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

I have disputed hard inquiries with XXXX, Equifax, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to you.
Complaint sub-issue: Unexpected increase in interest rate

Good Evening, I Bought a television over a year ago for close to {$1500.00} with a CITI Best Buy credit card shortly after getting the credit card. Have been paying on the card now for over a year no issues. Two months ago XX/XX/2018 I noticed that my minimum payment had increased dramatically. I thought nothing of it, and I payed the bill. The next month XX/XX/2018 I noticed the same issue. I decided to open my account, and take a look at the activity to see what was going on. I started to dig, and noticed a {$1000.00} interest charge. I thought that there might have been a mistake, so I called their help line on I believe XX/XX/2018. I talked to the phone operator, and was told that there was no mistake, and that I had signed up for a no interest year and a half, or two year financing plan. I was told that I did not pay the debt off in time so they charged me a ridiculous amount for interest. I did not sign up for this program, and tried to explain this to the phone operator. I got nowhere with him so I asked to speak to the supervisor. I talked to the supervisor, and she informed me that she could extend the payment deadline to XXXX  that night to pay off the XXXX debt, but no further. I had called them around XXXXXXXX XXXX  so roughly 7 hours to pay an unexpected bill of XXXX $ to avoid a XXXX fee while I was in the middle of paying my bills. I told her that I did not have the money right then and there, but if she could extend the deadline to my next billing date I would be happy to settle my bill. She said this would not work, and 7 hours was the best she could do. I did not sign up for this program they are committing me to, and I would like to resolve the issue as soon as possible. 

Thank you for your time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear CFBP This is not a duplicate complaint as it does not relate to CFBP case # XXXX. I am filing a complaint against Citi ( CBNA ) for not giving me the required documentation to file a FTC  identity theft report relating to unauthorized inquiries from my credit report. They were requested to either remove the unauthorized inquires or give me the signed application and IP address used to submit so a FTC identity theft report could be filed. Citi was informed via certified mail that they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. They did not read my complaint or provide the requested documentation proving that these were in fact authorized so a FTC report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report or provide the required documentation for a FTC identity theft report to be filed. Thanks, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here are the list of concerned account that needs to rmove completely from my Credit Report : XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXXI-Balance $ XXXX Opened : XX/XX/XXXX, XXXX Balance {$1700.00} XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

EQUIFAX is breakfast the law according to the FCRA! They have changed my account history with my XXXX accounts and are now reporting missed payments after reporting 100 % on time payment history! This is a direct violation of 15 usc 1681e ( b ), 15 usc 1681b ( 2 ) and they are punishable pursuant 15 usc XXXX by 1,000 dollars per violation. I am submitting screenshots of how my reporting was correct and how they are now in violation of the FCRA by reporting inaccurate information! By law once a credit reporting agency deletes inaccurate information the information can not be placed back onto the consumers report!
Complaint sub-issue: Information belongs to someone else

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.
Complaint sub-issue: Information belongs to someone else

A loan of some type was charged off onto my credit report. The company is called XXXX XXXX. The account is costing me XXXX dollars in higher interest rates
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Hunter Warfield has called several times on different numbers and they never acknowledge e who they are with. I can not pay a bill if I am not sure who they are with. I do not owe this bill either. They refused to stop contacting me and they used different numbers so I am not able to block their number
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

This is a debt that I do not owe. I have been trying for years to obtain proof of this debt, but they refuse to provide it. They continue to harass me, my spouse, my family, and my friends. Now they are telling people that they are coming to my house to serve me with " papers ''. I have asked them to cease communication with me and my family/friends. I have made a complaint through the FTC and the Illinois Attorney General Office. I spoke with a gentleman at  XXXX   XXXX   XXXX   XXXX  who said that they do n't care if we make complaints, they will continue to harass us. He was verbally abusive to me and my family/friends. I do n't know what to do to make this stop. Please help.
Complaint sub-issue: Investigation took more than 30 days

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Complaint sub-issue: Account status incorrect

Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {$XXXX} now. Last week, it did not report that account or amount. I never owed a charge-off of {XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. The company even removed the unverifiable bankruptcy from their " verified '' report but still have it on their " unverified '' report which is against the law! 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, AXXXX, Bankrupticies, Source Receivables violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}
Complaint sub-issue: Can't close your account

I am a victim of ID Theft. Someone took my information and opened a checking account with US Bank. I have been reaching out to US Bank monthly since XX/XX/2021 to have US Bank close this as fraud and they are not closing the account. They keep telling me it is closed but the account is not zeroed out so the negative balance is still reflecting and US Bank is sending me letters requesting I pay this. I get a " Pay '' letter every month with threats that they will report this to my credit report. I did not open this account, I will not pay for something I didn't do, and US Bank needs to correct their error in approving and opening a fraudulent account. US Bank is threating me and demanding money from me and that is extortion. At this point I feel like US Bank is not closing and resolving this properly because they are in the fraud/inside job among their employees. This bank needs to be investigated to the fullest like you did with XXXX XXXX for their scandal.
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX my 24 month interest free promotional was coming to an end. I paid the remaining balance of that promotion on XX/XX/XXXX in the amount of {$3800.00}. On the next bill I verified that amount was posted. However on XX/XX/XXXX 's statement they reversed the payment and added the 24months of deferred interest ( {$2900.00} ) to the account. I have tried to resolve several times.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXXpened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

This is the fifth time, there are unauthorized accounts and inquiries on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, I was discussing a HELOC with XXXX XXXX XXXX XXXX. As I was completing an application a representative emailed me to ask permission to pull my credit. I responded and stated that I was concerned that pulling my credit would result in a hit to the credit score, and so I only would authorize that if I knew that I would at least have the necessary  documentation available to complete an application. Specifically, I asked if paycheck stubs were needed, because I knew that I could not obtain them from my employer due to the COVID 19 situation. 

The representative checked, and confirmed that the application could be processed without those documents. The bank then directed its agent, Credco, to pull my credit. 

On XX/XX/XXXX, a loan processor asked for the paycheck stubs. When I forwarded my previous correspondence, they responded by saying that their representative had made a mistake. 

I contacted the credit bureau and disputed the credit pull, but they claimed that the report was accurate because it reflected an actual ( if unauthorized ) hard pull. They advised that if the pull was unauthorized, I needed to dispute it with the requestor. I contacted XXXX ( XXXX XXXX ) and asked that it direct Credco to reverse the hard credit pull, but they claimed that they had no influence over Credco. I contacted Credco to dispute the credit pull, but they did not respond.
Complaint sub-issue: Account status incorrect

Spoke with XXXX at equifax because they wiped my entire credit profile out, only leaving derogatory marks of 5 disputes, also they keep adding and removing addresses and information in good standing, now after XXXX XXXX reported and sent 3 Bureaus a letter about reporting incorrect information equifax added it back to bring my score lower, I am disputing derogatory items I was told would be removed along with inquires I didnt request.
Complaint sub-issue: Debt is not yours

After reviewing my credit report I notice a collection that I am not responsible for. Below is a copy of the collection on experian. I am a victim of idenity theft. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 0 % of this account is paid off Balance on XXXX XXXX, XXXX {$3200.00} Original balance {$3200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was approved for IDR plan today XX/XX/2019 ; however I received two confirmations with conflicting messages. In an email, which I will include in this complaint, states that I now have a monthly payment of {$0.00} which I need to recertify annually. This is fair and makes sense. I then received a Pdf attachment from a secure email, stating that i have a monthly payment of {$260.00} due on XX/XX/2019. What plan am I on? If I have no income, why am I now owing {$260.00}? 

Please help sort out this confusion.