Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

three credit bureau reporting inaccurate information and violating my rights under United States Code 15 USC 1681 ( a ).
Complaint sub-issue: Information belongs to someone else

This is my 5th 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 an alleged fraud or extortion. 




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 XXXXXX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.
Complaint sub-issue: Can't decrease my monthly payments

To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

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

Someone have been applying for credit in my name at the following places - XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX  -- -- - XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. 
All Medical visits was paid by ex employer XXXX. 
XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. 
XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. 
I had a Medical number with XXXX California # XXXX. 
I am on XXXX XXXX Lifetime and Retired. 
I am on Prescribed Medications for my XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan 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, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been contacting this company for over a year to confirm the debt. The company has refused to provide any type of debt validation. They have also lied in reference to what the debt was for, as they stated it was for an eviction but Ive never been evicted. I have also disputed this with the credit bureaus with no success or validation being provided. After placing a cease and desist on my account I still received calls from this company. They refuse to escalate my request and are very abrasive. The debt is for {$2400.00} and I have no clue where this amount is coming from.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

1. A mount a.  XXXX  Check deposited  XXXX   XXXX ,    2017  b.  XXXX   XXXX ,   XXXX   called Discover Bank over check being mailed in due to fund 's not being available and make sure they did n't deposit the check twice, due to it was mobile deposit.   c. Check amount in ( a ) redeposited again  XXXX   XXXX  email  d.   XXXX   XXXX ,    2017  {$70.00} removed from my account and the positive amount account rendered to - {$57.00}.   e. Called Discover bank and they told me " they would return the funds back and what else they removed '' but have yet to do so.    2. Com plaint a. Already addressed situation  with ( Discover Bank ) and t hey have yet to keep there word.   b. They took over a week to make another small deposit into my account on  XXXX   XXXX ,  2017  of {$2.00}
Complaint sub-issue: Information belongs to someone else

My company is transferring our service delivery to another company, and within this transfer I had to undergo another background check. This was the first time I have had the opportunity to review this information, and I have found incorrect information on my report related to an address of residence to include XXXX, Texas. This also appears on my credit reports and I have received phone calls from car insurance companies, as well as regarding medical bills for this address as well. It was shared with me by XXXX of these calls that this individual turns out to have the same name and birth date, however does show a different social security number. Somehow this person 's information continuously ends up on my credit and employment reports which is inaccurate and have been reported to the credit bureau in the past without resolution. Please research and help me resolve this issue for my consumer reports, credit checks and assure this is not potentially fraudulent.
Complaint sub-issue: Debt was result of identity theft

Account was not opened by me. Not my account. Account opened and obtained fraudulently.
Complaint sub-issue: Reinserted previously deleted info

An account from XXXX in.the amount of XXXX was reinserted on my credit report when it was deleted.
Complaint sub-issue: Contacted me after I asked not to

This company keeps calling me hangs up some times breaths then hangs up, I called back to find out who it was I asked who is this they said your mother and were very nasty the call keep on going. They claim to be looking for a woman to whom does not live at this address, I did tell them to stop calling and this person I do n't know and never heard of them. After calling again to ask them to stop calling they cursed me out and said we know who lives their and we are coming for you. I immediately did some research online and only came up with a collection agency called IC systems these people are illegally calling me and harassing me. XXXX
Complaint sub-issue: Information belongs to someone else

I was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this XXXX  issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX LA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

In 2014 I was unable to make timely payments on my XXXX XXXX account which was serviced by Citibank. The account was referred to collections and charged off. I hadn't been able to make suitable arrangements and each month the account updated as being paid late although no payments were expected since the account had been charged off. 4 years later I received a XXXX indicating the debt has been cancelled. I had not been contacted for any collection activity on the account in 3 years. The account is now handled by XXXX XXXX XXXX XXXX. Since this account was originally charged off, how is it now considered forgiven debt when the original creditor wrote the debt off as bad debt already?
Complaint sub-issue: Debt is not yours

I WAS AFFECTED BY THE EQUIFAX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO EQUIFAX ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM EQUIFAX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..EQUIFAX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..EQUIFAX IS RESPONSIBLE AND NOW THEY WONT FIX IT
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 XXXX, XXXX, XXXX.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 Act’s 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)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX XXXX with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT #XXXX opened onXX/XX/2015 with a credit limit of XXXX-This is not my account.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to obtain my credit reports through XXXX, and had absolutely no problems with XXXX, or XXXX. I received a message from Equifax that they were unable to supply my report, and that I would have to request it in writing. 

I completed the supplied form, included a photo copy of my SS card, Texas Drivers license and my voters registration card. Approximately two weeks later, I receive d a letter from Equifax saying that I did not provide adequate proof of Identity. Once again, I provided the same request, and identification documents and a copy of my phone bill showing my current address. It has now been more than thirty days and I have not received an answer or credit report. 

Equifax is always the most difficult company of the three, they simply do not want to deal with consumers. 

I would appreciate your assistance in receiving the report that They are required to provide by law. 

Today, I am making a THIRD request from them. This company should be REQUIRED to supply the annual credit report through the annual credit report process, and not be allowed to stall, hoping that they wont have to turn over the required information. 

Further, I believe that the questions to prove identiity should be reviewed, as they never pertain to my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : *Collection : XXXX XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} MIDLANDFUN XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.
Complaint sub-issue: Didn't receive services that were advertised

This is pertaning to Bank of the West XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through XXXX  XXXX  and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
Complaint sub-issue: Billing problem

Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.
Complaint sub-issue: Problem with balance transfer

I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.
Complaint sub-issue: Account status incorrect

This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid