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

Im submitting this CFPB complaint addressed to the Credit Reporting Agencies today to inform them that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Other problem

During this pandemic I have been hit hard with suffering from my XXXX and been off work for the last 7 months I paid my credit cards when I could and also let them know of my situation. Recently last month I was able to get my Discovery {$2500.00} credit limit and pay it down to XXXX. Never had an issue until this morning when they decreased my limit by {$1000.00} which puts me back in square 1 and putting me almost at my crefit limit again and making my credit score drop after I been working hard to try to pay everything off I'm in a bind to where I have to move and by them cutting my limit making my credit score fall its making it impossible at this point I just want my credit limit back to where it was so I can finish making process to get everything back on track and they are making it hard for me to do so.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Agen XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe hasbeen taken care of due to the written appeals I sent but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states thatcontinued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needto update and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Complaint sub-issue: Banking errors

This is a follow up to my earlier complaint with Citibank. 

Given that the hacker accessed my account with no issues, why wasn't I alerted that someone had entered my account from a different computer/IP address? 

I was just sent two emails 'congratulating " me on opening TWO Priority checking account and an email telling me I had applied for a personal loan- which surely would seem odd, given that I am a Citigold member? 

Where was the protection of my account and my computer?
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello I have a credit card dispute that has negatively effected my credit due to a card that I don't have and was used a few months ago and now it has ranked up late charges, the starting amount {$86.00} on XX/XX/2021 and now the total amount with late fees is {$160.00}
Complaint sub-issue: Was not notified of investigation status or results

My account was on Autopay with XXXX XXXX XXXX XXXX  for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Complaint sub-issue: Account information incorrect

Discover Financial Services indicates that I opened an account in XXXX of XXXX. At this time, I was working in the XXXX since XXXX, XXXX XXXX for the poor fishermen of a small remote island, destroyed by a Super Typhoon. When I returned to the United States in XXXX, I had recently had a XXXX XXXX in the XXXX, and returned to the U.S. to recover. It was at that time that I was notified that Discover had attempted to collect a debt that I knew was not mine. I sent a letter to Discover in XXXX of XXXX, notifying them that this was not my debt, but was likely my son 's, who was also XXXX XXXX XXXX, and had been living in my home at the time the alleged debt began with Discover. My son has been suffering with extreme XXXX, and XXXX  use from his XXXX XXXX XXXX XXXX. 

I noticed that Discover is still listing this debt as mine, and shows that the account is open with a balance of about {$1500.00}. This reflects on my credit report as open, with the balance still open and active, though Discover also shows the debt charged off in XX/XX/XXXX. 
Discover never replied to my request to validate this debt as mine, and not my son 's. I asked for a signature on a contract, and copies of the original debt, but I was never given these documents by Discover. 

This debt is now affecting my ability to obtain medical coverage and prevent me from getting the care I need for my XXXX XXXX. 

This debt is also indicated to be seven years old, and should have been removed from my report, by this time.

I am asking that Discover remove this debt from my record and stop showing that the account is still open and the balance each month is reported as open and collectable in my name. I want the status changed and removed immediately from my credit file. You can attempt to collect this debt from my son.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Complaint sub-issue: Problem with statement of dispute

I have collection from XXXX XXXX on my credit report. I send XXXX XXXX a validation letter and they responded saying that they have suspended all collection activity and credit reporting on this account. I sent the letter from XXXX XXXX to Equifax ( other XXXX bureaus already deleted it ) and Equifax responded on XXXX XXXX saying they verified the account. This should have been an easy fix and I am having to spend all this extra time during work hours trying to get Equifax to follow the rules and laws. My understanding is that if I have a letter from the actual collection agency that states they can not validate the account at this time therefore they are ceasing all collection activities then according to the FCRA, FDCPA and the Texas Finance Code, the credit bureaus including Equifax must delete the account. It seems thy are ignoring my proof and simply sending an auto generated letter to me. If they would have taken the time to read the letter I sent them from XXXX XXXX they would have deleted the account. I am requesting CFPB, read the letter I received from XXXX XXXX and then request Equifax to remove this from my credit file or ask them why they have not removed an account that is clearly not verifiable as there letter to me states. Thank you soooo much for your help.
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/2020, I sent American Educational Services ( AES ) a {$23000.00} check to pay off my daughter 's student loan. I received the balance information earlier that day from AES. The check cleared my account on XX/XX/2020. 

I made three telephone calls to AES requesting a letter indicating that the loan was paid off. The first call was on XX/XX/2020 where I was told that I would receive the letter within 7-10 business days. Nothing came in the mail so I called back on XX/XX/2020 and was promised the letter which again never arrived. 

I made another call earlier this month and was told that I would receive the pay-off letter. Unfortunately, the letter that arrived today indicated that only {$4200.00} was paid off and closed. I never received anything pertaining to {$23000.00} which was paid to and cashed by AES. 

I am requesting that AES provide me with documentation that the full loan amount has been paid in full.
Complaint sub-issue: Didn't receive enough information to verify debt

CitiCards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Debt is not yours

A new account showed up on my credit report as being opened XX/XX/2019, and placed in collections for the amount of {$170.00}. Says it's XXXX XXXX XXXX, I might have had an account with XXXX XXXX XXXX like over 30 years ago but have been stationed overseas for the last 2 years and have not opened any new account ( s ) with XXXX XXXX XXXX, in fact I don't even know if XXXX XXXX XXXX would even work overseas.
Complaint sub-issue: Privacy issues

I received an email and a phone call from Discover asking me to give them digital access to my IRS Profile. The rep explained that my account had been flagged for verification and if I did not allow access to my IRS Profile to Discover they were going to close my account immediately. 

I currently have an outstanding balance with them and I am just now in a position to start paying payment to them, I lost my husband due to XXXX XXXX which started in XXXX of this year to XXXX. 

Also, the card I have is a special design card in RED BLACK and GREEN which signifies XXXX XXXX  I honestly believe that DISCOVER is targeting XXXX XXXX  bullying them for their information to either sell them more services or take them away, why else go for my IRS Profile. My IRS Profile was not required for approval of the card, why now? I have not indicated any fraud on my account. I need answers because now they are going to close my account sell it to a XXXX company for collection and I will end up paying double what I owe and will never get justification for paying this bill off with fair reporting to my credit bureau account.
Complaint sub-issue: Information belongs to someone else

This week I recieve some random letters and documents from XXXX XXXX XXXX, but after more than 30 days of claims and requesting specific documentation, XXXX XXXX XXXX clearly FAIL to provide me a Signed contract between my person and them. When I mean signed contract I mean a contract with my signature and an XXXX XXXX XXXX representative signature, date and or time on the contract. Neither XXXX XXXX XXXX provide me wit the contract between them and XXXX XXXX XXXX where stated for how much they sold this account together with all my information.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I received a Visa gift card of {$100.00} from my supervisor as a congratulatory gift for my XXXX on XX/XX/2018. I activated the card on XX/XX/XXXX to use in the future and saw that it had a balance of {$100.00} once activated. I tried to use the card on XX/XX/XXXX at a store, but was denied because the balance was XXXX. I checked online and saw that someone used the {$100.00} at a XXXX convenience store in XXXX XXXX, CA, which I am nowhere near ( I live in XXXX  XXXX, CA ) on XX/XX/XXXX at XXXX XXXX. I have proof that I was nowhere near the store on that day and time, as I was already checked into the hospital on XX/XX/XXXX around XXXX XXXX  and gave birth on XX/XX/XXXX morning. Proof of this can be provided upon request. 

I called XXXX on XX/XX/XXXX to contest this fraud, but the Visa phone representative said that she experienced the same fraud and has not gotten her money back yet. No help given. She said I will have to submit loads of evidence and if I'm lucky, I will get it back maybe in three months.
Complaint sub-issue: Information belongs to someone else

There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.
Complaint sub-issue: Account information incorrect

I recently pulled my Equifax credit report from the free annual credit report site. I found some incorrect information on my report but can not dispute it because Equifax has not allowed me to login to my credit file for over a year now. I do not have this problem with XXXX  or XXXX  - never have. With Equifax I constantly get an error message that advises me to call in. I spent a lot of time calling in last year in XXXX and the problem still isn't resolved.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX - Dispute collections reported line of credit for Conns amount {$19000.00} Account opened in XXXX. 

I did not open or apply for credit with Conns in XXXX. 
Explained this is not my account or my doing. 

Credit report was UPDATED to Closed Written off in XX/XX/XXXX. 

No one with Conns company will help clear this matter
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Over the last 7 years I have paid American Education Services upwards of {$29000.00} [ proof attached ], and only {$6800.00} of that money has gone to the principal balance. On top of that, I've paid XXXX   upwards of {$22000.00} and my principal balance has only gone down by about {$2000.00}.

I have called American Education Services MANY times over the years. Just last night, they told me that they are just " servicing '' my loan. And that in order for me to speak with my lender - XXXX XXXX XXXX, I need to write the company a letter ... which American Education Services will send over on my behalf. AES refuses to connect me directly to XXXX XXXX XXXX to allow me to discuss the exorbitant amounts I'm paying -- which are not being applied properly. This feels like a complete scam. There's no reason why they shouldn't let me speak to XXXX XXXX XXXX  on my own.

This is an absolute injustice. I've been DROWNING for the last seven years and working so hard to pay off these loans, and I am seeing no movement. I'm hoping that the actions I continue to take will help bring to light how awful and abusive these companies are. It's completely unfair that these big companies can get away with overcharging young adults who are simply looking to improve their lives by attaining an education.
Complaint sub-issue: Debt was paid

XX/XX/19 XXXX - Omega RMS calls me informing me of a debt from XXXX with XXXX XXXX 

XX/XX/19 XXXX - I call XXXX XXXX. They say they have no outstanding debts with me and have never heard of Omega RMS and do not use a collection service. 

XX/XX/19 XXXX - I repeatedly call Omega RMS trying to explain they have the wrong information regarding this debt. Twice they hang up on me. We never get the situation resolved.
Complaint sub-issue: Information is not mine

I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These fraudulent inquiries are being reported to consumer report with my authorization. These have been fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

This company AVANTE was placed on my credit report and i was miffed to see that they just showed up on my consumer report recently. I have never heard of this company nor have I done any contractual business in any way shape or form. I've sent two certifed letters requesting a true and accurate investigation to verify this alleged debt was furnished legitimately that i supposedly owe and to no avail was left with no response.

I never received a letter within 5 days of me disputing the validity of this alleged debt. I want this account closed in your office and permanently removed from my transunion consumer profile and not sold per my cosumer rights and fcra guidelines.
Complaint sub-issue: Account status incorrect

Only address should be on file XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Legal name : XXXX XXXX I am in dispute of all accounts showing Delinquent or charged-off, late pay on closed accounts, alerts on report with no basis, such as an account. 
3rd party accounts showing active And delinquent, no certified contract proving relationship..to validate the accounts please provide certified copy of original contract.. No other document will properly verify alleged debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Fraudulent charges were made to our card and a new card is being issued. Our current card is now cancelled but the card won't arrive for 2 days. We have purchases we need to make on our credit card tomorrow but we now have no way of making them. We asked to have the new card overnighted but were told that is not an option. We also asked if we could be provided with the new card number through a secure method of communication but were also told no.
Complaint sub-issue: Information belongs to someone else

I submitted a dispute through the Consumer Financial Protection Bureau to Equifax this past Friday stipulating that two accounts from XXXX aren't mine. 

I can't believe they are already saying they have verified the accounts. They have clearly violated the Fair Credit Reporting Act. Can you investigate the process of the verification of those accounts on behalf? 

Also, can you investigate the inquiry from XXXX  XX/XX/2019? 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Complaint sub-issue: Can't use card to make purchases

I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use it
Complaint sub-issue: Can't get other flexible options for repaying your loan

As of XX/XX/2017, I am paying 44 % of my post-tax income to servicing my student loan debt. This figure balloons to 90 % after calculating my living expenses. My private student loan payments are {$1000.00} per month. I am an XXXX, making a decent salary, but this burden is unsustainable. I am often unable to afford basic living expenses, such as a haircut or money for laundry, because of these monthly payments. My loan holders, XXXX and XXXX XXXX, have not offered any options that are feasible ( even offering a $ XXXX monthly  reduction for six months and then increasing the payment for the following 6 months by {$70.00} ). My only option is to refinance, but I find myself in a catch-22 : I need to lower my student loan payments to reduce my credit card debt ( which I incurred as a result of having to use the cards to pay for groceries, public transit charges, and other basic necessities due to the high student loan payments ) in order to pay off the debt so that I can increase my credit score to qualify for a refi, so that I can-you guessed it-reduce my student loan payments. My cosigner is my now-XXXX year old grandmother who lives on a fixed income. I am at the end of my rope, and have nothing but a bleak outlook for the foreseeable future unless I can find some sustainable relief on these loans.