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

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX/XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Billing dispute for services

I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.
Complaint sub-issue: Debt is not yours

I received a copy of my credit report and saw that USCB had attached a collection account to my credit for a delinquent account with XXXX XXXX opened XX/XX/XXXX. This does not belong to me. I contacted USCB and spoke to XXXX XXXX and stated I wanted to dispute the negative information on my credit as the account did not belong to me. I requested he mail me a validation of debt along with the original application and signature. I allowed far more than XXXX days to receive this information and I have received nothing. I then contacted USCB via the email address on their website as this is a form of electronic communication. First and foremost, the email address on their website has the wrong extension being XXXX when the correct extension is XXXX which suggests this is an intentional means to further ignore customer requests. It states on the website that the email address was to address consumer claims, however, without realizing the email address provided is incorrect, USCB simply states they received nothing. Again, this is against fair debt collection practice in addition to being in violation of the XXXX. I checked my report today XX/XX/XXXX and I noticed USCB is again attaching erroneous and fraudulent accounts to my credit report that do not belong to me. I have never done business with either company at any time. The other collection is from XXXX XXXX XXXX. This is not my account. This is reported as an account opened in XX/XX/XXXX. Again, never have I done business with this company. USCB does not send validation of debts, or the original application and signature as requested. USCB is in violation of the consumer protection laws, and they are in violation of the XXXX. I have spoken directly to USCB and I have disputed the account and they have provided no information and they have not corrected my credit report. I intend on following up and taking the necessary steps to completely and fully remedy the situation and see to it that USCB takes responsibility for the violations. There are penalties and damages imposed on debt XXXX who attempt to collect a fraudulent erroneous debt and for violating the XXXX. XXXX XXXX is the representative that I spoke directly to and I will hold him personally responsible along with USCB corporation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Unauthorized : Discover Payment Protection Identity Theft Over the course of the last 11 years our discover credit card has been charged monthly for the above services that we did not authorize. Contact was made and we were advised they can only refund 6 months of unauthorized charges to the account. They also were unable to locate or provide documents showing these services were agreed to. We were advised the only possible way of obtaining these documents is by filing paper work through a lawsuit. I do not wish to do this but I feel this will be my last option.
Complaint sub-issue: Frequent or repeated calls

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to MRS BPO, L.L.C. and XXXX XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Complaint sub-issue: Account status incorrect

This account is paid. In full. Never received anything from a collections company as it states on my credit report Collections/ Charge off. I took out a {$800.00} loan for XXXX and paid it off. I was not notified about collections or anything. And even sent emails to apply again for another loan so I am confused here. Not sure why this negative remark is on my report. And this is the only thing stopping me from A morgage is a old loan in 2016 for {$800.00} when I was a single mom to help with XXXX and paid back this loan with tons of interest all to get a negative remark. Pretty frustrating.
Complaint sub-issue: Debt is not yours

I have a debt collection on my XXXX  credit scores for XXXX dollars and the debt is not mine from ic system inc
Complaint sub-issue: Indicated you were committing crime by not paying debt

I received a demand letter on XX/XX/2021( all doc attached ) stating I owed {$2100.00} for File # XXXX, acct # ending XXXX. I paid {$150.00} XXXX proof of pymts also attached XXXX. Then the next letter XXXX rec 'd 8 days later said the same file # and acct # now had a balance of {$1200.00}. They either are fraudulent or completely incompetent, but I kept paying based on the last letter. I paid on XX/XX/XXXX, {$150.00} and just paid on XX/XX/XXXX, another {$150.00}. Then today I get a thing in the mail showing the court is notified I defaulted on an agreement to pay. I agreed to pay but will not make another payment until this company agrees that all is owed now is the following, based on their last letter and the pymts made since : Letter sent on 2/17/21 stated amt owed is {$1200.00} Pymt of {$150.00} on XX/XX/XXXX Pymt of {$150.00} on XX/XX/21Pymt of {$150.00} on XX/XX/21That leaves a total owed of {$790.00} Any amount over that can not be trusted as this company sent XXXX completely different amts within 8 days of each other so I will take the lower amount, which is the last letter they sent me. I will also be sending all of this info to the court as well.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the Equifax data breach.
Complaint sub-issue: Debt was paid

I was under a contract with Conn 's - Account # XXXX and made my last payment of {$55.00} on XX/XX/2019. My payment wasn't due until XX/XX/2019 but I paid it off early. On the payment page where I selected to pay the current balance of {$55.00} the website said " Great! your selected option indicicateds you are choosing to pay off your account. '' my account was at a {$0.00} and it said I had a balance of {$2.00} with a late payment due of {$40.00}! I called Conns they said they would have someone to close the account out. It usually takes 72 hours. The 72 hours passed and I called back on XX/XX/19 and nothing had been done to the account. Conns said they would have to create another ticket and it should take 72 hours to complete. The account had not been closed and the current pbalance has gone up to {$11.00} plus a {$48.00} late fee which makes no sense. I have paid Conns 's on time and never been late on a payment for three years. Can someone please help me get this resolved? I don't want it to hit my credit when the final payment of {$55.00} was made a week before the scheduled due date.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX I noticed multiple accounts, inquiries, addresses and phone numbers on my credit file that did not belong to me. I disputed the fraudulent accounts with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and received letters from each bank concluding the accounts were fraud and I had no financial responsibility for these accounts because of it. On XXXX XXXX, XXXX I forwarded my police report, victims statement, proof of identity and letters from XXXX XXXX XXXX and XXXX concluding that each account was fraudulent. I sent the dispute via certified mail with XXXX. Equifax received my mail XXXX XXXX, XXXX. As of XXXX XXXX, XXXX each fraudulent account continues to report on my account. I called Equifax today, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX am CT and spoke to XXXX. I asked why these accounts continue to report on my Equifax file when I sent all necessary documentation proving it to be fraud. XXXX, who was very rude and abrasive, informed me that the accounts were " verified as being mine. '' I informed XXXX the accounts are fraudulent and are not mine, in addition each bank has agreed to them being fraudulent via the letters I was provided and provided Equifax with. Per my rights with the FCRA, Equifax had 30 days to complete my dispute and remove the fraudulent accounts. I never received any documentation in the mail saying the investigation was complete and the accounts were verified as mine either. I then asked XXXX for a method of verification letter with all certified documents that were exchanged between Equifax and the banks of the fraudulent accounts, as a consumer I have a right, per the FCRA, to be provided this information. I have a right to know what documents were exchanged, who Equifax spoke to at XXXX XXXX XXXX and XXXX, what information was provided to conclude these accounts belong to me, etc all within 15 days of the request from the consumer. XXXX informed me he will not be sending me a method of verification letter, which is violating my rights! If these fraudulent accounts are not removed immediately I will be contacting a lawyer and filing suit, there will be depositions involved and subpoenaing of records and phone calls. I do not want to go down this road however if this matter is not resolved immediately I will do so. This erroneous entries on my Equifax report is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If Equifax choose not to provide the requested deletion or requested method of verification letter I requested of their " investigation '', I will pursue the enforcements of my constitutional rights via federal court proceedings. In the meantime I will like to file a complaint with you all against them. I had no problem getting XXXX and XXXX to remove these fraudulent accounts however Equifax is being difficult even after I provided ALL necessary documents to prove these accounts are fraud.
Complaint sub-issue: Problem with paying off the loan

During my vehicle refinance with Flagship I purchased GAP insurance from what I understand was also through Flagship ; but due to extremely poor loan servicing I again refinanced via XXXX XXXX XXXX  XXXX. I am owed a GAP insurance refund from Flagship Credit Acceptance that I have yet to receive. I have repeatedly called asking for the status of my refund and gotten a different answer every time. This leads me to believe that Flagship does not intend to issue my refund. I am sure there are many former Flagship customers that are in the same predicament ; therefore this is my formal notice to Flagship management that if I do not receive my GAP insurance refund by XX/XX/2019 that I will file a Class Action Lawsuit against Flagship. You can either pay me the few XXXX that I am owed or you can pay out millions as you did recently with your {$4.00} XXXX auto-dialing class action settlement. I am a hard working man with a daughter to put through college so every XXXX counts. I refuse to be taken advantage of and I need my money. I expect someone from Flagship to call me ASAP to tell me the following ; what is my GAP insurance refund amount and when will it be sent? A copy of this complaint has been sent to the Consumer Financial Protection Bureau, the Pennsylvania Attorney General 's office, and the Tennessee Division of Consumer Affairs ( DCA ). It would be most unwise to take this complaint lightly. I WILL get what is owed to me one way or the other.
Complaint sub-issue: Account status incorrect

I submitted the despites with the credit bureaus regarding my Macys account. the account was charged off in XXXX of XXXX the account continues to report as a NEW charge off every month. I called and explained that to both XXXX and Macys. the account should not continue to report every month as a charge-off. It should only report as charged-off in the month that the charge-off actually happened. They have refused to remove the monthly history of the charge off and continue to report every month. I need these deleted from my account. Please help!
Complaint sub-issue: Trouble with how payments are being handled

This is about the 8th time this has happened, and from reading other statements online from other people going through them is no help. The situation is I will make my student loan payment on time over the phone. It will go through the entire process, and even give me a confirmation number but a few days later I notice no transaction. I will call back and they will tell me the payment is past due and that I never called them even if I have the phone records showing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information has been impacted by the Equifax Data Breach and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Balance : XXXX - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX Balance : {XXXX - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : XXXX - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : XXXX - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : XXXX - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXXXXXX Balance : XXXX - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
Complaint sub-issue: Information belongs to someone else

I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH ... 

^^^^^^^^^^Equifax IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I filed a FTC XXXX.
Complaint sub-issue: Problem with the interest rate

Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted Discover card on XX/XX/2021 in reference to a pending charge in the amount of {$2500.00} via the discover message center to let them know i wanted to start a dispute. I was told i would receive conformation either by email or mail. I never got either and i followed up myself on XX/XX/2021 to see if the dispute was started and was told it was being followed up on. it was not till XX/XX/2021 did i receive any correspondence via email stating the dispute was in my favor ( nothing had been requested from me during he whole process ) I contacted Discover again to ask details re : the company in relation to the charge disputing the decision and once again that was the only way i got any information from Discover. Then i contacted Discover again on XX/XX/2021 because the {$2500.00} was just applied back to my account, no information, no correspondence so like before i had to reach out. At XXXX i was told there was no dispute on my account for the past XXXX months and then with some back and forth i was told that the dispute was resolved. I complained that no documents were requested from me and when i explained what i did have they told me the only documents that would be acceptable for me to submit would be proof the company in question agrees to issue a refund. I had to ask more than once for where i submit documents on my behalf and this only was provided after i requested a manager and it was XXXX days later on the XXXX XXXX XXXX. I faxed a letter with some documentation on XXXX XXXX XXXX. I received an email XX/XX/2021 letting me know my information was already considered or was insufficient and said i have another XXXX days to continue my dispute but that they already sent reporting to credit bureau 's. When checking my credit report on XX/XX/XXXX was already effected by Discovers actions and my rating dropped XXXX points. Now when reading the FCBA I was under the impression that while a dispute is ongoing it should not be reported to the credit bureau 's. Also my main issue is Discover in not allowing a proper dispute and is stating the only documents they want is for me to get the opposing company to agree to a refund which is NOT a dispute and not how disputes work when there is fraud involved.