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

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Complaint sub-issue: Threatened or suggested your credit would be damaged

EOS CCA According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EOS CCA they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a XXXX XXXX  unfortunately they have not done so. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) if they have it on file for the alleged account. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, they must remove the accounts and stop reporting them immediately.
Complaint sub-issue: Old information reappears or never goes away

I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak XXXX the ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX
Complaint sub-issue: Public record

I am requesting to validate/verify the accounts below. 
Please delete any accounts below that can not be validated/verified. 
JUDGEMENT XXXX o XXXX AND XXXX XXXX o XXXX/XXXX/2009
Complaint sub-issue: Information belongs to someone else

Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

Account XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

I had charges on my bank debit card starting on XX/XX/2019 for a 5 day hotel stay that turned into a nightmare and fraud. I stayed only one night and have trying for months to get ahold of US bank to get the charges removed. They removed them initially then out them back on because my paperwork wasn't received in time. I have been contacting them for at least 2 months to resend the paperwork. Someone finally called me saying there is nothing they can do .unbelievable for a public bank. I even go into the public branches and they seem clueless how to help me get the form. In my opinion this is fraud. I get hung up on when I call their customer service or transferred to the wrong person.
Complaint sub-issue: Debt is not yours

Debt was sold to a collection  Agency  and is not mine nor accurate ... ..
Complaint sub-issue: Can't get other flexible options for repaying your loan

Private Lender Keybank made 4 XXXX XXXX private loans from XXXX thru XXXX. I made payments timely payments for 18 years until becoming unemployed and requested forbearance and deferments through XXXX XXXX XXXX ( loan servicer ). XXXX denied the request and referred the matter to the original lender Keybank after 6 missed payments. Keybank refused to grant temporary deferment or forbearance and charged off all 4 loans.

Keybank and their collection agency ( XXXX  ) in the attachments provided, sent further collection letters to another employer and this caused my employer to terminate the employment in XX/XX/XXXX. 

Now I am offered terrific new employment, however, the negative credit reporting is delaying my employment start date of XX/XX/XXXX.
Complaint sub-issue: Called before 8am or after 9pm

I previously authorized XXXX to withdraw a payment for account from my Checking account. Instead the company attempted to withdraw the Money from my Savings. They were previously informed that the account numbers for my checking account and my savings account were the same so they had to be sure to withdraw from my checking account rather than my Savings. Thereafter, several attempts were made to withdraw funds from my savings account. The first attempt there were insufficient funds in the account. Rather than send an email or call XXXX 's proceeded to make multiple attempts to withdraw the funds resulting in over {$88.00} in fees with my bank. Had the company attempted to withdraw the money from my Checking account only one attempt would have been necessary for them to receive payment.

On Friday XX/XX/2018 I reached out to XXXX 's to attempt to rectify the situation. I stated that I was currently working in Washington D.C for a legal clerkship and would be willing to make a payment. However, I requested that XXXX 's refund the excess fees that I inquired to my account as a result of the unauthorized multiple attempt that they made to withdraw money from my savings account. I was forwarded to a supervisor that stated she would call me back on Saturday. I missed the call on Saturday but no contact information was left for the manager so that I could follow up. 


On Monday XX/XX/2018 I received multiple calls from XXXX 's while I was at work which disrupted my work day. The calls were XXXX 's attempt to collect the debt which was discussed on XX/XX/2018. An additional call was made to me by XXXX at XXXX while I was sleeping. I informed the representative on the phone that it was currently XXXX in my current time zone and they were not allowed to call at that time. The agent insisted that XXXX XXXX was allowed to call until XXXX. I stated that they were not allowed to call that late and informed the representative that I was hanging up because I was trying to sleep. However, having my sleep disrupted I decided to call XXXX 's back and informed the new customer representative about what transpired he informed me that the call was made through an automated dialer and that XXXX 's could not control the Dialer. 

I informed the agent that regardless of whether the call was made using an automated dialer it was placed after XXXX and one of the companies agents ( whom was a live person ) asserted that they were allowed to call until XXXX. I asked to speak with a supervisor. The agent did not want to transfer the call and insisted on reiterating what he'd already said. Upon my insistence I finally transferred to a supervisor and I informed the supervisor that the call being placed after XXXX was a violation of the Federal Consumer Credit Protection Act and that I would be lodging formal complaints and would possibly pursue legal action. 

Phone records can be provided upon request.
Complaint sub-issue: Reporting company used your report improperly

I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXX.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX : XXXX XXXX XXXX has or obtain and committed fraud by running or running an Inquiries with out my consent as on XX/XX/18 on my Equifax report with out my permission as well I have not ask or requested any credit from this company or sign any document to obtain credit.I 'm also filing with the department of justice on XXXX XXXX : XXXX XXXX XXXX and Equifax with the department of justice to why my credit is effeted by Equifax/XXXX XXXX : XXXX XXXX XXXX Will also be filing a law suit on this company and Equifax for fraud
Complaint sub-issue: Personal information incorrect

I submitted a complaint online with Equifax and received an email telling me the dispute was resolved and to check my results. I tried checking results online and the system keeps telling me my information is incorrect and won't let me access my results. I then tried their automated phone system which asked me for my 10 digit confirmation number. Each time I entered it CAREFULLY it told me it wasn't 10 digits - it WAS!. I then called and was asked about 7 security questions, giving them exact info off my various statements and they would tell me my info was incorrect - even though I was reading it directly off the statements. Finally pass this test and they tell me that the address on my utility bill I submitted matched what was on file for my address and the woman even read what was in the file - how do I get through to these people who are clearly working in another country that my address, although it has one part of it that has the same name as the address on file, is not the same as the one on file. The address on file is 2 miles away, I have never lived there, and I get mail delivery problems all the time  because it is a similar address, but it is NOT my address nor has it ever been my address.
Complaint sub-issue: Didn't receive enough information to verify debt

JEFFERSON CAPITAL SYST Has not sent me any documents with my signature verifying This debt is mines I don't who this company is and why it has reage the account and trying to collect a debt that they are not authorized to collect
Complaint sub-issue: Investigation took more than 30 days

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXXXXXX DPT ED/XXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I cant afford to pay back all of the debt at once. They call me EVERY SINGLE DAY! I tried to deposit cash into their atm to pay back {$100.00} & it said it would not accept cash at this time. I have tried twice now. Which I am sure they have record and surveillance of. They will not stop contacting me its basically harassment at this point I have screenshots of missed calls and also voicemails.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.
Complaint sub-issue: Account information incorrect

My credit report shows that I owe Citibank {$700.00} and they closed the account. When i called customer service, several times, the representatives each said that I did not have nor have had and account and that I am not shown on any account. I was told that I should file a complaint with the credit bureaus involved. 
I filed complaints with XXXX bureaus and each determined that I had an unpaid balance of {$700.00} and the account was written off and closed. 
I had cosigned with my daughter-in-law for a card many years ago. She had removed my name and gotten a new card. My name is not on any card that is delinquent and closed. I have no idea were the company is finding my name associated with a card. 
My credit score took over a XXXX point dive due to this. I always pay my bills on time. Associates with Citibank have no idea why my name is on a card when there is no record of it. I don't even know the card or account number. I don't own it.
Complaint sub-issue: Need information about my balance/terms

My loan was in default and my wages have been garnished for totaling per month XXXX for the last 32 months. I have repeatedly contact my my student loan servicer, Collecto, EOS CCA who only want to offer me a total pay off. They are not even able to provide me with a total balance.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem with fees

I have been a XXXX XXXX card holder since XX/XX/XXXX. It is serviced by CitiBank now. I have never failed to pay my bill. 

In XXXX of this past year, CitiBank alleges I signed up for e-statements. I did not - if anything occured, it must have been a default setting where you receive e-statements unless you unclick a box. I do not receive e-statements for other credit cards because these emails go to spam and I don't check my email as it is full of advertisements and junk. 

I charged {$18.00} in XXXX of this year to my card. I have never received a bill or a written notification. Today, XX/XX/XXXX, I logged into my email account to check a shipping notice for a XXXX item, and there happen to be an email from XXXX XXXX. I thought it was a spoof as I new I had not used the card recently and the email stated I owed {$110.00}, but I called Citibank to check. 

Today Citibank stated I owed {$110.00} due to interest and fees for the {$18.00} charge. Citibank offered to reduce the bill to {$72.00}, one month 's charge and interest. I did not even know I was enrolled in E-Bill. I have never paid late on a paper statement. I believe it is an unfair practice to " quietly '' enroll someone in e-statements, without any paper notice in case this was a mistake. Then, citibank is charging me {$100.00} in fees for an {$18.00} purchase without a single notice sent to my house. 

My credit rating is excellent and I do not have a history of missing payments. I did not choose e-bill enrollment and believe that Citibank auto-enrolled me. I should not have to pay late charges when I did not ask for E-Statements.
Complaint sub-issue: Investigation took more than 30 days

I have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you
Complaint sub-issue: Problem lowering your monthly payments

XX/XX/2018 : Applied for recertification of my Income Driven Repayment plan, supporting documents were attached demonstrating that I had made substantially less this year than the previous year. 

The monthly payments were {$1800.00}. I had made all of them in full, on time. 

XX/XX/2018 : Received notification that my IDR request was placed on hold. 

XX/XX/2018 : New monthly REPAYE is recalculated : {$3000.00} due XX/XX/2018. 

I called XXXX and asked them why the monthly payment was so much higher if I was making less money. 

They told me to resubmit the entire application with more documentation and ask for a Recalculation of the IDR. 

XXXX places my account into Forbearance even though I specifically told them not to and all payments had been made in full and on time. 

XX/XX/2018 : I resubmit the application with additional documentation of my income ( letters from employers ). I also fully pay off one of my highest interest rate loans in hopes of lowering the monthly payment. 

XX/XX/2018 : They confirm receipt of my application. 

XX/XX/2018 : I discover that they had placed a forbearance ( though no payments were ever late and they were told not to ). They remove the forbearance. 

XX/XX/2018 : I make the monthly payment that is due in full : {$1700.00} XX/XX/2018 : Letter received that I do not qualify for IDR and XXXX denies my request for recalculation. 

XX/XX/2018 : Letter received that my new IDR after recalculation is {$2800.00}, due XX/XX/2018. 

I call XXXX to ask how this amount was calculated. 
I am told by XXXX staff that it appeared that no one had reviewed the documentation I had sent with either application. 
She stated that they had just used my tax return from the previous year for the new recalculation. 
She resubmits my request for a recalculation with notation to review my new lower income. 

XX/XX/2018 : I called XXXX to ask them what the status of my application request was as the payment of {$2800.00} was due that day. 

I spoke with 3 different people. 

The first person told me to just ask for a forbearance. 

The second person told me it was my fault that the the monthly payment was calculated incorrectly because I had supplied documentation and an explanation of my income. He stated this was confusing for them, even though they had requested it. 

I asked to speak with his supervisor. 

I asked the supervisor if he could easily calculate my income based on the documents that had been sent. 
He was able to do this and agreed that I had demonstrated my income was lower this year than last year. 

I asked him what I should do next if it was recalculated wrong again- he said there was nothing I could do. 

I made the payment that is due in full : {$2800.00}. 

XX/XX/2018 : I receive an email notifying me that my new monthly payment will be {$4100.00}. 

Despite making less money and supplying them with adequate documentation of this, my monthly payments went from {$1800.00} to {$4100.00} with no explanation or recourse.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted Equifax more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarized letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed my report, which still has all inaccurate information my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This makes me give further verification to whom I apply for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and needs to be deleted : ( 6 addresses this completely inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX employment that needs to be deleted XXXX ; XXXX XXXX ; PHONE NUMBER ( XXXX ) XXXX Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX They have yet to provide me with proof of an investigation and any reporting documents that this is my debt and reporting accurately I have requested it by mail and phone
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I received an alert thru my credit monitoring that a Bankruptcy had been removed from my Equifax credit profile. I later received another alert with a Bankruptcy being inserted to my credit profile which plunged my credit score approximately 42 points! I called Equifax and the representative confirmed. Her name unknown ( couldn't understand her accent ). 
According to the Fair Credit Reporting Act, a consumer is supposed to receive notice of this act of Re-insertion of a prior Removed account by the CRA 's within 5 business days. It is XX/XX/XXXX and I still have not received this notice which I believe is a clear violation of federal law & my rights.
Complaint sub-issue: Debt is not yours

Dept popped up and its not mine