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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedNov XXXX Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusClosed. 
Status UpdatedMay XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeSales Contract ResponsibilityJoint with XXXX  XXXX Date XXXX StatusAccount charged off. {$220.00} written off. 
Status UpdatedAug XXXX Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX XXXXremove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXXremove above incorrect names, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX LOST XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY ***remove above incorrect addresses, not mine, FCRA violation
Complaint sub-issue: Information is incorrect

THIS ACCOUNT IS REPORTING DECEPTIVE, AND INACCURATE INFORMATION ON MY CONSUMER REPORT ALLEGING LATE PAYMENTS, AND DEROGATORY COMMENTS THAT CONTAINS INFORMATION REFLECTING TRANSACTIONS THAT ARE REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS AGENCY DECEPTIVELY ALLEGED VERIFIED INFORMATION THAT WAS DISPUTED ON THE ALLEGED CONSUMERS CREDIT RECORD THRU AN ALLEGED INVESTIGATIVE CONSUMER REPORT THAT WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE ALLEGED CONSUMER. THIS IS A VIOALTION OF THE FAIR CREDIT REPORTING ACT PER 15 USC 1681a ( e ) AND CAN NOT BE VERIFIED FROM A CREDITOR OF A CONSUMER. THE ALLEGED VERIFICATION IS FALSE.
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 2021
Complaint sub-issue: Funds not handled or disbursed as instructed

i opened a checking account with Citibank to take advantage of a promotion that said if you open an account with {$15000.00} and leave it there for 60 days, you would get {$400.00}. i completed the requirement and was told repeatedly that i qualified for the bonus ( i am enclosing one of those confirmations in the files i am enclosing ) .now im being told since the savings acct was indication closed that i dont qualify. 
i was told numerous times that i did qualify. i feel the bank is acting in extremely bad faith. i am sending the transcript and a screenshot of my account. This is grossly misleading on the part of Citibank.
Complaint sub-issue: Reinserted previously deleted info

I have filed a dispute before regarding this issue with XXXX previously in XX/XX/XXXX for XXXX and they have sold my info again to another debt collection agency by the name of Enhanced Recovery XXXX ( ERC ). I filed a dispute XX/XX/XXXX and the item was deleted and removed from my credit report on XX/XX/XXXX for XXXX. I received a alert from my credit bureau regarding this issue XX/XX/XXXX for the same issue and I do n't have any knowledge of this account. ( XXXX & XXXX Credit Reports )
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I took out a credit builder loan account with MoneyLion. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with MoneyLion. MoneyLion had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

MoneyLion should had left the old account shown as closed and paid in full. MoneyLion should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was a victim of ID Theft in XX/XX/2017 and filed a police report. There were over a dozen utility accounts created in my name in XXXX, Texas and surrounding cities. I've never resided in Texas. 

Pro Collection placed a collection derogatory item on my credit report, causing my score to drop from XXXX to XXXX. I've sent them the police report and filed a dispute against their charge over a week ago, on XX/XX/XXXX. I called today to inquire and they said my account is locked and they are unable to give me a status update, and then gave me the run around. 

I'm in the process of buying a home and this issue is impeding our ability to purchase a home. If Pro Collect doesn't clear this up immediately with the credit bureaus, we will lose our chance at buying this home. 

Please help us. 

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

I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have had my card open 4-5 years plus and have yet to have a credit increase, even after paying on card on time every month.
Complaint sub-issue: Application denied

I was pre-approved for upgrade inc Visa card and I applied and then I received a error declined message with bunch of weird numbers on the top of my screen its like Im not a allowed to have a credit card at all.. since upgrade has closed my checking account last year for a check deposit that wasnt mines and my account was a takeover by a thief .. and they havent fully closed that checking account .. and I was looking to get a credit card with upgrade since I have a open loan with them over a year ..I applied for credit card on XXXX I was denied again and again it
Complaint sub-issue: Information belongs to someone else

These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On my credit report it is showing a credit inquiry from XXXX that I never authorized
Complaint sub-issue: Trouble with how payments are being handled

I have 8 loans with Sallie Mae. I refinanced 4 loans so that the balance should be XXXX. Instead of taking refinance and allocating it to the 4 specified loans, Sallie Mae took the money and allocated it across all the loans I have with them such that there is still a balance on the loans that should have been at XXXX. I am having trouble having them reallocate the money so that the 4 specified loans are at a XXXX  balance.
Complaint sub-issue: Account status incorrect

The Comments in the REMARKS Section Placed by Lending Club on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING LENDING CLUB OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XXXX XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION.

4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2023, I lost my credit card issued by Citi. On the same day, my credit card was fraudulently used ( physically, not online ) at a nearby city by an unknown individual. The following charges totaling {$470.00} were posted to my credit card account : 4 separate charges of {$97.00}, {$96.00}, {$96.00}, and {$96.00} at XXXX located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Additionally, there were 2 separate charges of {$50.00} and {$39.00} at Shells located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. All of these charges occurred before I had realized that I had lost my credit card the same day. When this unknown individual attempted to make additional charges, I was informed of potential fraudulent activities by Citi via text. I responded immediately and filed fraud disputes for these charges. The credit card was also cancelled immediately. 

A few weeks later, Citi notified that they have completed their " investigation '' and have decided NOT to credit for these fraudulent charges. I then followed up with Citi, and have received no help with this matter to date. Due to these fraudulent disputes being denied by Citi, I now have an additional {$470.00} due on my credit card, which I am not responsible for. 

I have also filed a police report, which I have attached.
Complaint sub-issue: Information belongs to someone else

Hello I have tried over and over to submit the FTC report for the following accounts XXXX XXXX XXXX and XXXX XXXX XXXX and the following hard inquires. Please remove asap per the attached reports.
Complaint sub-issue: Information belongs to someone else

I tried to respond to the complaint  XXXX  and was unable to so I had to file a new report. I am tired of Citibank bullying me. I am going on  XXXX  and have had to go to the doctor 's several times with  XXXX   XXXX   XXXX  and   XXXX   XXXX   because I am so   XXXX    over the reporting between  Citibank a nd   XXXX   XXXX   for identitiy fraud on my account. I spoke to someone who was understanding about this a couple years ago and then I get this new person who refuses to remove the false reporting on my profile. I have filed a police report, went to identity FTC and I have also went through your company CRFPB to try to stop this false reporting. I read the letter where  XXXX   XXXX  of the  Fraud d epartment accuses me of using the money to benefit me and put it into my bank account. I have asked this guy to provide me with the bank account because I have only had  XXXX  bank accounts in the last 20 years and a savings account and ira. I have NEVER had a   XXXX   XXXX   account in over 20 years so this is not my dealings. You said I said something about my son in law, I never said my son in law had anything to do with this because he was a victim of identity theft as well. I am tired of this mess and I did n't want to spend the  XXXX  on an attorney that I couldhave paid for this account but because I did not do this and it is a matter of principal,  I will retain an attorney I am also contacting the main CITIBANK and reporting this man who is accusing me of lying and benefiting and stealing from Citibank. I am done with this now. I thought that CFPB would  not close the case and was on the side of the consumer, well, trust me, I will prove that I am not the one who authorized this account at all. This account was made when I was in  XXXX   XXXX  and I am not responsible for it. There were many people that should have not been in my household and around my neighbor 's house in  XXXX . Yes, I lived in  XXXX  before this but I did not start Citibank account or  XXXX  or a  XXXX  account. I am demanding by right, the proof that you have on the bank account that I " benefited '' from immediately. If it is found that anyone in my family was responsible, they should be held liable or responsible NOT  Myself.
Complaint sub-issue: Can't decrease my monthly payments

For the past year I have been aruging with this company. I make XXXX a year right now and they are asking for {$340.00} dollar or so payments per month. I have explained to them that I need an extremely lower payment plan and they will not do this. I checked my credit score the other night and I have a XXXX credit score, before I was in the XXXX. This makes me sick to where I want to XXXX. Its not fair at XXXX, I am actively looking for a better employment and currently in school as well. This loan originated from predatory loan tactics from XXXX and now I 'm in a huge nightmare paying it. I need time, possibly XXXX dollar a month payment if it ca n't be put into forbearance. By the time this is over with I wo n't be able to find a decent job because this company will have my credit score destroyed. I do n't know what to do, I cant sleep. I cant even file for anything legal because I cant afford the fees, am also being garnished by XXXX other credit card companies. I need some type of miracle with this situation, everytime I call this company I get nowhere..just horrible customer service and rudeness.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

They claimed i have to wait the 2 years even tough i didnt authorize the credit pull
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Complaint sub-issue: Other problem getting your report or credit score

I complain about Equifax charging me 3 times. I had to cancel my card because they said didn't but the credit company said otherwise. Now they have dropped my score almost 100 points different from the other 2 credit bureaus. I have very good credit. I have tried to sign on/create a new account and it will not let me. Was denied an XXXX XXXX card with XXXX. I already have a XXXX account in great standing. Equifax told them I had defaulted on a previous XXXX  card which is wrong. If you try to call them, they put you on hold, let you sit there for the agents don't know what to do. You have no defence with this company.
Complaint sub-issue: Their investigation did not fix an error on your report

The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to  XXXX  '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2020 I submitted a request to change my payment due date from XX/XX/2020 to XX/XX/2020. I received an automated message that my claim would be process within 10 business days. I received correspondence that my new due date would be the XXXX of each month. However, in the Fedloan Servicing System, I noticed that I still was receiving a message that my monthly payment was still due on XX/XX/XXXX. I called on or around, XX/XX/XXXX to confirm that my new due date was the XXXX. The representative I spoke to assured me that my new due date was the XXXX and advised me to ignore the late message. After I received a two days past due message, I called Fedloan Servicing on XX/XX/XXXX to confirm, and was told by a different representative that the information that I was given by the former employee was incorrect. As such, I was forced to make the payment to avoid have negative information reported on my credit, despite requesting a timely due date change and despite being given incorrect information by the first representative.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Creditor : XXXX XXXXXXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX EQUIFAX : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.
Complaint sub-issue: Information is not mine

I went to a civilian hospital ( XXXX XXXX XXXX Hospital ) in XXXX, OK and had to go to the hospital. XXXX at XXXX XXXX Hospital ( XXXX XXXX, OK ) ) took care of my bill but the XXXX XXXX XXXX Hospital attempting charge me fraudulent charges. Their false claim has negatively affected my credit score and I respectfully request that this incorrect information be promptly removed from my credit score. Thank you.
Complaint sub-issue: Information belongs to someone else

I noticed multiple accounts on my report that I do not recognize