Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MG Credit XXXX XXXX XXXX XXXX XXXX Fl RE : Account Forever vets XXXX XXXX XXXX To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with The name XXXX XXXX. and my social security number seems to be incorrect as well. On XX/XX/2019 i contacted Equifax and spoke to a representative to have name and ssn updated. I was told to send a fax with such request. i sent the request to fax number given ( XXXX ), i also sent correspondence via mail to equifax that included my ID and social security card. i received a letter on XX/XX/19 stating my ssn is currently reporting correctly on my equifax credit file. this letter was sent to XXXX XXXX. Name and ssn was not actually updated.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Thank you for taking time to read this. The total amount charged was {$11000.00} in XXXX of XXXX. The online travel agency XXXX was supposed to provide a discount to which it did not so we initially disputed the discount amount of XXXX  XXXX. Due to the pandemic, XXXX went out of business in XXXX of XXXX without providing a service nor refunding that amount. Now we are trying to recover the {$11000.00} but because of the initial dispute for a smaller amount Discover wont dispute it nor provide us with credit even though more than a hundred pages of evidence supported the refund. Discover has even agreed that I should be refunded this amount but has not done so. It is un fair to be out nearly {$12000.00} for something that we couldnt control. It has been almost a year. Please help our family CFBP. Thank you kindly.
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 HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... 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: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX ; ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) These accounts report a  {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account status incorrect

I have never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Complaint sub-issue: Account information incorrect

Ive reached out to this organization and I was told by a representative XXXX and would not give her last name I was unable to report in accurate fraud and identity theft on a account thats been open without my permission
Complaint sub-issue: Their investigation did not fix an error on your report

Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS REMOVED.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days and nothing was changed to my credit report ... attached is my credit report of that XXXX account proving that there are misleading incorrect inaccurate items on my credit report .... clearly violating my rights!! THE EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS!! ONLY A XXXX PERSON DONT SEE THIS INACCURACIES ;!
Complaint sub-issue: Information belongs to someone else

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

The amount owed on this account does not belong on my credit report. I have ent three letters showing proof of incorrect address. Please remove from my credit report.
Complaint sub-issue: Public record

In, XXXX I pulled my credit and found that I had a debt to the Ohio Department of Taxation and XXXX County Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX county courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all XXXX agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed ( but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General Department of Taxation and collection and the XXXX County Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by both agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the XXXX limit for paid tax liens. ( this is now XXXX years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,
Complaint sub-issue: Information belongs to someone else

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX XXXX and equifax regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you
Complaint sub-issue: Account information incorrect

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 Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Having problems with customer service

I was on the Income-based repayment plan before I started XXXX school. When I started XXXX school, my loans went into in-school status. At the same time, it was time for me to reapply for the payment plan I was on. I 'm a XXXX employee XXXX, and I was also trying to work on the XXXX Forgiveness program. Fedloan told me that in order for my payments to count, my loans would have to be taken off deferment. My loan status of in-school also denied me from getting reapproved to have the payment I was on. They told me I had to wait for a form to come in the mail when in fact it could have been sent electronically. I filled out the form after waiting for two months. Come XXXX 2015 after my loan status was fixed, I reapplied for a reduced payment plan. That took 3 months to get resolved after talking with several general customer service reps and XXXX supervisors. Because I was waiting for them to change my payment plan, my loan payments returned to the normal rate of XXXX dollars per month. I ca n't afford that. After some time, my loans went into delinquency because I was waiting on Fedloan to change my payment plan. It was only two days after my due date that I called and got my account put a forbearance put on it. After speaking with a specialist, I finally managed to get on the payment plan I wanted. However, because of my loans going into delinquency, I owed XXXX dollars. I am currently working with the specialist I have been in contact with to get this resolved. 

In short, the problems I have with Fedloan deal not only with customer service issues, but with inefficient business practices. They are incompetent and almost not worth dealing with, even though I want to participate in the XXXX XXXX Forgiveness program.
Complaint sub-issue: Need information about your loan balance or loan terms

I have notified and for months telling my original loan servicer AES/PHEAA, And current servicer, US Dept of Ed, Direct Loans, that these student loans dated XXXX, and XXXX, 4 loans, are not MINE. The XXXX  website is not correct. 1. It shows I withdrew XXXX, I graduated XXXX ; 2. I was in school XXXX, date they begin collecting on loan.date do n't match. 3. Amounts do n't match my loan papers for any of these student loans. 4. The grant amounts DO NOT match my loan documents. 5. XXXX list XXXX XXXX XXXX as Original Lender of these Loans. XXXX XXXX XXXX confirmed THAT they have NEVER given me a student Loan, or any loan, EVER. I have requested Many XXXX times AES/PHEAA provide me the original 4 Promissary Notes showing these loans are mine. They can not after taking months to search, and simply keep sending me the consolidation promissary notes in XXXX. I told them numerous times get my name off these loans and return my money, but they are intent in making me repay someone else 's loans. The phone number of the owner of these loans is n't even a phone number I ever had, but I know whose number it is, my classmates, who also got student loans as well. Do I seriously have to take them to court and obtain a court ordER to force them to correct their mistake that they know they made? I 'm sick of getting the run around while they have seized over {$12000.00} from me to pay some on else 's loans. I paid my loans off years ago, in XXXX. I told them that, but they do n't care. The original principal was {$XXXX}, They seized over {$14000.00} from me Balance owed today is > {$XXXX} That 's absurd!!! I have my originAL loan documents, even sent them several times to both AES/PHEAA and Direct loans/us dept of Ed, requested they to get my name off these loans but they refuse to do anything. Please help me. XXXX
Complaint sub-issue: Debt was paid

I.C system has been trying to collect a debt I do n't owe.The original owner of the debt was XXXX.A power provider that advertises its services without the need of a contract or even credit check.My obligation to XXXX was fulfilled and no balance was due upon the termination of service. However, XXXX claims that a contract was entered and an early termination fee is due.Such charge was disputed and removed from my credit report back in XXXX of 2015. However, I.C system is once again trying to collect on a account they know to well is satisfied.Furthermore, they 're once again reporting negative information to the credit bureau.
Complaint sub-issue: Debt was paid

Hi! I received two letters from Alpine Credit Inc..t/n/f XXXX XXXX XXXX XXXX  recently. Both letters have my incorrect address number and both say I owe a different amount to XXXX XXXX XXXX. No address date is provided as when these two letters were written. 

I was in the hospital last year for an infection, and after checking with my insurance provider, XXXX XXXX, I do not have any outstanding claims.
Complaint sub-issue: Information belongs to someone else

The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX my card ending in XXXX was stolen. I reported it stolen on XX/XX/XXXX and the card was closed. A new card was issued and my privacy preferences were set to not allow merchants to be given the new card number and no transactions on the card ending in XXXX were to be transferred to the new card. This should never have been done as it violated my privacy preferences elected and the charge was made on a card which was reported stolen and closed. 
Despite these precautions being taken on XX/XX/XXXX XXXX XXXX XXXX XXXX processed a charge for {$1700.00} on card XXXX which had been reported stolen. The card information was manually entered according to CitiBank. Upon notifying Citi Fraud Operations of this unauthorized transaction, Fraud stated it was a billing dispute and not a fraudulent transaction because I had previously done business with the merchant. This seemed extremely wrong, however they transferred me to billing disputes. Billing Disputes opened a dispute case and issued a temporary credit. 
on XX/XX/XXXX Citi reversed the temporary credit stating it needed to go to billing disputes and forwarded the case to security operations. Upon speaking with security operations on XX/XX/XXXX they stated the case was a billing dispute and transferred me back to billing disputes. Billing Disputes transferred me back to Security Operations. This went on for close to 2 hours. Finally I requested to speak to a manager, not a supervisor. This request was denied and I was told in order to have this and the any disputes looked at I would need to write in to the office of the president, which I had already written into. 

Case XXXX Case # XXXX was previously filed after my personal financial information was compromised by a local hotel and reservations under my rewards account were made without my knowledge or approval. Subsequently charges were made on XX/XX/XXXX and XX/XX/XXXX for hotels and XXXX were reported fraudulent as well. Citi stated the charges were valid because I had done business with the merchants before. This was Citi 's decision despite being very aware I was not even in XXXX, TX ( the city where the charges took place ) as I was already traveling for the holidays and having issues paying for my hotels in other cities as a result of the fraud charges and card being closed. My new card was even sent to my father 's home in XXXX XXXX, TX. 

I have written in, supplied complaints filed with the justice department, and Texas attorney general, as well as replied to all letters from Citi well within the time allotted with all the information requested.
Complaint sub-issue: Old information reappears or never goes away

Several times the XXXX account and some XXXX  account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act 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 account without my written instructions. I have never own such account listed on my report as 90 days late XX/XX/2015, XX/XX/2015.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( also known as 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 an account without my written instructions.