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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
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 Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX CXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX BRIAR XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX 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 XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on XXXX and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I was notified I was in default despite being set up through their online system to make automatic payments on the balance shown. They notified me that not ALL of my payments would display if they were not up for repayment or in default. I made a XXXX payment to bring my accounts up to date on XX/XX/XXXX. I continued paying on time through auto payments up until present day. However, inXX/XX/XXXX I was notified again of being in default through a credit report. I called and they notified me I was in default and reported to credit agencies and was late on {$16000.00}. To bring it up to date I would need to make that payment. This amount due was not shown when I log into their system to review my balances, their online system not only did not include these loans but shown that all of my payments were received, on time and current. Further, I never received any mail that indicated there were other balances or I was late. Lastly, XXXX XXXX has failed to update any of the credit bureaus with accurate payment history since XX/XX/XXXX despite making full and timely payments. This has resulted in losing 200 credits on my score making it impossible for me to qualify for a home loan, credit cards, and business credit. This is the ONLY negative on my credit score and they are ALL coming from the lack of accurate reporting of XXXX XXXX. There were times prior to XX/XX/XXXX that I had been late but after finding financial security I have been diligent about making full and timely payments but have not seen any updates reported to credit bureaus. However the inaccurate and incomplete documentation by XXXX XXXX has also made it impossible for me to organize, plan, and monitor the payoff of my loans.

I have attached a full payment history as well as a screenshot of what I see when I log into my account showing a XXXX dollar balance due.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Complaint sub-issue: Debt is not yours

In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Complaint sub-issue: Account information incorrect

Hello, My accounts with Fedloan servicing were under forbearance and deferement and yet they refuse to update my credit reporting to reflect this. Going against both Sec. 463 ( C ) ( 4 ) ( A ) of the HEA and section 623 A ) ( 2 of the FCRA. This is literally ruining my life. It accounts for 95 % of my negative credit reporting and again.. these accounts were under approved forbearance and I had no reason to make payments.

FTC advisory opinion related to this can be found at. 
https : //www.ftc.govXXXX
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have sent in multiple letters over the past two years addressing the issue of identity theft and it seems like i always get a contradicting computer generated response to my questions, concerns and issues i am addressing.It seems as if the bureaus are trying to go around the FCRA and creating unnecessary work for themselves for example, the last letter received stated that the info on my report would not be blocked, instead Equifax would contact each creditor directly which is something i didn't ask, to then turn around in the same letter and say they could not verify my identity and could not locate a credit file.
Complaint sub-issue: Reporting company used your report improperly

Equifax had weak security and my information was gathered in the hack.
Complaint sub-issue: Didn't receive enough information to verify debt

I attached a screenshot of 2 disputes from XXXX charge off from 5 years ago that's not mine and a credit card that's not mine .. 
If notice the screenshot shows there investigation is still on going ... 

The last four of my ssn XXXX
Complaint sub-issue: Debt was paid

Contacted XXXX to dispute debt reported. Advised I dont owe money to cable provider and have had service since 2015 ( no debt has ever been communicated to me by cable provider. XXXX advised this is valid ( cable company reports I dont owe anything, still have service ) reported by I.C Systems INC {$72.00} dollars To XXXX  XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took out a loan for XXXX school that I believe was XXXX. It is now $ XXXX since it took be a bit to find a job, then my first job paid me $ XXXX a year. I am on a PAYE plan, for lowest possible payment, as I am married with a child. My loan increases because of my absurd interest rate ( 6.55 to 7.5 ). By the time I am forgiven for my loan based upon my plan ( 25 years ) I will have paid more than I took out. Then, I will get taxed as income the forgiveness, essentially resulting in me paying off my loans for the rest of my life. Interest rates go down everywhere but for student loans. 

I can not file married jointly for taxes because otherwise the PAYE plan will double my payment. Therefore, I file married/separate and as a result, I can't take advantage of a childcare credit. I also get no deductions for interest payments because of a ridiculous law. 

This must stop. It is ruining my life.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I filed a claim with Direct Express, card I receive my Social Security benefits on. I filed a claim on XX/XX/2019, for unauthorized purchases made on my card by my x boyfriend, and then I filed another claim on XX/XX/2019 for more unauthorized transactions, that my x roommate made without my permission, all totaling to the amount of XXXX I reported to the investigator that my x boyfriend stold my card, and my money, I gave them his name, and completed all the paperwork required. Direct Express combined both claims into XXXX claim number XXXX. Direct Express did there investigation, and DENIED MY CLAIM. How can they DENY my claim? I did not authorize these transactions. The investigator also denied my request for a formal hearing regarding this case. I talk to Direct Express and they could not tell me who investigated my claim there was no name on the paperwork. They just kept saying was that I was denied because there was BALANCE CHECKS on my card during the time it was stolen. I checked my statement and I can not find any BALANCE INQUIRIES, and why would this matter anyway? They said my claim was settled back in XX/XX/2019, but I received no notification that my claim was not going to be paid to me.
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern, On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Complaint sub-issue: Investigation took more than 30 days

1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove
Complaint sub-issue: Information belongs to someone else

Advised Equifax that XXXX XXXX A XXXX was opened in my name fraudently. I never solicited business from them. It still remains on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX sent bill in XXXX XXXX. I engaged attorney XXXX XXXX XXXX in XXXX XXXX WA who sent a letter along with my own check to XXXX XXXX. Ms. XXXX ( XXXX ) also got in contact with XXXX XXXX management regarding the account. On or about XX/XX/XXXX XXXX referred the account to collections with a XX/XX/XXXX date which made no sense. I closed any and all accounts in XXXX XXXX and XXXX had my attorney contact for any further issues. Ms. XXXX reached out to XXXX XXXX attorney regarding the account. I wrote to the collection agency advising I paid the bill. I am unable to obtain a copy of the check because it was drawn on XXXX XXXX  which closed in XXXX XXXX. They were taken over by another bank. It is near impossible to contact them by phone, there is no online access to the account and all statements were electronic so I have no bank records. I only have my attorney 's office confirming payment for the account. Neither XXXX, nor their attorney nor the collection company responded to my letters. I wrote to the credit agency with copies of the contacts and two of the three cleared the negative credit collection after their ow investigation. Equifax will not, they have advised as of today that they were able to confirm the account as valid. No one provides me any documents or communications as to what account and why nor a response to the payment previously made by my attorney 's office. I can not get a home loan, all my current loans and credit cards have higher interest as reflected by the collection. The original bill was related to a situation where I am protected under XXXX XXXX. I moved out due to XXXX XXXX situation and my attorney provided all relevant documents to the rental agency XXXX XXXX attorney. We never heard from XXXX that this or any other bill was due.
Complaint sub-issue: Other problem getting your report or credit score

I have tried to unfreeze my credit report from equifax on multiple occasions, both through their automated system and through their customer service representatives. Today ( XX/XX/2021 ) was my final attempt at getting my credit report unfrozen. First I tried their automated system which after verifying my name, address, social security number, phone number, and zip code in addition to 9 personal identifying questions, they mentioned that I need to fax them my driver 's license number and social security number. I thought this was odd since I had spent 10 minutes going through identity verification so I contacted a representative over the phone. She did the same process, verified all my information and yet still mentioned they can not verify that I am who I say I am and that I need to fax pictures of my personal identification. I'm not going to show pictures of my social security number and license for the world to see. This is ridiculous. Just unfreeze my credit report. You already have all the information you need to verify me.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on REC MGM SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Other problem getting your report or credit score

Equifax continues to violate my rights per the FCRA. ( 1 ) When I log into myequifax.com account It displays in accurate information? It shows my credit score as a XXXX and its a XXXX. This has been going on for several months now. I have contacted Equifax and they act oblivious like they have no knowledge of this. Now when I call Equifax. Now ( 2 ) They have blocked me as I enter 100 % accurate account information in order to speak to a representative they state they I am not and cant be helped at this time. I am attaching screenshots from my account to prove what Im saying is true. Equifax is committing fraud am by charging me {$4.00} per month for a service they refuse to give me access to. At this time I am asking Equifax to immediately correct the situation and or or pay me {$3000.00} for each each violation mentioned or I will file a lawsuit for each violation, fraud, and damages. I have a right to access my credit report, I have a right to have 100 % accurate information being reported and they are not meeting the requirements per the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

I am contacting you in hopes that you can help me with Equifax reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.
Complaint sub-issue: Trouble with how payments are being handled

in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.
Complaint sub-issue: Attempted to collect wrong amount

ENHANCED RECOVER COMPANY A DEBT COLLECTOR FOR XXXX XXXX, IS PRACTICING RE-AGING, THEY POSTED A COLLECTION ON MY CREDIT REPORT WHICH HAD A NEW DATE AS A COLLECTION AS OF XX/XX/2020. 

THIS ALSO WAS DONE BY THEM 3 YEARS AGO ON MY CREDIT REPORT AND I HAD IT REMOVED, NOW THEY ARE MAKING IT LOOK LIKE A NEW COLLECTION, AND ITS OVER 10 YEARS OLD.
Complaint sub-issue: Account information incorrect

XXXX  XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.
Complaint sub-issue: Reporting company used your report improperly

I have a hard inquiry on my report from XXXX. I have never applied for credit from this company and I need this removed from my report immediately.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Information belongs to someone else

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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 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
Complaint sub-issue: Problem cancelling or closing account

I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!