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

I have presented XXXX with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of XXXX and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines
Complaint sub-issue: Funds not handled or disbursed as instructed

Good morning, I am one of PNC Bank 's Customers. I had a problem with PNC Bank ATM at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on 0XX/XX/XXXX. I tried to withdraw monies {$500.00} from the ATM, however the monies did n't dispense and my account was debited. On the screen of ATM said that my monies got retained. I called customer service, his name is XXXX, he told me that he filed the dispute and refund or credit my monies {$500.00} back at that time or the latest was the day after the incident. 
The next day, XXXX/XXXX/XXXX, I still did n't see the monies, I chatted with online customer service, her name is XXXX. She said that XXXX did n't file the dispute and she needed to file my dispute in order for me to get my monies back. XXXX did n't file the dispute either and somebody ( XXXX XXXX, customer service manager called and I told her everything. She filed the dispute on behalf of me. I did n't understand how bad the services from PNC Bank. My frustration has increased as I went to the branch directly where the ATM had a problem. I talked to branch manager XXXX XXXX XXXX, she told me that there 's nothing she can do to solve the problem as I have to wait for 10-45 business days to get my monies back otherwise I have to wait 45 business days per XXXX to get my monies back. I told her that I am a customer with other banks as well, when I had this issue, the other banks refunded my monies back right away ( at that same day ). I contacted the online customer service today XX/XX/XXXX for some information of PNC Bank 's President Director. XXXX, customer service online did n't want to give it to me instead telling me to wait for 10-45 business days. 
It 's really ridiculous. I do n't think this is a good service from the bank and the bank has violated my right. 
Please escalate this problem as soon as possible and have the bank refund the monies and all compensation that I have been through. 

Thanks
Complaint sub-issue: Account status

I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all three credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus XXXX, Equifax , and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with.
Complaint sub-issue: Account status incorrect

My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Information belongs to someone else

Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX CARD account number XXXX and the XXXX CARD account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I can not give you any information about this company because this company never sent me a bill statement, documents, any Letterhead company letters, in any fashion unto me ever since the debt from XXXX XXXX, that was sold to Jefferson Capital Systems LLC posted this debt on my Credit file. The amount of the debt was {$5600.00} and the balance {$5000.00}, I never paid any difference to this debt that leaves this balance on me to pay. This debt is from a school that I did attend from XX/XX/XXXX and graduate XXXX and then try to go back after graduation to get my bachelor 's degree, but my disability caused me to not be able to continue study and I stopped online school in XXXX. I did try to dispute this debt online with XXXX and XXXX, but I did not get the dispute that I needed. Please help.
Complaint sub-issue: Attempted to collect wrong amount

Amerifinancial has two collection accounts one for XXXX and one for XXXX. At the time of service I had insurance and contacted them. When my insurance company XXXX  reached out they told them they only saw the XXXX when I disputed with the CB they come back accurate. The XXXX has been removed from my XXXX  but not my XXXX  .. it appears to not be reporting correctly at all. I'd like this information to match across all reports. Per HIPAA and them not being about to provide information anything from them should be removed
Complaint sub-issue: Reporting company used your report improperly

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to submit disputes for some inquires on my credit report for the past few months and Equifax does nothing to investigate the inquires in question. I have been unable to get help from the company who made the inquires and now Equifax wont do their part by investigating the inquires. I have attached a copy of the inquires in question.
Complaint sub-issue: Didn't receive services that were advertised

The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.
Complaint sub-issue: Having problems with customer service

For the past year, I have been attempting to have Citibank update the status of XXXX loans they previously held. These loans were disbursed to me in XXXX, when i was a student XXXX XXXX XXXX XXXX in XXXX, NC. These loans defaulted in XXXX, after I graduated XXXX and had a very hard time finding a job. At the time, I was barely making enough to pay my rent, utilities, and buy food. These loans transferred to XXXX other lenders. 
During XXXX and XXXX, I completed rehabilitation programs for all of my defaulted student loans. I also paid off XXXX of the loans that was previously owned by Citibank. I did so with the guidance of an advisor at a local credit counseling nonprofit. She suggested I reach out to Citibank after completing all rehabilitations, to request that the status of these loans be updated to paid on my credit report. Both lenders ( XXXX Funds and XXXX XXXX XXXX XXXX XXXX updated the status of loans on my credit report. However, after many requests and promises to update my loan status, Citibank has not done so. 
I started by calling last fall and speaking to a representative. They assured me that If I obtained letters from XXXX Funds and the XXXX XXXX XXXX XXXX, Citibank would update my credit report status to paid and rehabilitated. I mailed these documents in XXXX XXXX, and received a reply from Citibank in XXXX XXXX indicating that they received my request and would update my account with all XXXX credit agencies. Nothing happened. 
I called and then sent another request by mail in XXXX XXXX. I got another reply that the status of my old loans would be updated, but still nothing happened. Since then, I have talked to several Citibank representatives who gave me false hope. These loans both have a delinquent status on my credit report. 
I have consolidated all of my remaining student loans under the servicer XXXX. These Citibank loans are the only negative mark on my credit report. They are listed as last late 5.1 years ago. I 've tried so hard to repair the damage I did to my credit and financial future by letting my student loans default. My fiance and I are hoping to buy our first home this year, but we are waiting for my credit to improve. I would be so grateful if Citibank would remove the negative status of these accounts. We do n't want to wait two more years for these loans to disappear from my credit report before we can move forward with our financial goals. I would greatly appreciate any help with this matter. I 'm attaching all of the mailed correspondences between Citibank and myself. 

Thank you!
Complaint sub-issue: Company closed your account

On XX/XX/XXXX Discover Credit card company called my 2 accounts, my one account ending in XXXX which I had for over 4 years was closed, and my newest account ending in XXXX was closed also, Discover claimed it pulled a credit report from XX/XX/XXXX from XXXX XXXX and on this report they claim I had 3 collections and that they choose to close my good standing account which I was never late and paid in full monthly for over 4 years! When I contacted Discover to inform them, that this is a mistake on my credit report, they refuse to look into the matter and reconsider, what really had my upset, is one my account ending in XXXX I paid this account in full, and was never late, and they closed my account without warning, damaging my credit report in the process. In account ending in XXXX this was a secured card, that I actually graduated from with their step program and was awarded to unsecured, and then they turn around and closed my account anyways without regard to the consumer! The credit report they pulled from XXXX XXXX doesn’t show collections on my report! And the information was either a mistake or outdated! No one from discover called prior to it being a issue and no warning was in place for me to respond to them about their concerns. My credit is great now! And it’s in jeopardy because Discover closed my oldest accounts without warning!
Complaint sub-issue: Information belongs to someone else

I have continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Complaint sub-issue: Information belongs to someone else

An account was opened in my Name with XXXX. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as XXXX XXXX/XXXX  along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where swastickas were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, NYSID, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and NYSID was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
Complaint sub-issue: Reporting company used your report improperly

Would like to lodge a formal complaint against Equifax for improper handling of their online security features, which then led to the breach of their systems and my information being compromised by hackers. 

See ( one of hundreds ) of news articles about the security breech. 
http : XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

item was an idenity theft and inacacurate
Complaint sub-issue: Account status incorrect

Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXX that person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed multiple inquiries on my report that I dont recognize