Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

information is being furnished on my consumer reports without me knowing and needs to be removed.
Complaint sub-issue: Problem with rewards from credit card

For no apparent reason XXXX  XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$390.00} on the XX/XX/18 statement and had made qualifying purchases of {$640.00} on this card which had not been credited to my cash rewards. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this card.
Complaint sub-issue: Information belongs to someone else

Date : XXXX Amount : {$4900.00} Preferred Lease made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from Preferred Lease. All because Preferred Lease made a fraudulent account under my name!!
Complaint sub-issue: Information belongs to someone else

there is fraudulent accounts opened in my name and reported on my credit report
Complaint sub-issue: Information belongs to someone else

I've checked my credit file an I seen a lot of invalid information on my file. I am disputing all incorrect information on my credit report with Equifax.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!
Complaint sub-issue: Their investigation did not fix an error on your report

There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in XX/XX/2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and Equifax, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.
Complaint sub-issue: Information is not mine

Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2018 at XXXX, I spoke to a Sallie Mae employee ( who, at some point, decided to brag about how his cosigner was " dead '' and that his loans were " taken care of '' ) to inquire about my loans. This employee went on to lie to me and tell me that I could fill out a " volunteer deferment form '' ( which, in name, does not exist ) or an " in-school deferment form '' ( which does not exist for medical leave students ) in order to have my loan payments deferred before I go back to school this fall. 

I received call ( s ) every single day which did not help my XXXX at all given that I would often be on hold for over 40 minutes. At some point I even uploaded my medical leave confirmation papers and two agents told me both document files ( all 17 + 1 = 18 pages ) were never received which was also probably a lie. 

Since that phone call I have had at least 4 other Sallie Mae employees ( including my supposed " case manager '' in Delaware ) be dishonest with me about what Sallie Mae could possibly offer me regarding temporary assistance in deferment.  Additionally, they would often remark about how soon they could take legal action against me and ruin my credit score even further for up to 7 years. All the while, my credit score /has/ plummeted 250+ points with no recourse because of Sallie Mae. 

I have probably spent over 7 hours on the phone with agents from Sallie Mae in  order to resolve this issue and out of it I have received nothing but abysmal credit reports and snark for trying to advocate for it.
Complaint sub-issue: Public record

I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act this company, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 U.S.C 1692 C ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 D ( 2 ) : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The words Debt Collector, are profane to me.
Complaint sub-issue: Information belongs to someone else

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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 information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Complaint sub-issue: Transaction was not authorized

Re  : Fraudulent charge on Debit card and no support from bank On  X/XX/2017    my Debit card with BB  & T  was used fraudulently three times. This fraudulent activity caused my checking accounts available balance to drop significantly causing severe hardship. I contacte d BB  & T to report the fraud. They blocked and reissued my card and told me that was all they could do. When I told them of my hardship I was met with a regurgitated talking point that did not provide the smallest of assistance. On Saturday   XX/XX/XXXX  I wen t into a physical branch o f BB & T  and spoke with the Manager on duty. While she was very courteous, she could not provide any assistance, nor could she reach the Banks fraud department because they were, according to her, closed. I was told I would have to wait until Monday to speak with Fraud.   On Monday  X/X/2017    I calle d BB & T fr aud and was informed yet again there was nothing anyone could do to assist me. The fraudulent pending charges that were holding my available balance hostage would have to stay that way until it posted to my account is what I was informed. I asked repeatedly for a temporary credit to offset the fraudulent charges so I could buy my family the basics to survive the next several days and was informed that was not a possibility. I would have to suffer it would seem.   I am filing this complaint because  BB & T s hould have a policy in place that will assist people in my situation. It was not my fault there were fraudulent transactions made on my account. I safeguard my information as best as possible. When I asked the bank for help they would not do anything other than to try and sell me a line of credit to have as overdraft protection. Because they would not extend a temporary credit to my account that would have offset the fraudulent charges until they were reversed, I endured extreme hardship financially and emotionally.
Complaint sub-issue: Information is not mine

there are credit card in my name I have no idea about
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any INQUIRIES which was 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 information relating to any transaction by the consumer. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

This is a collection debt for XXXX XXXX XXXX XXXX from an account that was opened using my information. The account was opened in Louisiana and the amount is for {$600.00}. I have never lived or even been to to Louisiana and I don't have any friends or relatives that have lived in the state. This is probably the third or fourth time I'm reporting this as fraud. Its the same debt but, the collection agencies just change. I've already reported it several times as fraud.
Complaint sub-issue: Reporting company used your report improperly

On Monday XX/XX/XXXX I requested a credit limit increase with Home Depot Citi credit card. It was approved no problem however a credit inquiry was put on my XXXX  report without my consent. I did this online and know where did it warn me about a hard inquiry on my report was going to appear. I discovered this inquiry Wednesday XX/XX/XXXX and immediately called Home Depot who was unhelpful. The gentleman on the phone said he honestly didn't know if it said on the website anything about a hard inquiry or not and directed me to contact XXXX  to dispute directly with them. I have filed a dispute but am very upset right now about this hard inquiry. Number one I've submitted credit increases to my other credit cards and I have never had a hard inquiry. Number to if you're going to do a hard inquiry typically it is at least somewhere where you can see in XXXX to warn you about a hard inquiry. If Home Depot was going to do a hard inquiry I would have not submitted for the credit increase plain and simple. Due to the fact this was not posted anywhere when I went to inquire for a credit increase now my credit report has suffered a decrease. I take my credit very seriously and want something done about this.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 transunion 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 XXXXThis 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Account information incorrect

I called XXXX a few days ago because there was an account that was not mind ( KIKOFF LENDING LLC ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail
Complaint sub-issue: Other problem

I have changed my address with discover on the XXXX of XXXX. And received multiple confirmation emails even a week later saying my new card has been shipped to my address.. However i was not paying much attention to the card, i found after a month saying that they have been trying to deliver my card to an address which i never gave them not changed my self on the account. When contacted the customer care. They simply do not have any clue on how that new address even came up on the account. So scared my details have been compromised. I have never changed my address.. not sure how they would change on their own.. unless some fraud or scam was done on the back end
Complaint sub-issue: Information belongs to someone else

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The complaint is not necessarily against Discover, but rather against the XXXX and XXXX and the way that credit card disputes are handled by these two merchants and my credit card. 

I returned a multitude of barbies to XXXX after having purchased many of them approximate in early to XXXX. I changed my mind about re selling Barbies on an individual level when my order of two ( 2 ) 2020 Day of the Dead Barbies, which retailed at close to {$1500.00} and I purchased for {$31.00} was cancelled. When this happened, I realized the potential for a great return had just been squashed and I returned Barbies to both XXXX and XXXX. 

Well, to date, and just recently, after many months, some of those unrefunded barbies which were returned months ago have been credited. But now XXXX has blocked my account, contending that Discover reported " unauthorized charges, '' and Discover, as well as XXXX where other merchandise was purchased, but also unrefunded, are referring some disputes to their FRAUD department. FRAUD!? Why? Unreturned and unrefunded charges merit a FRAUD referral? 

Due to this so called, " unauthorized transactions or charges '' XXXX has blocked or frozen my account and I can not access it to 1 ) review their contentions that both Discover and XXXX credited my account for some returned items, and 2 ) I need to confirm how many more items continue being unrefunded and unaccounted for. 

I want Discover to CREDIT all of my charges for items which were ALREADY RETURNED TO XXXX and which have NOT BEEN CREDITED, and I want XXXX to UNBLOCK MY ACCOUNT. As XXXX contends that Discover advised them of " unauthorized transactions, '' which is untrue and disingenuous, SOMEONE HAS TO TELL XXXX TO UNBLOCK MY ACCOUNT! And according to XXXX they blocked it because of what Discover reported! 

Unblock my XXXX account, CREDIT all of my returned merchandise and update my new telephone number to XXXX XXXX XXXX. 

thank you.
Complaint sub-issue: Was not notified of investigation status or results

I am distressed that they have included the inaccurate information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish.
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  has violated my rights.

15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status

I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.