Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Equifax absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Accounts Listed Below need to be deleted from my credit file : XXXX XXXX XXXX XXXX - ( Collecting for XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX : Identity Theft Report Copy of Credit Report Police Report for ID Theft
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Complaint sub-issue: Frequent or repeated calls

I had a charge with Discover card which Discover card kept repeating charge a $ XXXX fees every month even it is not 30 days grace period billing cycle just like other credit cards that I have plus very high interest rate that i requested them to reduce but they denied. Discover Card has been abused my credit profile and trying to make money on me by keep adding late fees even they had called me on the phone and agreed and accepted the last payment {$200.00} even the balance around {$400.00} and they did not keep the agreement not to charge me the late fees meanwhile after the payment discover charged again late fees {$40.00} which they have been abused to make money on me and they had challenged me to get help from FTC or anyone else.
Complaint sub-issue: Problem with rewards from credit card

I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.
Complaint sub-issue: Was not notified of investigation status or results

I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Complaint sub-issue: Trouble with how payments are being handled

Sallie Mae 's system does not allow the home address of the debtor to be different than the address associated with the debit card of the debtor. I have a P.O. box used for my debit card. This difference flagged my payment as I fraud and denied it. I could not figure out what was wrong and kept trying to pay but it kept not working. This caused me to appear late on my loan payments for 90 days and really messed up my credit. The payment is question was {$25.00} a month as I am still in school. My credit is damaged because of {$25.00}. The student loan is the first thing on my credit as I am still in school and now my score is low. I was on the phone was Sallie Mae for a few hours and got this all sorted but it seems like a fairly common thing to have different addresses ( especially for university students ) and should be fixed. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Report provided to employer without your written authorization

Hello, On XX/XX/2019, I went to the XXXX XXXX office in XXXX, MA. The reason I was going there was to figure out the plan changes on my line. Before figuring out what was happening, the person who helped me put me on a new plan and ran a hard inquiry on my credit report. I was not informed about an inquiry and I explicitly told the person that I have no consents for any credit checks. The person assured me that since I am with XXXX, there will be no credit checks. In the end, I received an email from XXXX that XXXX put a hard inquiry to my credit report via Equifax. I disputed to this inquiry through Equifax since I did not authorize this procedure. After these I asked the person to undo what he has done but he said it is too late. XXXX sent me a receipt via email for my plan change. I have not seen any receipt in the store so my sign is missing in the receipt. I have not authorized a single operation in that store. Yet, they put me in a plan, they ran credit checks on me. On the other hand, I called XXXX XXXX to file complaint about the poor customer service I received. I requested from XXXX that if they could also dispute or undo this unauthorized credit check. I was told that it is impossible by XXXX. After this, I switched from XXXX to XXXX by XXXX same day because of this issue. I'd like XXXX to dispute any kind of hard inquiries to any credit companies on XX/XX/2019.
Complaint sub-issue: Information belongs to someone else

I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.
Complaint sub-issue: Debt was paid

This is to inform the CFPB that as a consumer I have the power to delete Any information that is inaccurate on my consumer credit report. as a member of the United State Corporation the company XXXX XXXX XXXX Has violated my personal Private information, I have Create it a PDF file I will share that PDF file with the CFPB, and you can share that file with XXXX XXXX acceptance I am requesting the CFPB to do a proper verification in regarding the violation Of XXXX XXXX contract I have been disputing this account for two years now and the information comes back verifiable I have asked XXXX XXXX acceptance to delete the information posted illegally on my consumer credit report. XXXX XXXX need to provide me with verification of my permissible purpose Verification Signature. I did not give XXXX XXXX permission to post this information on my credit report I have also in the past try to settle this Dispute with XXXX XXXX acceptance. Which is not leading to any agreement in this contract. I have a PDF file that I am providing to the CFPB with an explanation of the violations XXXX XXXX has taken. that are violating my rights as a member of the United State corporation is unacceptable, I do not want to Conduct Any business with this company anymore. The company XXXX XXXX acceptance Motive Is to damage the United States Corporation and the banking system. XXXX XXXX does not understand the truth in Lending Act. XXXX XXXX does not understand that this account has been paid in full since the day This account XXXX XXXX fault. I have also asked XXXX XXXX to provide me with 12 CFR XXXX  followed by XXXX In the process of the two years disputing this account, I have asked XXXX XXXX to provide me with those documents. Until the present day, XXXX XXXX has not provided me with the 12 CFR documentation that I as a consumer has requested by law.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I've been trying to get pre-approved for a mortgage. 
My lenders can pull all the credit bureaus other than Equifax. 
I have also try several paying services to review my credit with all the major agencies. I was succesful with all of them but Equfax. 
I called Equifax 8 times in 3 days. I spoke with customer service, supervisors and fraud department. Every time it's a different story. In the end everything seems fine on their end. 

I have submitted several times copies of my driver license, social security card and bank statement as a proof of address. 

I have spent almost {$200.00} to get my equifax credit report. Everytime I get something from them it shows as blank. Like I have no balances. 

I have no idea where to go after this. This is making impossible for me to buy a house.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX XXXX bankruptcy should be removed according to federal law from all credit reporting agencies lexis nexus, XXXX XXXX XXXX XXXX  Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this lexis nexus XXXX XXXX and XXXX. I would like them removed or i will take legal action.
Complaint sub-issue: Threatened to sue you for very old debt

I was contacted with a voicemail informing me that I was going to be served papers between 3 and 5 the next day, that I needed to have photo ID and my supervisor would need to be present. This call came from a private number and a caller identifying herself as XXXX XXXX ( I have the voicemail recorded ). 

She gave me the number of XXXX XXXX, at XXXX. I contacted him and was told they were trying to collect a debt from 2007 ( 11 years ago ) from USBank.  Unfortunately, I fell for the tactic, gave my debit card and they immediately charged {$650.00}, and had a payment plan for 13 charges of {$120.00} for a total of {$2300.00}. 

During the call, I asked if I could speak to counsel and call them back. XXXX indicated that I had signed a contract with USBank that I had a single attempt at resolution. If I disconnected the call, they would send my information " back to the county '' and heavily implied that I would be asked to appear in court before a judge, and that the client would seek triple the amount ( {$6900.00} ). 

I have a copy of the PDF they sent acknowledging my payment plan, coming from an email address XXXX. 

I made a second call to XXXX, and indicated that I suspected they were guilty of fraudulent activity. This prompted XXXX to put on his " Director of Operations ''  whose name I can not recall. This resulted in him vaguely insulting me, asking personal questions about my work and whether I created websites for scam companies. He also claimed I sounded just like the " IT guy [ he ] just fired. '' Eventually, I terminated the call after he said he would reverse the charges, and send my information " back to the county '' (  when I asked he said XXXX, and when I said the neither the account I had with USBank nor USBank reside in XXXX county, he said he could send it to any county ) and that I could continue my case before a judge, being very careful this time not to imply that it would be someone suing me, which had been the case before. 

I have attached the voicemail and PDF
Complaint sub-issue: Account status incorrect

Dear CFPB, I tried to fix an abusive and incorrect information that Equifax and XXXX  XXXX XXXX is reporting the account ending in XXXX XXXXXXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On Equifax I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ -XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter XXXX by Court of Law on XX/XX/XXXX? I never heard about that some/ or an institution to be above Law? 

The Equifax updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Equifax info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XX/XX/XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!
Complaint sub-issue: Trouble getting a working replacement card

I recieved a US bank relicard approx 1yr and half ago when I got laid off my job, however the card was never used because I got a job very quickly, so the card was just dormant and had no funds on it. Then 8 mons ago I decided to shredded the card not thinking i would ever need it again. Then corona hit and now I am laid off, I opened a new unemployment claim and requested my funds be sent direct deposit into my checking account. Some of the funds were placed direct deposit and then I find out the other funds where placed on that card. I called unemployment they will not send me another card and told me to request on from U S Bank and gave me the number. Well what a joke I have now been on hold with U S Bank for 13hrs and no answer just music and sometimes just dead space. This is so so crazy will this is not right to keep people on hold and I dont know how I am ever going to get my money.
Complaint sub-issue: Debt was result of identity theft

Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with XXXX XXXX  and LJ Ross Associates to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with XXXX XXXX. The address, phone numbers and emails that XXXX had on file did not match with any of my personal information.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, LoanCare Servicing Center Posted to XXXX  Adverse and Derogatory Information regarding my Mortgage Account XXXX. 

Specifically, it is noted that the account experienced a Maximum Delinquency of 60 Days or greater. 

This is false and incorrect reporting! 

Note : The inception date of this Mortgage Account was on or about XX/XX/XXXX and closed/sold/transferred on XX/XX/XXXX. 

Accordingly, I only had five ( 5 ) Mortgage Payments due to LoanCare Servicing Center over that period of time noted. ALL Mortgage Payments were made and posted On TIME! 

Please reference attached Mortgage Statements which indicate clearly ALL Payments were made and posted to my account as stated herein.
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX a deposit amount from my employer was sent to the PNC bank using a generic routing number that is PNC owned. The funds were never deposited into the account. The funds are holding due to the routing number not being correct. I was told I would have to wait for the funds to be rejected in order to have the funds deposited into my account. I was also told that the funds could be moved by the ACH department immediately. Upon speaking with them, I was told it could not be done. If the account information is correct the routing number was PNC owned why were my funds not sent to the account. I was told per XXXX and XXXX that they were behind in there work and I would simply need to wait. That is not my problem they are short staffed or behind why tell a 10 year customer that.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}
Complaint sub-issue: Was not notified of investigation status or results

I have sent three letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX and one on XX/XX/XXXX and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those accounts? 


I have also provided my most recent letter along with the tracking number that proves it arrived to Equifax XX/XX/XXXX. 
Account Name : XXXX XXXX Account Number :XXXX
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 {$120.00}, {$11000.00}. 
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 ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Complaint sub-issue: Information is not mine

I have requested validation and verification of this debt and nothing was sent as far as actual debt history and detailed bill transactions. Only says debt verified but nothing was sent to me as far as actual debt and signature or any proof I have never had a XXXX card
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. please see enclosed documentation.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Complaint sub-issue: Information belongs to someone else

Equifax, has an address on my account that is not mine and never been mine or anyone in my family .... XXXX XXXX XXXX , Ga. XXXX