeed. First, I have been attempting to get a copy of my credit report for the last two years XXXX XXXX. Second, I was asked to send in my documentations so I did such as XXXX XXXX and an ID. Third, I sent it to them on XX/XX/XXXX. Fourth, afterward I receive a second letter stating the same thing as the letter I receive XX/XX/XXXX and XX/XX/XXXX. Fifth, therefore ; I called and the staff was unable to find my report on XX/XX/XXXX at XXXX. Sixth, I filed a complaint with XXXX XXXX and they directed me to you all. Seventh, I am filing a complaint against them because this is unacceptable. Finally, I just wanted my credit report that I have been getting every year. Thanks.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for Texas XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on Equifax. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called XXXX 's Fraud Alert call center and spoke with XXXX. He confirmed that XXXX had the same item reported on my credit report with XXXX. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to XXXX that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that XXXX and Equifax ( and presumably XXXX also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/XXXX, I received a letter in the mail stating that I had a bounced checked that came back. I called the bank and they stated they would investigate it. The check was written out XX/XX/XXXX. 

I have been receiving letters of credit denial, someone also has been trying to run my credit to open new accounts. 

XXXX XXXX XXXX XXXX XXXX Best Buy XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Complaint sub-issue: Personal information incorrect

My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.
Complaint sub-issue: Problem with customer service

Repeated attempts to contact Mohela to both gain information re : my student loans that they managed, and well as to request account updates, have resulted in zero responses. The loans they serviced were federal DL loans. 

During the pandemic, I made payments towards, and paid off in full, student loans that were held/managed by Mohela. These payments were voluntary, and not required, as they fell within the parameters of the interest/payment pause beginning in XXXX of XXXX. Since the initial announcements by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to contact Mohela to confirm the amounts I paid during the period of interest/pause, and to request a refund of said amounts in order to take advantage of the forgiveness. 

Despite stating to a response will be issued within 3 business days of messages being sent, I have yet to receive any response from Mohela to messages I submitted on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( I just sent this today ) In addition, I have spent more than 12 hours on hold over the span of 6 different phone calls, and as of today, they are " not accepting calls ''
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2020 a charge of XXXX from XXXX XXXX appeared as a pending charge to my Citi credit card account. I additionally received notice to contact Citi Fraud Department based on perceived fraudulent activity. I called immediately and was told the dispute process could not be started until the charge posted but that would happen automatically since I reported the charge as fraudulent. I did not make this charge and have no idea who did. 

On XX/XX/2020, the charge appeared as a posted charge for XXXX from XXXX XXXX with a charge date of XX/XX/2020. Additionally, a credit for XXXX appeared with a date of XX/XX/2020. Again, both of these are fraudulent. 

On XX/XX/2020, I contacted XXXX XXXX and a fraud investigation was started on their side as well. I was told the name on the airline ticket purchased with my card was not mine but they would not tell me who it was or where they were flying from/to. 

On XX/XX/2020, I additionally recontacted Citi fraud department as the charge and credit were still appearing in my account. The fraud department connected me to a second " specialist '' who told me the dispute would not show up in the " dispute center '' for at least 12 days and it could take 3 billing cycles to finish their investigation. I reminded him that the charge was made without my card present and I obviously had no idea who used it but they could very easily find out from XXXX whose name was on the ticket. He stated I was " liable for paying for the fraudulent charges '' until the investigation was complete. He refused to credit the account in the interim and when he transferred me to customer service, who he claimed would be able to do that, he told them I wanted a credit limit increase. The customer service rep told me she would have been able to credit the account if I had contacted prior to the end of the billing period. What?! I contacted the first 5 minutes after it showed up as a pending charge and I got the app message of a " card not present transaction. '' How much sooner would I need to contact?? 

I recognize investigations take time, however I should not be threatened with late fees and collections if I refuse to pay a charge that I have no liability for. I had a charge to my XXXX several years back and the charge was gone from my account before I hung up the phone. This is completely unacceptable.