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 {$2000.00}, {$0.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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.

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.
Complaint sub-issue: Debt is not mine

I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.
Complaint sub-issue: Don't agree with the fees charged

The loan started on XX/XX/2016 for {$15000.00} to attend college with an original interest amt. of 6.75 %. I have always maintained that I chose a fixed rate but of course they say it is a variable. I am way ahead in paying the loan off. However the closer I get the higher the interest rate goes, currently 8.125. I have called them multiple times, I have let them know I have decent credit and my cosigner has excellent credit but they tell me if I don't like it go get a loan from another institution. it is like they are going to get the original amount of money if I had stuck with their payment plan.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Have spent hours literally on the phone and try by email and website to fix error on my report - get a different song and dance every time
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Balance Owed : {$0.00} ERC XXXXXXXX Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Account status incorrect

I recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
Complaint sub-issue: Information belongs to someone else

In XXXX i applied for a XXXX XXXX credit card i was approved for XXXX limit so upon waiting for my card to arrive i never receive my credit card after some time has gone by i contacted XXXX XXXX letting them know i didn't receive my card they said they will cancel it and send me out a new card, now we are in XXXX i never received the new card i contacted chase regarding the new card they sent me that it never arrived they then at that point me told me the account has been canceled because there is a {$6000.00} limit on the original card that i ever received and not 1 time did chase let me know that someone activated the previous card so therefore i filed an identity theft report and sent it to chase i also have an ongoing lawsuit against chase for trying to make me responsible for a debt and card that isn't mines and now Equifax  is reporting a fraudulent account on my report which i need this account removed permanently from my credit report or i will file a lawsuit against equifax
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2019, I was denied a credit card for XXXX visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with Equifax, the agency used to look at my credit. 

The report from Equifax has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( XXXX ), which is the same bank that XXXX does their banking. This information was not sent to Equifax.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

U.S. Bank is harassing me, calling me after I obtained an attorney, the attorney sent U.S. Bank a letter, and more than XXXX U.S. Bank representative said I committed fraud. 

They are now calling claiming ignorance, saying sorry we just need your address and they know nothing of what is happening. 

I have also filed a complaint and asked for an investigation with the State 's Attorney Office, the SEC, and my insurance company. 

These people at U.S. Bank are abusing their power with my banking details, referencing transactions in my personal account, and threating me with jail and investigations. I want the phone calls to stop immediately. 

They have also deleted and or froze several of my accounts and even renamed XXXX account to a XXXX. I have the original statements that do not have the XXXX designation. They are altering banking documents!
Complaint sub-issue: Attempted to collect wrong amount

It has come to my attention the Retail Installment Agreement that I was given from XXXX  XXXX have violated me a few ways on XXXX XXXX. I have been reading the Truth and Lending Act and it states the finance charges which is sum of all charges which is the {$52000.00} I was giving the impression that I had to pay a down payment of {$6000.00} in order to drive off the lot from the saleswoman XXXX XXXX, which states in 15 usc1605 that a I'm not supposed to provide cash and credit in the same transaction. Per my contract as the debtor I'm now asserting my rights. 16CFR 433.2 I was given a false deceptive from that I wasn't able to rescind my contract when in fact its states ANY HOLDER OF THIS CONSUMER CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was not given proper disclosures as to all insurance options available at the time of purchase. As per 15 USC 1632 ( a ) I'm aware that a finance charge shall be disclosed more conspicuously than other terms data or information provided in connection with a transaction, except information relating to the identity of the creditor should not vary from the actual finance charge by more than {$100.00}. I wasn't given my instrument when I left the auto dealer. My personal information was sold to Flagship Acceptance now my privacy has been exposed to financial institution that is sending statements to me asking for money, the law says I did consumer credit transaction with XXXX XXXXXXXX pursuant 16CFR 433.1 and I didnt purchase money loan because my account number/ credit card was given and I down payment {$6000.00}. This account is paid and in full. i want to exercise my right to a rescission. I want to revoke my credit transaction and revoke the security interest and the revoke the dealership. I wrote Flagship and they told me to go back to XXXX XXXX. I want to revoke the security interest, dealership, the transaction with the finance company as per 12 CFR 226.23
Complaint sub-issue: Information is not mine

I had myself removed from my husband 's account as an authorized user. I received a letter in XX/XX/XXXX from XXXX XXXX stating that they would notify all XXXX credit bureaus which they did. XXXX and XXXX deleted the information but Equifax told me that I had to file another dispute. When I did they came back and said that it was verified even though I have proof that I was removed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX / XXXX / ( XXXX ) XXXX Citi card # XXXX XXXX XXXX XXXX Dollar amount : {$1800.00} Description of problem : On XX/XX/XXXX I had 5 charges made to my credit card ( XXXX ) that I did not make. A claim ( Citi card Fraud division ) was filed on those charges. 
I had Citi card cancel the card ( XXXX ) and a replacement was requested ( XXXX ). 
On my statement dated XX/XX/XXXX Citi removed all the charges ( Security Credit- Item Under Investigation ). 
On my statement dated XX/XX/XXXX security credit reversed the charge of {$1800.00} -XXXX. 
Since I did not make or authorize this charge, I am requesting {$1800.00} be removed from my account. 
Also, the interest charge incurred because of the {$1800.00} charge be removed from my accounts. 
All the charges were made in California and both XXXX charges were made on the same date and at the same store. 
Since XX/XX/XXXX I have made several calls to the fraud department to resolve the problem ( {$1800.00} ) to no avail. 
All the while for the last 3 months my interest charge has increased because of the incorrect charge. 
The Electronic Funds Transfer Act ( EFTA ) protects checking accounts and debit cards from unauthorized charges. 
The Truth in Lending Act ( TILA ) protects credit cards from unauthorized charges This problem needs to get corrected. 

XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Complaint sub-issue: Information belongs to someone else

FRAUDULENT ACCOUNTS!! from identity theft!!!!! 

1. XXXX  XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXXXXXX Account Number XXXX 3. DEPT OF ED/XXXX  Account number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX  Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. 

REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX. XXXX XXXX HAS ALREADY DELETED AND REMOVED THESE ACCOUNTS!!!!! THESE ACCOUNTS SHOULD NOT BE REPORTING TO MY CREDIT REPORT!!!!! IDENTITTY THEFT!!! BLOCK AND REMOVE!!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

After living in this apartment for 12 years, we were sent a letter asking us to move due to remodel ( see pg 1 ). We were never given the option of a walk through to identify anything that we could correct before having it deducted from our deposit of {$700.00}. Landlord conducted a walk through after new tenants had been living in unit He has kept our entire deposit plus asked us to pay another {$900.00}. He has called us liars and insulted our intelligence as you can see in his email. we asked to see receipts but were denied. except for the one for carpet. He wanted us to pay for carpet but pg. 8 of the lease states we can not be charged for carpet after so many years, so instead he is charging us for the recycling of old carpet and padding and installation of the new carpet this is how he has worked his way around it. He claims we damaged appliances and that they werent clean enough, this is after 12 years of use, they are going to have wear, plus they are the same appliances that were left for the new tenants, so they couldnt have been too damaged. he would not produce a receipt for the extra cleaning. We received a letter on XX/XX/XXXX stating we had 10 days to pay or we would be turned over to collections, on XX/XX/XXXX we received a statement from a collection agency. we had just moved out on XX/XX/XXXX. we are being charged twice for utilities, and late for supposedly over 10 mos. ago. He has ruined our hard earned credit standing, it dropped 40 points. which he had threatened to do to make it difficult for us to find a new place to live Please see his email to us dated XX/XX/XXXX, very intimidating and threatening. We tried mediation, but we received very little cooperation. I am willing to pay {$75.00} each for 3 closet doors, since he will not get us receipt i think that is fair. The handle on the refrigerator was missing when we received it. it had come from another apartment that way, it was replacing the one we had because it was broken when we moved it. I feel I am entitled to my deposit minus the {$220.00} for closet doors, I expect him to correct what he has done to our credit and be held monetarily responsible. We have worked hard to keep our credit in good standing, he had no right to damage it for his satisfaction. I would really appreciate your help on this matter. we have been denied what should have been rightfully by law offered to us, our credit is ruined, and he has kept our funds.
Complaint sub-issue: Problem with statement of dispute

Invoice # XXXX from XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
Complaint sub-issue: Other problem

Discover card has been harassing me multiple times every day and night, early and late, 24/7 insisting I call back. They call on both my cell phone and landline. I have never provided my private landline number to Discover and this is an invasion of my privacy. When I block one of their XXXX numbers, they switch to another XXXX number and continue calling repeatedly. 
I called back today XX/XX/18 and was informed that I could take advantage of some sort of automatic debit program if I was late making payments. As far as I know, I have not been late in making a payment. The calls are harassing. 
In addition, Discover repeatedly contacted me to transfer a balance from another credit account and when I did, Discover reduced my credit limit for absolutely no reason. 
These are misrepresentations, harassment and the Discover company needs to be reined into proper business practices. 
Thank you. 
XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

This was a case of fraud that was committed in the XXXX, TX Office Depot, according to the receipts from my online account. ( I am in XXXX, AZ. ) The problem is, I had no idea when the fraud occurred until much later because I rarely used this Office Depot Business credit card. I certainly do not lend it out, and it was never lost or stolen. I had no reason to check my account to see what I owed, but I suddenly got a " bill due '' email and to my shock it was for over {$600.00}! 
I have been going around in circles with Office Depot which allowed someone to use my card number 3 times in one day to purchase pens and what looks to be 3  {$200.00} gift cards in XXXX different orders on the same day. ( They say " Mastercard {$200.00} Item #  XXXX ''. I tried looking this item up on their website, and it says, " Item is Currently Not Available ''. ) Why wasn't the employee that rung these up just a little bit suspicious? An out-of-state account, either just a number or a fake card, I don't understand how this was even rung up. I had my card the whole time, so they couldn't have had the real one!

Office Depot canceled my old card but wouldn't do anything because I didn't report it in a timely manner. They kept sending me emails of owing this $ XXXX   bill on the old canceled card. I called yet again, and they apparently had closed the case since I didn't respond in time. ( Another problem was we just moved and the address changed! ) They said they  would reopen the case, and I should report it with local police where it happened. I am in XXXX, AZ and the fraud occurred in Texas, so I filed an online report with the XXXX police where it happened. The Office Depot Credit Card people also said I should send my info to the credit bureaus and the FTC, so that is what I am doing.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

AFNI XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX The above entity has fraudulently made claims that an old cable utility account ( XXXX XXXX ) is only 1 year and 3 months of age and therefore derrogatory. The account was opened and closed 8 years ago and has passed the statue of limitations. This is the second time this company has attempted to illegally collect on this debt and fraudulently report an incorrect age of the account in an attempt to extort money and damage my credit rating. Also, I have received no written notification and none of my attempts to contact the company have been successful. Neither calls nor written letters have been returned. I only discovered this report when I noticed my credit score sliding through a banking application.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at XXXX XXXX and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.