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

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Sent card you never applied for

XXXX XXXX almost XXXX home depot
Complaint sub-issue: Information belongs to someone else

There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00}
Complaint sub-issue: Account information incorrect

Equifax is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : 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 ; and XXXX  XXXX. 
XXXX is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : 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 XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX XXXX : XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX
Complaint sub-issue: Received bad information about my loan

Most of my student loans have been serviced by Nelnet since starting college. Though I am grateful for anyone who helped me in my journey of achieving higher learning, the whole experience has not been pleasant. During my school term I faced both tragedy and hardship. I was forced to leave school and while doing that I was advised by the school 's financial advisor that after XXXX months my student loans would start to become due. Though I was battling homelessness, I still managed to call in and apply online for debt consolidation so that I can get in control of my finances. I chose to consolidate with Nelnet because they were already servicing most of my loans. I completed my consolidation application before the first payments were to become due on all of my loans. I subsequently called into the servicer and advised them that I was in the process of consolidating and was not working. The representative on the phone said that a consolidation application takes time to be approved but in the mean time she will make note of my lack of my income so that payment will not be due while the accounts are in the process of getting consolidating. I thought all was fine after doing my due diligence with Nelnet and keeping them in the know. Unfortunately, despite all my efforts of payment arrangements and promises from the Nelnet rep, I was notified through a free credit monitoring service that several accounts had become delinquent and my score plummeted very low. I am completely outraged by Nelnet 's inconsistencies and false reassurances. A total of XXXX ( XXXX ) account became immediately marked late by 90 days. Despite reporting in good standing the XXXX months prior too. It was completely unexpected and I have been disputing it since online to no avail. I then went further and wrote goodwill letters, as well as contacting the CEOs and all they do is forward me to the general customer solutions department to which they provided with inconsistent policies or ignore me entirely. As a result of their erroneous reporting I am not able to be approved for lines of credit and the defamation has prevented me from receiving unemployment. I hope this is the tool I need in order to receive the justice I deserve and get these 90 day late marks removed from all ( XXXX ) accounts that were already in the process of being consolidated with the same servicer.
Complaint sub-issue: Problem with product or service terms changing

Equifax has a security breech XXXX XXXX, XXXX, and failed to infor customers until XXXX XXXX, XXXX. They also was charging my my account after the security breech.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2021, I received dispute letters back from Equifax showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently XXXX accounts and XXXX collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my XXXX XXXX account after notifying them Equifax has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from XXXX, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

My understanding is that the XXXX  error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC  id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Problem with personal statement of dispute

their is no reason for this agency to put any information on my report that will damage my score. 
the balance states XXXX but my score decreased and this item was deleted in the past.
Complaint sub-issue: Information belongs to someone else

These account has been added to my credit report without my knowledge. I have disputed and provided a police report but the credit bureau keep reporting the account for XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.
Complaint sub-issue: Can't close your account

PNC Bank Re : Letter dated XX/XX/2018 to me Received XX/XX/2018 Informing of three consumer accounts all opened on XX/XX/XXXX With accounts ending in : # # # #, # # # #, and # # # # On calling the XXXX assistance numberin order to get assistanceI was required to provide my social security number over the phone or go to a PNC Bankwhich dont exist anywhere near me. I NEVER give my social security number out over the phone. Three accounts on the same day?! They should have been flagged and put on hold until they were verified. I want to know how they were opened. 

I was given the following address to write to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX. In the meantime what are these accounts being used for and for what other fraudulent purposes? 

Please CLOSE THESE ACCOUNTS and find out how they got opened in the first place.
Complaint sub-issue: Need information about your loan balance or loan terms

I received notification from the IRS on XX/XX/XXXX regarding tax year XXXX stating Citibank reported a cancellation of debt ( Form 1099-C ) on XX/XX/XXXX in the amount of {$4800.00}. 

I did not receive a Form 1099-C from Citibank notifying of debt cancellation. 

I contacted Citibank regarding this debt and was informed the debt was sold to XXXX XXXX. 

I contacted XXXX XXXX  and according to XXXX XXXX  and documentation received, this loan was paid in full, not cancelled as reported by Citibank.
Complaint sub-issue: Information belongs to someone else

Attention to the consumer reporting agencies. XXXX, XXXX  and Equifax. I am a victim of the Equifax data breach and my information has been compromised. I am a victim of Identity theft. I submitted a complaint before to you guys but didn't get any response. I have provided proof of my Identity which is a photo of my passport. I have provided the Identity theft report with the Federal Trade commission. I also have a notarized letter as well that I will upload. I have not received any benefit from these fraudulent accounts or money. All I have is a ruined credit score. I beg you to help me out. I am trying to move on with my house and live the american dream. I submitted the documents below.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased XXXX XXXX flights with my U.S. Bank credit card totaling {$2200.00}. Subsequent to purchasing these flights, XXXX XXXX cancelled the flights. I requested a refund with XXXX XXXX through the phone and through email communication. The airline refused to refund me for the flights that it cancelled and eventually became non-responsive. Then, I disputed the charge on my card with U.S. Bank. Initially, I was provided a provisional credit for the charge. However, this credit was reversed and I was informed on XX/XX/2020 that this was because we " received the services represented by the transaction. '' I then called U.S. Bank to try and resolve the issue and communicated to their personnel that U.S. Department of Transportation rules require airlines to provide a full refund for flights that airlines cancel themselves, irrespective of the reason for the cancellation. However, U.S. Bank personnel informed me that XXXX XXXX provided some sort of documentation to show why they were rejecting the dispute and not offering a refund. I reminded U.S. Bank personnel that airlines can not ignore Department of Transportation rules and that it was illegal for them to refuse to provide a refund under the circumstances. I was informed that there was nothing that could be done because certain " Visa rules '' required them to reject the dispute if the merchant ( i.e. XXXX  XXXX ) provides ANY documentation objecting to the dispute. I reminded U.S. Bank personnel of the Department of Transportation rules but was informed that there is nothing they could do. I was instead provided with the mailing address of the Office of the President if I wanted to submit a complaint. Given that I am legally afforded a full refund, and not a travel voucher or any other alternative, I am seeking help to resolve this matter as soon as possible.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : 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: Debt was result of identity theft

Again this is an very small vague response from discover as expected, I spoke to XXXX this morning she called me directly from customer care, SHE TOLD ME DISCOVER RECEIVED NEW DOCUMENTS FROM CREDIT AGENCIES, I TOLD XXXX THAT I HAVE SUBMITTED AN NEW FRAUD AFFIDAVIT ISSUED BY XXXX, GOT IT FILLED AND SIGNED BY THE OFFICER OF LAW AT XXXX PD, AND ALSO GOT THE PAPER NOTARIZED BY THE STATE OF CA. SHE TOLD ME THAT SHE WILL START AN NEW INVESTIGATION AND WILL HAVE TO TRANSFER MY CALL TO INVESTIGATIONS TEAM XXXX COMES ON THE PHONE FROM INVESTIGATIONS SAYING THAT HER COLLEAGUE TOLD HER THAT U SUBMITTED NEW PAPER WORK AND NOW THE INVESTIGATION CAN BE STARTED AGAIN I TOLD HIM THAT I MADE SURE THAT THE OFFICER AND ME TOGETHER FILL OUT THE FRAUD AFFADAVIT FORM AND ALSO GET IT NOTARIZED, THE OFFICER REALLY FELT BAD FOR ME TO SEE THE SITUATION I AM IN, I TOLD XXXX THAT MY NEXT STEP IS TO HIRE AN CONSUMER LAWER AND TAKE DISCOVER TO COURT, UPON HEARING THAT HE STATED WORDS LIKE " SURE, YOU ARE WELCOME TOO THAT WILL BE PERFECT!! '' WHEN I TOLD HIM THAT I WILL HAVE TO HIRE AN LAWYER TO DEFEND MY SELF. I TOLD HIM I AM RECORDING THIS AND I WILL PROVIDE THIS TO COURT OF HOW YOU ARE MAKING AN MOCKERY AND FUN OF AN FRAUD VICTIM!!! WOW THESE PEOPLE ARE CRAZY. AFTER HEARING THAT XXXX HUNG UP THE PHONE ON ME AND I COULD NOT EVEN TALK OR SPEAK TO HIM CORRECTLY. THE GUY HUNG UP THE PHONE ON AN FRAUD VICTIM I WOULD LIKE TO STATE THAT XXXX AND THE DEPARTMENT AT DISCOVER THAT HANDLES FRAUD INVESTIGATIONS ARE HEARTLESS PEOPLE! THEY HAVE ONE SIDED JUDGMENTAL PERSONALITY, I HAVE NOW PROVIDED DISCOVER WITH NOTARIZED FRAUD FORMS SIGNED AND DATED BY XXXX PD AND ME. 

NUMBER THAT CALLED ME WAS XXXX MONDAY XX/XX/04 AT XXXX XXXX
Complaint sub-issue: Problem with the interest rate

XXXX XXXX XXXX XXXX XXXX is an abusive and illegal company with untrained reps. They have charged me an interest rate of 17.99 % which is above the 16 % usury law of NY. They have applied 90 % of my payments to interest. after over {$7000.00} in payments, the principle is lowered less than {$1000.00}. When im late, they spam my phone with calls from several different numbers harassing me, family and friends. They even paid me {$1000.00} hush money when i threatened to sue because they threatened me, to have me arrested and steal my car if i didnt pay them before they hung up. Their staff is a bunch of liars who promise of you make a payment itll be applied one way, and apply it completely different.
Complaint sub-issue: Used obscene, profane, or other abusive language

this company calls me multiple times a week and every time I answer they ask for me and then hang up. I was contacted earlier today and again I was hung up on. I called back and the woman name " XXXX XXXX '' would not state the nature of the business or purpose of the call. I specifically asked if this is a collection agency and the woman kept stating the company name instead of confirming she is working for a collection agency. This is breaking multiple different laws. She was being evasive and using aggressive collection tactics. I will report this company to the attorney general and FTCC for violating FDCPA. I also called again to get a mailing address to send over a Verbal Cease and Desist. These phone calls are harassing and abusive. I will be seeking legal assistance to ensure this does not happen again.
Complaint sub-issue: Reporting company used your report improperly

My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX* Balance Owed : {$0.00} 7. XXXX XXXX* Balance Owed : {$0.00} 8. XXXX XXXX  XXXX Balance Owed : {$0.00} 9. XXXX XXXX* Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXX XXXX XXXXXXXX XXXX* Balance Owed : {$6500.00} 12. XXXX XXXX* Balance Owed : {$0.00} XXXX : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX  XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} Equifax 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX  XXXX Balance Owed : {$0.00} 8. XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXX* Balance Owed : {$0.00} 10. XXXX XXXX  XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is now on my report. As of XX/XX/22.
Complaint sub-issue: Their investigation did not fix an error on your report

Please do not close this complaint. This dispute is unrelated to complaint XXXX. XXXX and Equifax were not listed in the previous complaint. 

I am filing this complaint against XXXX and Equifax for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that XXXX and Equifax have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.