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

It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and Equifax. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

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

I'am currently in the process of obtaining a home loan and I am experiencing allot of trouble with getting info regarding my credit report for Equifax. I 've sent over my personal info such as driver license, social security, pay stub, and XXXX forms to show documentation showing that I'am who I'am. I 've spoken with reps at there office numerous times and also had my info faxed over as of recent. I faxed over that info on X/XX/17, and sent overnight on X/XX/17. I was told that after I did this I could gain access to credit report. Now I am being told that it will take another 30 days to investigate and made corrections, I was mislead to believe that i would get info in shorter time after i was told i would have access to my report. There saying that there i'sent anything on my file when i do have credit and my mortgage company has other 2 credit reports from the other credit bureaus.
Complaint sub-issue: Problem with customer service

Discover Student Loans On Saturday XX/XX/XXXX, I received a phone call at XXXX about my missed payment. I believe that is outside of hours that a company should be calling about a missed payment. I called Discover at XX/XX/XXXX to stop calls and only communicate by email or regular mail. I was told OK. 

Then today XX/XX/XXXX, I have now received 4 phone calls. I resorted to scheduling a payment to stop the calls. On happened while I was with a doctor for my child. 

This constant harassing about a payment at most two weeks late is too much.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my reports, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$46.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX
Complaint sub-issue: Problem with fees

Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. 

I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. 

I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due date.
Complaint sub-issue: Account status incorrect

XXXX XXXX  IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019-XX/XX/2019 
XXXX XXXX  XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY
Complaint sub-issue: Account information incorrect

I have reached out to XXXX XXXX to remove me as authorized user on 2 cards. I never used these accounts and made aware by the account holder of their request to have me removed as authorized.
Complaint sub-issue: Didn't receive advertised or promotional terms

Id like to file a formal complaint against KeyBank. 

In XX/XX/2022, I received a promotional offer in the mail from KeyBank offering me a 0 % interest credit card on balance transfers. My limit was {$7500.00}. I conducted a balance transfer on XXXX XXXX in the amount of {$6000.00} from XXXX to KeyBank. I remember speaking to a male over the phone ( who works with KeyBank ) to conduct the balance transfer. The male who worked for KeyBank was friendly and reassured me I was receiving the promotional offer. Because I no longer had the promotional offer in hand, I remember asking the KeyBank employee if I was still within the time frame. The promotion was advertised as 0 % interest on balance transfers, but I would pay interest on additional charges applied to the credit card. 

In the months following, I maxed out my card at {$7500.00}. Therefore, I was expecting to be paying interest on the {$1400.00} balance that was not part of the balance transfer. I reviewed back statements to assure I was paying more than expected in interest. 

Fast forward to XXXX XXXX. I called KeyBank to ask what my current interest rate was. I spoke to a nice lady named XXXX. XXXX informed me my interest rate was 14.24 %. XXXX also informed me that I had been paying interest for the balance transfer in addition to all charges racked up on my credit card ( I have been paying interest since XX/XX/2022 ). I spoke on the phone with XXXX for over an hour on XX/XX/2022. By the end of our conversation, XXXX got in touch with a female supervisor who stated, The call back in XXXX when the balance transfer took place was no longer recorded because it had been longer than 5 months. The KeyBank supervisor also stated, I found the promotion that should have been applied to your account and I will get the interest youve paid over the last 5 months, credited back to your account. 

On XXXX XXXX. I missed a call and voicemail from XXXX. When I called back, I spoke to a male supervisor who informed me that after investigation, I missed the promotion by a few days, and I do not qualify. I explained in detail to this male supervisor with KeyBank the situation and explained my frustration due to being told twice, I would be given the promotion. I would have never transferred my balance from XXXX to KeyBank, if I had not been promised the 0 % promotion ( my interest rate was lower with XXXX than it is with KeyBank ). 

I feel KeyBank was dishonest to gain my business. I was not issued the interest rate as advertised on the promotional offer they mailed to me.
Complaint sub-issue: Investigation took more than 30 days

I submitted my dispute letters in XXXX and the beginning of XXXX. Both were sent certified mail. I've attached the screenshot showing the exact dates. And, I have a late payment for XXXX XXXX reporting and I was never late. I've contacted XXXX XXXX and XXXX XXXX 's CEO to try to resolve this and it's been more than 30 days.

I need this account updated ASAP to reflect that my payment isn't late or for the account to be removed totally.

I also included a XXXX XXXX  account that is not mine, I've granted no permissions for this account to be on my report. This is a violation of my privacy and I want this account to be removed asap!
Complaint sub-issue: Information belongs to someone else

I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX
Complaint sub-issue: Account status incorrect

I was several months late on my loan payment to XXXX, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

XXXX also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?
Complaint sub-issue: Personal information incorrect

I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Complaint sub-issue: Information belongs to someone else

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.
Complaint sub-issue: Personal information incorrect

Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I had a XXXX XXXX rewards card issued from US Bank. Back at the end of XXXX, around the XXXX to about XX/XX/XXXX an old roommate had stolen my card number and gained access into an online banking for the card. He then made numerous transfers to other prepaid cards. The money was supposed to be for savings and it had about {$4900.00} on it. The card wasnt being used by me so I didnt notice the money was gone. I randomly one night wanted to check the balance and wasnt able to log in to my online banking so I called customer service at that point I learned my account was deactivated and the money had been stolen. I immediately notified law enforcement and through another unrelated incident, they were able to charge my old roommate with criminal charges. I fought for two weeks with customer service to even be allowed to file a dispute since the card was deactivated. I was finally allowed to and I sent them all the court documents and even a notarized statement from the defendant admitting to the crime. They responded the dispute was not in my favor. I then got a signed letter from the district attorney and with that they reopened the dispute. They had 90 days to resolve it. I called in and emailed their Financial Intelligence Unit at least every day for 4 months never had a answer I was always told that they escalated it and I would receive a response in 72 business hours, I recorded phone calls with them where they were caught in lies. They did not resolve it in 90 days its was almost 120 days and even with all the court paperwork and someone in jail for the crime they still said the dispute was not in my favor and I can not reopen the dispute. One of the transfers off my card they suspected was fraudulent and its froze on another account so they suspected fraud enough that they froze that transaction but yet come back and say they believe I authorized it. Both defendants have been released from jail by lawyer has contacted them and they personally have called customer service and told them everything and they still wont do anything or release the money they froze on a card. I have verified every single thing they wish me to verify and still will not help me and Im out {$4900.00} as of now.
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 - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Attempted to collect wrong amount

I am having a dispute with a former landlord, I sent my dispute and I never heard back. Then I received a call from a collection agency on a large amount of money, when I told the collections agent that I was in dispute with the landlord, I was yelled at and told that I have to party my bills. 
The landlord is charging me for things that were wrong with the apartment when I moved in, they are also charging for replacement of items that were never replaced. I have a copy of the move in sheet and they are refusing it. 
The complex is just wanting money, and I have documentation that I should not be charged for these items. 
This collections is keeping me from renting another residency.
Complaint sub-issue: Billing dispute

Equifax keeps charging twice, reporting twice and hitting my reports and affecting my credit report twice.
Complaint sub-issue: Received bad information about my loan

I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.
Complaint sub-issue: Information belongs to someone else

Please Remove all Fraudulent Accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach Identity Theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Complaint sub-issue: Information belongs to someone else

I applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX.