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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Complaint sub-issue: Debt is not yours

Debtor texted me at XXXX and hung up on me when I asked them not to contact me again. I have never had a loan or any business with this company. They are harassing me about someone elses loan.
Complaint sub-issue: Account status incorrect

I need Equifax to remove the delinquency status of a creditor XXXX from my report based on the attached letter from the creditor of which they have a copy.
Complaint sub-issue: Was not notified of investigation status or results

Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.
Complaint sub-issue: Information belongs to someone else

Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Stafford Group XXXX  XXXX is trying to turn an old debt into new debt that has already been filed in Ch XXXX case # XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. 
OnXX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Public record information inaccurate

XXXX IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY EQUIFAX IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax HAS NOT FIXED THIS FALSE INFORMATION!!!!!!!!!! I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equifax obviously never investigated it because it would have been removed had they done their due diligence? I am XXXX years old and I can assure you that I never applied for a student loan through this company or any other company for that matter. I can also tell you that I haven't been to college so why would I need a student loan?
Complaint sub-issue: Didn't receive advertised or promotional terms

Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.
Complaint sub-issue: Need information about your loan balance or loan terms

Fed Loan Servicing received documentation on XX/XX/22 for XXXX application employment qualification. Fed Loan Servicing responded with incomplete answer and did not review the material properly. This same employer has been qualified in prior attempts. Employer directly reached out to Fed Loan Servicing on XX/XX/22. They stated that there we " working on it. '' This same exact process ensued last year and required CFPB intervention for the matter to reach resolution. Their delays have had significant financial implications.
Complaint sub-issue: Talked to a third party about my debt

I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : XXXX XXXX XXXX Debt Collector : Enerson Law, LLC Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/XXXX, I filled out a Smart Option Student Loan application with Sallie Mae to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to  e-sign your application. '' ******on XX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXXXXXX XXXX  XXXX XXXX Thanks for choosing Sallie Mae Bank and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from Sallie Mae removed from my credit report, please.
Complaint sub-issue: Non-sufficient funds and associated fees

I have had Citi bank and have had no problems with them up until now on XX/XX/23 I made a deposit of {$4300.00} into my savings account via mobile check deposit. This check was from a XXXX which I have made multiple deposits from that same XXXX and the bank its associated with multiple times. Citi bank cleared my check on XX/XX/23 I went to the ATM pulled out {$290.00} ( plus a {$3.00} withdraw fee ) and then transferred {$300.00} into my other account through a different bank. A few ours later I went online to move money to my checking account which was - {$69.00} ( due to me losing my job and these funds were the only funds I have/had to make ends meet ) now to my surprise it would not let me log in online. I called and the customer support stated they had to transfer me to fraud, now the lady who answered the first phone call was very rude and told me I made a fake check and deposited it and they froze my account and going to close it since I attempted frauds and theyll send my funds to me in a check for in XXXX days! I told her what how was that a fake check its from XXXX XXXX from my XXXX, I told her I wanted to speak to a XXXX and then when I was transferred I was hung up on. I called back talked to another lady she called XXXX XXXX verified the check was legitimate and emailed the back office in an urgent email that the check was real and to in freeze my account. The next morning when I called I spoke to a lady and she said they are closing my account there is nothing I can do about it but wait for my funds and that they did this because my checking account was negative, I told her I had over {$4000.00} in my savings they could have asked me to move the money over to my checking account if it was going to cause all of these problems I told her I wanted to speak to someone higher she got me with a supervisor and he told me they will not release my funds and Ill have to wait when ever they can get to it to send my funds to me I told him Ive been told different answers on why they did this he said youll receive a letter I cant tell you why then I told him I wanted to speak to someone higher up and he began to say they are too busy and cant talk they will call back, I have not received any call backs from anyone and at this point they had no reason to freeze my account all I want is to have my money and they can have the {$69.00} to make the checking account {$0.00}.
Complaint sub-issue: Company closed your account

I received a letter from Citi on XX/XX/XXXX, asking for additional information to update Citi 's records. I called the contact number XXXX the next day. They asked me some personal information and I gave them all the information that day. Then on XX/XX/XXXX I received the same letter and because I had given the info earlier I did not respond to the second letter, I thought that they had the info from my phone conversation. Then on XX/XX/XXXX they blocked my checking account. I went into the local Citibank and spoke with XXXX XXXX who was an account manager. I then told her that my account was blocked and she called the office that handled the problem. She asked them why they blocked the account and she was told that I had to give them additional info so that they might undo the block. She asked me a lot of questions about my past job and who I worked for and when I retired and how much money I earned then, and other items for their records. She filled out the paper work and sent it to them on her computer, so they got it instantly. XXXX told me that it would be 4 to 5 day 's before they could unblock my account after they review my info. About a week later I called her and she then told me that they needed additional info about my wife and her jobs and pay. I gave them the info and they again told me that it would take four or five days to review the info. Then on XX/XX/XXXX I called again and they asked me for more info, I sent in the new info on e-mail. I then called on the XXXX and they told me they did not receive the e-mail. I then wrote another E-mail with the new Info on it and sent it in with the E-mail from the day before that they said they did not receive it. I called again a few day 's later and the girl said that the person reviewing the information was working on it and it should be another 72 hours. I don't know how this information could be so important as to put a hold on a persons checking account I have been a customer of Citibank the day after we got married XX/XX/XXXX. I have not done anything wrong and they are treating me like a criminal. My name is XXXX XXXX, I live at XXXX XXXXXXXX XXXX in XXXX XXXX, Fl. XXXX. Please help me I am XXXX years young and should not be treated this way. Reference # XXXX.
Complaint sub-issue: Account status incorrect

For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below.. 

XXXX XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. 

US Dept. of Education Account number : XXXX There are different monthly payments across the XXXX credit bureaus. Equifax monthly payment states {$470.00}. XXXX and XXXX states {$0.00}. 

XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX  date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX.
Complaint sub-issue: Public record information inaccurate

This is the 2nd official complaint against XX/XX/XXXX regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX. Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XX/XX/XXXX is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XX/XX/XXXX- XX/XX/XXXX
Complaint sub-issue: Account status incorrect

The credit card company / Bank did not process my payment correctly and now it shows up on my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted all three credit bureaus XX/XX/XXXX to have XXXX  XXXX   removed from my credit report due to me not having a contract. XXXX  removed this creditor from my credit report XX/XX/XXXX. However XXXX  XXXX  is showing up on XXXX  and Equifax. I have disputed this with a 2nd letter to XXXX and Equifax on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and Equifax and XXXX  still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my equifax and XXXX  credit report. Since this company is denying that they are not the company that is reporting Im asking XXXX and Equifax to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My XXXX app says my score is XXXX. I go to a dealer, who runs a score through Credco, and they send my score back as XXXX through XXXX. I go online and get my XXXX score from them at XXXX, AFTER the dealer ran 4 scores ( I told them 1 or 2 max ) I called Credco to find out the discrepancy. She says they use a FICO score 5 and that's sometimes harder. Sends me to XXXX, I paid {$35.00} or so to see my XXXX report there and it STILL says a score 5 is either XXXX XXXX. I understand that different types of loans look at different things to decide whether or not to lend you money, but if they are telling you to go here and use this score number and it isn't what they sent, something is wrong. It cost me a few extra hard hits on my credit and a couple of percentage points in interest! Plus the {$35.00} to still be confused!!!
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.