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

I have been writing all three credit bureaus and they have continued to ignore me. I wrote them on XX/XX/XXXX I wrote them again on XX/XX/XXXX and I still have not heard back from them as of today XX/XX/XXXX. This stuff on my credit report do not belong to me and I want it removed from my report. i am asking you to get these three companies to remove this stuff from my report. I never gave them permission to report these fraudulent accounts. For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Information is missing that should be on the report

Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.
Complaint sub-issue: Information belongs to someone else

I have a fraudulent account listed on my credit file that needs to be block or removed based on the FCRA Acc # XXXX Opened XX/XX/2017
Complaint sub-issue: Banking errors

Back on XX/XX/XXXX citi bank allowed my account to be hacked and the email information as changed. When this was done the individual that hacked my account then enrolled my account in the wire transfer service and proceeded to transfer {$800.00} out of my checking 's and then another {$900.00} from my savings. I called Citi bank immediately and they advised that i had to do an affidavit in the branch and have it sent over to the investigative team. I did an affidavit for both account with a branch manager at their location near XXXX XXXX  off XXXX  and XXXX XXXX. She sent in the information and convinced me that opening a new account with them while the account was being investigated was my best bet in getting my money back sooner. I was told that the investigation would take 60 days. I got s letter then stating that the investigation was closed because I had never sent in the required affidavit which i watched her fax. So I went into another branch on XX/XX/XXXX and re opened and submitted the documents for both events. On XX/XX/XXXX I received a credit for the {$800.00} that was stolen from the checking 's but the {$900.00} from the saving 's is still in limbo. So i called the bank again and spoke to another rep and they stated that they saw that the information was identical to the one i was awarded and that he would re open it to have the funds reversed. And now today XX/XX/XXXX I a still waiting on a response from citi bank for an incident they told me should take no more than 60 days. I tried to get detailed notes from the rep that was helping me and she advised me she can only give me a first name. I asked for an employee ID and she stated she didnt have one. It wasn't until i stated that i needed detailed information for an attorney she found an employee ID. Its crazy that i took someone less than 10 minutes to steal from me but it has taken citi 17 months and counting to get the funds replaced
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern ; On XX/XX/XXXX, I was admitted for XXXX XXXX to XXXX XXXX Hospital,  XXXX XXXX, XXXX, Florida, by XXXX XXXX XXXX, ( XXXX. XXXX. ) I was in for one week. The following week I went to XXXX XXXX office for a follow up. I was informed I had caught a XXXX XXXX from XXXX XXXX Hospital. I have tried to find a lawyer to represent me. As you probably know that lawyers dont want to take it unless you make {$250000.00} per year, and I dont. Also recently the XXXX XXXX came back along with complete XXXX in all XXXX on my XXXX XXXX and the XXXX XXXX. 
On XX/XX/XXXX I noticed were a bill from XXXX XXXX Hospital c/o XXXX XXXX XXXX, had come in and I sent them a letter ( attached ) informing them I was paying on the bill and requested all the information pertaining to the account. I never received anything. 
I had paid them {$50.00} per month since released from the hospital from my XXXX XXXX XXXX bill pay every month until I have a major decrease in my income in XXXX XXXX and I changed the payment to {$5.00} monthly. 
After sending the letter XXXX XXXX Hospital, they  hired XXXX XXXX XXXX  and reported incorrect amounts on my Equifax Credit report. I filed a dispute and they told me to contact XXXXXXXX XXXX. I did they stated that {$5.00} monthly was not enough. I dont think they should file with the credit bureau if you havent missed a payment and they had accepted payment. I am paying what I can afford I am on XXXX and only make {$1500.00} monthly and have a lot more medical bills Im paying on. I always pay my bills, it might take a while. 
I am requesting this be removed from my Credit Report and find out why the original amount owed and the balance have changed significantly since XXXX XXXX took this over. 
If you would have any information on how I could seek damages against this hospital and its medical staffing would be deeply appreciated.
Complaint sub-issue: Application denied

Someone tried to apply for a credit card using my name as fraud. I never tried applying and I want this investigated. Credit is frozen so application was denied. I want this investigated to find out who is trying to fraudulently apply l.
Complaint sub-issue: Threatened to take legal action

" XXXX XXXX " claims to be a supervisor for XXXX XXXX XXXX, he claims to work for the " Pre- litigation He threatened that if I did n't pay {$3000.00} within 10 days they were going to take me to court and file a civil lawsuit. So when I called this a scam, and asked for Proof in writing? he refused to give me my debt notification in writing, and said that I have till XXXX tomorrow to call him to agree to pay or else face a civil law suit. He said they are n't obligated to notify me if a debt that I owe, he said that 's my responsibility. He was rude and threatening and talking loud over me the whole time. He would n't let me speak with a supervisor.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

The company macys failed to provide the disputed account payments history for XXXX XXXX XXXX. If the company can't provide such information this account is considered over 7 years old and should be deleted/removed
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX Company # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXXXXXX # XXXX has violated my rights XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX  # XXXX has violated my rights 15 U.S.C 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 a account without my written instructions
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and need to update from reporting : XXXX XXXX {$1500.00}
Complaint sub-issue: Information belongs to someone else

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXX AND XXXX AND EQUIFAX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT XXXX XXXX MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX OR XXXX XXXXND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXXXXXX WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX  AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Complaint sub-issue: Received bad information about your loan

Hello, Listen, I need your help!! My name is XXXX XXXX, I have serious concerns regarding MOHELA 's handling of my student loans. Back in XX/XX/2022, I filed a XXXX form with XXXX qualifying payments so that my loans could be considered for forgiveness, however, for whatever reason it remains in pending status. After about XXXX XXXX  I received a formal results letter in mail that was inaccurate and showed me short of XXXX XXXX, for a total of XXXX qualifying payments. I called the loan servicer and they mentioned that the form remained in pending status ( their website refers to a typical review timeframe of 90 days, I submitted months ago back in XX/XX/2022, with no results ). I have called several times but they refuse to take action! The representatives do not make any effort to assist or provide a timeframe to begin the process of having my loans forgiven.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.
Complaint sub-issue: Trouble getting a working replacement card

i have lost my card a few years ago. i was working so i felt i didn't need it so i threw it away. chopped it up and threw it away. the week ofXX/XX/XXXX i got a notice in the mail from unemployment saying they loaded my benefits on the card. i don't have that card and i have been trying to get a new one sent out and its been three weeks i haven't heard anything back yet or nothing
Complaint sub-issue: Information belongs to someone else

XXXX, Eqifax, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX  XXXX. 

XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
Complaint sub-issue: Received bad information about my loan

I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account on my credit multiple times, and it I have received no information about it from anyone except verification from the credit bureaus. I thought I had a right to request validation, so I looked online, found a dispute/validation letter and sent it to Jefferson Capital, they have not sent me anything. Please help me!
Complaint sub-issue: Information belongs to someone else

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. XXXX XXXX, Equifax, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX