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

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

Equifax 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time Equifax has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining XXXX accounts refuse to remove the fraudulent accounts. XXXX state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXX funding and XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Complaint sub-issue: Problem making or receiving payments

PNC Bank is the problem XX/XX/19 {$15000.00} was the amount of the check. 
charged {$40.00} returned check fee and an extra {$150.00} from the XXXX XXXX County Tax Collector I wrote a check to pay my taxes and PNC Dishonored the check. They claim it was an irregular signature. My signature hasn't changed in more than 50 years. They sent me no proof of what was different. I am XXXX years old and I am not leaving the house because of Covid-19. I tried to call PNC to complain about the nearly {$200.00} if cost me because they couldn't take the time to verify I wrote the check. I wanted them to speak with my daughter. They asked way more than normal security questions. I think they had one of my old addresses ( more than 15 years ago ) wrong and they wouldn't believe my answers! After nearly a half an hour they said I wasn't me and they wouldn't speak to my daughter about the account or issue. They told me I had to present in person at the bank. As I said before I am not going out in public. If there is a questionable charge on a charge card the banks do not hesitate to call, text, or email but PNC did nothing but mess up my tax payment. My check should never have been refused and I wasn't given the courtesy of a phone call. I have never had something not accepted because of my signature! It was to pay taxes! Who fraudulently pays taxes! It was absurd and the questions they harassed me with were unreasonable and I told them it was hard to hear them! PNC also doesn't have an email address to send a message to either. 

Thank you for your help! 

XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

Equifax has reinserted fraudulent items that were previously taken off of my credit file.
Complaint sub-issue: Account status

There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

This is about Discover Card taking too high of a monthly deduction from my checking account. I contacted them and asked for a reduction based on my monthly income from social security after being declared XXXX XXXX due to XXXX XXXX, but all they did was lower my interest for 6 months only. I need a permanent reduction in the amount they withdraw every month in order to survive.
Complaint sub-issue: Fees charged for closing account

I sent a chat message to Citi on XX/XX/2020 asking them to close my account. the customer service rep confirmed they had closed my account ( it was at {$0.00} balance ). Now its 3 months later and I get an email saying my account is negative {$96.00} from overdraft and monthly bank fees.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX 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 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 secti
on 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which annotates the report by more than XXXX XXXX 15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXX. Box XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. 
XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times.
Complaint sub-issue: Bounced checks or returned payments

Hi, OnXX/XX/XXXX at around XXXX EDT, I received a call from Citibank asking me to verify a recent debit card transaction. I denied the transaction, but moments later wire transfers were being sent from my account. I called the bank immediately to notify them that these were fraudulent activities and to stop whomever was draining my account. They were courteous, respectful and professional at all times and once they verified me they were helpful in trying to understand and deal with the problem. It has been nearly 24 hours and i have not received any notification from the bank as to the details as to what happened and whether or not I will regain my access to my account, disposition of funds, and details as to what happened. Thank you. 

regards, XXXX
Complaint sub-issue: Information belongs to someone else

This company is reporting to my personal credit report when the loan was sold to me as a company vehicle loan being reported to the companys report not showing up on my XXXX credit report.
Complaint sub-issue: Company closed your account

My credit card accounts with same bank were closed for no reason. Their reason being I have too many new accounts. I have never been late to pay my bills and I have over 800 credit XXXX score. I did not have any balance on them. I feel like Im being discriminated against either for my race or for where I live. And lots of people of my same race have the same issue. I have checked with my friends that arent the same race as me and dont have a long and confusing last name like mine none of them are having the same issue. I know % 100 that I am being discriminated against by citi bank. I am XXXX  national.
Complaint sub-issue: Information belongs to someone else

I would like to file a formal complaint against the following company with in-corrected information or my credit report.  XXXX ,  XXXX   XXXX ,   XXXX   XXXX  ,  XXXX . I have been a victim of IDENTITY THEFT. I have notified the  Social Security Administration , State of Indiana and   XXXX   XXXX   XXXX   XXXX   XXXX   , Ohio State Attorney Office,  and the Federal Trade Commission. My brief case was stolen in  XXXX   XXXX ,   XXXX   inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the  XXXX  Police Department. I have file a dispute with all the company name above. These account are not mine,  XXXX  and  XXXX
Complaint sub-issue: Reporting company used your report improperly

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American XXXX on The Rights of Indigenous Peoples!
Complaint sub-issue: Attempted to collect wrong amount

I have reach out to all three credit bureau, also to Macys as well to dispute inaccuracies on my XXXX card with Macys. The account is closed, upon checking I see that this company has pulled my credit report on several occasions without my permission. The inccuracies of information has destoryed my credit tremendously. I'm requesting that this closed account be remove from my credit report immediately.
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I sent a payment for {$95.00} on my cashapp to the wrong person then right after sent it to the right person. I then requested a refund from the wrong person I sent it to and have not yet gotten my refund. Ive been chatting with Cashapp support regarding this issue and they are asking me for information that I have given them about the person that I was suppose to send it to. I asked the person for the information I needed and have given it to cashapp support and theyre still saying that they cant verify the information Ive given to them and keep requesting the same information I gave them. They are refusing to move on with my refund request and requesting the same information I gave them. I just need cashapp to refund my {$95.00} for the misdirected payment at this point it is really starting to frustrate me. Just give better customer service and simply give me my refund. I am attaching documents showing the payment sent to the wrong person and the refund requested and also the payment sent to the correct person. Also the screenshots of my conversation with cashapp customer service is attached.
Complaint sub-issue: Personal information

My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

Thanks, XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I needed my bathroom fixed up so i asked for an estimate from XXXX XXXX XXXX XXXX XXXX and they came to my home gave me an estimate and i agreed to it. The person i dealt with was XXXX XXXX he told me they needed adeposit to hold the great discounted deal they were giving me. I gave him a deposit to hold my deal with the agknowlagement that i did not want the loan to go through until my mortgage refinance that i was trying to get at the time, went through. XXXX agreed he would not put the loan through until I got my mortgage Refinance. that was on XX/XX/2020. I kept having to delay the bathroom install because my refi was taking a long time. Fianlly I cancelled the check i gave XXXX because the refi process was takeing too long and i didnt know when I could get my bathroom done. When i called to cancel the job because of these circumstances they sent another gentleman, XXXX XXXX to my home on XX/XX/2020 because they insisted that they would wait as long as it took to keep my buisness. When XXXX XXXX came here i again gave him a deposit to keep my discounted bathroom deal and again insisted that the loan can not be put through intil my mortgage refinance was completed and XXXX XXXX agreed. The paperwork I signed was to hold my discounted deal and to see if I qaulified for the loan for the bathroom while i waited for my mortgage refi to go through. I was lead to believe this by XXXX XXXX. I now have a XXXX $ line of credit taken out by XXXX XXXX XXXXXX/XX/XXXX in my name for the cost of the bathroom. I did not even get my mortgage Refinance yet and now I have a XXXX $ loan on my credit report ; which has caused my credit to plumett and its making it even more difficult to get my home refinanced. I am currently in a adjustable rate mortgage and its going up.This underhanded manuver could cause me to lose my home. Please can anyone help me?
Complaint sub-issue: Their investigation did not fix an error on your report

I need XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to stop adding these frivolous debts onto my reports. I dispute them and prove they are not mine, then it will be removed by the credit bur 's, then they pop back on my report the next month or two later. Stop! Also they break HIPPA laws by placing medical records on my report too! They are n't even my records and these debt company 's ca n't prove it, so they wait until next month then report again, after the bureaus remove them. Stop reporting inaccurate information it 's illegal! XXXX aka XXXX XXXX XXXX ( 4 debts aprx XXXX $ ), XXXX aka XXXX XXXX ( 1 debt XXXX $ ), XXXX XXXX XXXX ( 1 debt XXXX $ ) and XXXX XXXX XXXX ( 2 debts XXXX $ ) are reporting inaccuracies on my report. Total of 7 collections- I have had them removed several times, and then the next month they will pop back up to show on my report as a debt owed dropping my score down over 100 points. XXXX and XXXX have removed these from my reports in the past and are ALOT easier to deal with than EQ, Equifax had removed only XXXX 4 debts from my report after several requests for disputes but they never sent any paperwork showing it and now it keep coming back on Equifax and XXXX and XXXX report. It 's like a never ending cycle- I 'll call the 3B and tell them these debts are not valid- the 3B may not remove them, or they will remove them and the next month these debtees will place them back on my 3 reports and it will take a month to have it removed again or it remains on my report. It is medical bills that I do n't owe and they have the name of the Dr 's and  clinics- is n't that illegal and violating Hippa ? I keep disputing, I 'll have a dispute opened and then another collection agency will add something totally new, and I 'll have to dispute it again. EQ never gives me results of my disputes and takes the LONGEST. Stuff just disappears from there reports with no paperwork proving it was deleted officially. It 's a juggling act at this point. XXXX has been so much better at keeping these inaccuracies off my report. I am waiting on 3 more XXXX debts to be re-deleted form XXXX, the first one that popped up on XXXX they had it off the very same day it popped up when I called, the next day XXXX placed 3 more deleted debts back on XXXX report. We will see what happens. Equifax does n't do anything like the other two do. They are slow to respond, and never send proof they deleted, disputes go unheard unanswered and forgotten. That 's why I have no paperwork from results of disputes to submit on this complaint from EQ because they never give me any! I called EQ today and was hung up on after being placed on hold for half hour- While trying to dispute XXXX , XXXX and XXXX XXXX XXXX. Meanwhile at least the other two XXXX and XXXX are trying to help me I feel like EQ just does n't care. All these debts I am talking about has been deleted at one point, and re-added. Please somebody help make these many inaccuracies go away for GOOD, ONCE AND FOR ALL OFF ALL 3 REPORTS SIMULTANEOUSLY. It 's a juggling act and I 'm not going to stop until it is corrected!
Complaint sub-issue: Information belongs to someone else

I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.