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

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX, Account Number : XXXX, has violated my rights. 
2. XXXX XXXX, Account Number : XXXX, has violated my rights. 
3. XXXX XXXX, Account Number : XXXX, has violated my rights. 
4. XXXX, Account Number : XXXX, has violated my rights. 
5. XXXX XXXX, Account Number : XXXX, has violated my rights. 
6. XXXX, Account Number : XXXX, has violated my rights. 
7. XXXX XXXX, Account Number : XXXX, has violated my rights. 
8. XXXX XXXX, Account Number : XXXX, has violated my rights. 
9. XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with XXXX  regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX After filing multiple disputes online and getting a response that it was verified, I sent out 609 letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Complaint sub-issue: Debt was paid

I am disputing a collection from XXXX XXXX XXXX ( in the amount of {$280.00} dollars ) that has appeared on my account. I have already paid in full the amount that was owed for the services performed. There should not be a collections on this account as the Original Creditor has already received complete payment as noted above, and this collection appears to be an error.
Complaint sub-issue: Information is not mine

I contact Equifax about the several wrong information on my credit report. I contact them by phone to dispute the wrong information, I was ask for my social security number and I gave my number and the lady who I talk with at equifax told me that that wasn`t my social security number. and she told me that another number and I told her again that is not my number. and she made me upset by trying to make someone esle social security number be mys. I think I should know my social security number and we had some words, and I ask her to put someone esle on the phone that I can talk to. who have some sense because something was wrong with her. I talk to someone esle and I was told to fax a copy of my social security number and a copy of my ID. I fax my information to them and was told to call them back the following week. when I call back I was told that they have up dated my information on the person credit who is not me. Equifax have given creditors of that lady reports my address and phone number .one of the lady creditor call me and I told that person that is not my credit and he ask me was the last XXXX digit of her social security number was mys and I told him that we might have the same name. and that our middle name is different, our birthday is different I never lived where she lived. and that we are not the same person and I let him know if he call me again that I will sued him and that was that. but still her information is still on my credit, also I was mail the Lady statement with her name, social security number, her last mailing address and her last job and her pay amount and other information. concernuing her. I have contact Equifax several timeand I have went on their website and disputed the wrong information and gave them proof who I am and yet they refused to proved that, that is my credit. they have made my life a living hell and my life is on hold and this mess has taken my nerves on the deep end I am on medication for my nerves.
Complaint sub-issue: Personal information incorrect

Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because Equifax, XXXX, XXXX have given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX Ct XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

On multiple occasions I've used Mohela 's " pay by loan '' feature to submit payment targeting specific loans to have them be paid off so I can save on the interest. Well, rather than submitting payment as I instruct, Mohela will generically submit the payment to all outstanding loans and just push forward my due dates. While I make payments on other loans, the ones that have had their due dates extended simply sit and collect interest. So instead of paying off the loan, months later I'm faced with a large accrual of interest! This is predatory lending and an attempt to keep servicing the debt even after I've given specific instructions to pay off the debt. Mohela owes me the interest thats accrued when the loan should have been paid off. They have misapplied many of my payments over the several years I have been repaying my loans but this latest one was simply the straw that broke the camels back. When you try to communicate, the representatives are either completely untrained or simply indifferent and on several occasions I've simply given up on trying to get something done. Please intercede.
Complaint sub-issue: Information belongs to someone else

these accounts are affecting my credit report. Please remove them.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal Act. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts are still here and I am writing to dispute these accounts. I did not owe these debt and it does not belong to me. I never established these accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt was paid

Return a phone back to XXXX  in the store. Sales representative took the phone. XXXX is reporting they didnt get the phone it been years more than 7 years. The collection was removed from my credit but this company name Enhances Recovery in XXXX have been calling me trying to recover money from this old collection.
Complaint sub-issue: Problem getting your free annual credit report

Ive tried to get my three credit reports from XXXX but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - XXXX mailed a credit report print out - Equifax mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - XXXX never sent a credit report
Complaint sub-issue: Billing dispute for services

On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, Equifax, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Complaint sub-issue: Was not notified of investigation status or results

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Complaint sub-issue: Frequent or repeated calls

Beginning XXXX XXXX, 2017 through today, XXXX XXXX, 2017, Allied Interstate LLC has called my cell phone number twenty times, as often as four times a day, and have yet to leave a message.
Complaint sub-issue: Debt was result of identity theft

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Complaint sub-issue: Account status incorrect

I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Complaint sub-issue: Need information about my balance/terms

My student loan is over 25 years old. I defaulted in XXXX and resumed payments in XXXX. I have made over {$37000.00} in payments. My contention is that I no longer owe the Federal government any money because the amount they paid to the loan originator, as the guarantor, was about {$19000.00} - I believe I have paid what I owed plus a lot more. The government does not agree with me. In XXXX I was told that what I owed was {$24000.00} ; they did not include a breakdown of the amount, i.e. what was the actual loan amount, capitalized interest, and, what I have subsequently learned, was additional fees and costs that they could collect. I also had a wage garnishment in XXXX so I decided to start paying. I did have deferments which capitalized more interest and now my debt to them is over {$28000.00}. Also, when I started repaying the loan in XXXX, the government could have just charged me the 3 % interest rate that was in effect - instead, they went for the full 8.25 % that was the top rate. I guess they felt they were doing me a favor b/c my original rate was 9 %. WHEN does this end? I have contacted a student loan ombudsman and was told that I should just continue with the PSLF program I am now in. I want to ask the servicer to verify the loan and that I owe anymore money to them. The XXXX agreement also ddi NOT include the wage garnishment so I have no idea if that was actually credited to the payments I made in the XXXX. I recognize I did not act responsibly when the loan was originally due but now feel as though I am being punished by being made to pay way more than what the government paid as guarantor for the loan.
Complaint sub-issue: Used obscene, profane, or other abusive language

I been receiving multiple phone call from this agency.XXXX XXXX area code : Toll-free Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number. 
Left a VM saying, " This is XXXX calling with XXXX XXXX  an advocate for the XXXX County courts calling to notify you of your appearance date requested to be scheduled for this coming Friday, XXXX XXXX, 2017 at XXXX ( today is XXXX XXXX, 2017 ). As the XXXX XXXX, we do not hold the contents to your case. You must contact the filing party if you have any questions or concerns regarding your expected appearance. They can be reached at XXXX. Again, they should be able to answer any questions regarding the time, date and venue in which you are expected to appear. Thank you.XXXX is XXXX XXXX XXXX XXXX, a debt collection agency. 

I called them to see about this matter and XXXX was being very rude and yelling at me because I was asking questions and did n't want to pay her. She state that " I hope you suffer. '' I just hang up on her. She stop calling for a day and now is calling all over again.
Complaint sub-issue: Debt was result of identity theft

Trying to dispute all these off my credit I have no knowledge of these XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor in the amount of XXXX {$2.00} ) grant and Weber in the amount of XXXX {$3.00} ) XXXX XXXX XXXX in the amount of XXXX {$4.00} ) XXXX in the amount of XXXX $ These are the items I need removed Thank you so much
Complaint sub-issue: Debt is not yours

I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX I iled a legitimate dispute with Direct Express regarding {$390.00} of fraudulent charges on my card make by eve XXXX. Having never filed a dispute before I made sure followed there dispute process throughout their investagation. I was given a provionsal credit of {$390.00} until they completed their investagation.. upon completing their investagation they determined the was no error made. I received a letter from them them stateing they were reversing the privionsal credit in the amount if {$0.00} when they actually withdrew {$390.00}. My claim was a legitimate claim. I contacted the XXXX  and found countless of people who had experienced the exact situation that I did however their banks honored their disputes and Direct express denied mine. I requested a copy of the documents direct Express used in determining the outcome if my dispute and have not received them.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed bankruptcy in XX/XX/2018 and it was discharged XX/XX/2018. I explained this to this company but they still repeatedly calls me.
Complaint sub-issue: Information belongs to someone else

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/2021 ), XXXX XXXX  XXXX XXXX date of inquiry ( XX/XX/2021 )
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this account several times with XXXX XXXX and With Equifax, XXXX, XXXX I Have a complaint thru CFPB cause XXXX XXXX will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

I went off information in my credit report by Equifax, XXXX, XXXX Equifax, XXXX, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE EQUIFAX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE. 
THIS IS MY FINAL NOTICE TO EQUIFAX AND THERE RESPONSE WILL BE USE IN COURT.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2018 Citibank charged me an overdraft followed the monthly service fee. However this is different from what mentioned in the card member agreement. 

" Our overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction. You will be charged no more than three ( 3 ) overdraft and insufficient funds fees per day for Consumer accounts. " Definitely, monthly fee does not belongs to check, ATM withdrawal, debit card transaction. Moreover, I have never opt in overdraft protection and the overdraft fees ( As the attached files ) should not be charged. 

I talked with the citibank banker before, they said they can not waive the fees for me.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX