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 {$10000.00}, {$7900.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 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.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Complaint sub-issue: Debt was paid

Dear CFPB Staff, My complaint is about Remex, Inc who submitted a derogatory posting to my credit report. I believe that, given the timing of their credit report posting, that they took this action with pernicious motives. 

Towards the end of XX/XX/2018 or beginning of XX/XX/2018, I started receiving telephone calls/messages during the daytime from Remex , Inc . They would call my personal cell phone and my work telephone number. My job requires a high degree of concentration with minimal interruption, so I could not answer these calls. However, they left messages indicating that it was a bill collection matter. 

Therefore, after finding out that this was related to a medical bill that I had overlooked, I initiated an FSA payment to XXXX XXXX XXXX  ( the service provider ) on XX/XX/2018. XXXX XXXX XXXX received the payment on XX/XX/2018. I also wrote a letter to Remex requesting that they stop their telephone calls and quoting the FAIR DEBT COLLECTION PRACTICES ACT ( the letter was mailed out on XX/XX/2018 ). In the letter, I requested that they submit any future bill-related communication in writing. 

To my surprise, on XX/XX/2018 I received a text message alert from XXXX that there was activity on my credit report. When I logged in, I found out that Remex had issued a derogatory on my XXXX credit report. This derogatory was posted by Remex on XX/XX/2018. This action by them was taken 17 days after XXXX XXXX XXXX received their payment. 

Given the more than three-week lag between the time of my payment and their derogatory posting together with my written notice to them, I believe that their credit report posting was a retaliatory action that was taken to cause harm. 

ATTACHMENTS : XXXX XXXX XXXX - Proof of Payment - XXXX XXXX XXXX - XXXX Remex - Cease and Desist - XXXX - with XXXX XXXX XXXX XXXX Remex Credit Report Derogatory XXXX XXXX
Complaint sub-issue: Account status incorrect

I have made all payments on time. Due to an error with XXXX XXXX payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, XXXX XXXX continues to lower my available credit thus hurting my score by XXXX point or more over just a few weeks. I have contacted XXXX XXXX through XXXX XXXX financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like XXXX XXXX ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a XXXX XXXX I sincerely hope that you are able to assist me as well as go after XXXX XXXX and these actions on others as I am assured Im not the only one.
Complaint sub-issue: Debt was paid

I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Complaint sub-issue: Reporting company used your report improperly

Regarding the recent Equifax data breach reported on XXXX XXXX, 2017, I am joining others in complaining about the lack of care this company took with our valuable personal information. We should not have to enroll in a service that they will charge us for once the so-called free trial period expires and we forget to opt out. Furthermore, the company 's former executives clearly violated SEC rules and made a bunch of money before making this known to the public. They should be fined and the proceeds go to provide credit monitoring for those of us affected by the data breach.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXX (? ) from XXXX XXXX XXXX. called my wife 's phone asking for me. He wanted to verify my social and DOB without telling me who he was calling on behalf of. Gave ma a call back number and was very rude. I told him I would not verify information, but if he told me what company i supposedly owed, I would contact them directly. 

I called them back from my phone and they knew who I was as soon as they answered and told them to validate the debt and send paperwork to my address since they know so much about me. Said they could not send anything without verifying my identity first. 

Asked for a business address and they gave me an address in XXXX, SC and was calling from a local phone number in XXXX, Or. 

I do not plan on responding until they validate the debt.
Complaint sub-issue: Information belongs to someone else

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, XXXX, and XXXX, fraudulent charges were made to my credit card. 
XX/XX/XXXX for {$39.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX I reported it to Key Bank, and they declined to refund the money, saying the orders were placed from my home computer and, therefore, could not refund the money. I can prove to them I was out of town on vacation when some of the charges occurred, and no one else has access to my computer when we are traveling. They claimed that it was impossible for anyone else to use my computer IP address, so it had to come from me. 
I then took my computer to a local computer service center and had them check it over. They told me my computer had been hacked and the people doing it were watching every keystroke I was making so they could and did have access to my computer. I gave a copy of the letter from the service center to Key Bank but Key Bank still refuses to refund the fraudulent charges. The computer service center reported the problem to the appropriate XXXX and software companies and removed the software that was used to gain access to my computer. I also filed a police report as requested by Key Bank. Can you please help me with this?
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax and XXXX XXXX. both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX  XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Late Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXXLate Dates XXXX
Complaint sub-issue: Can't use card to make purchases

According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.
Complaint sub-issue: Public record

I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.
Complaint sub-issue: Account status incorrect

XX/XX/2020 - my credit score dropped 115 points because FedLoan inadvertently reported me 90 days late due to a mistake on their part. At least two or three FedLoan agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies ( wasting my time since FedLoan was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at FedLoan. The account specialist stated he would escalate it. Fedloan sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} Equifax : XXXX {$1000.00} XXXX XXXX {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Complaint sub-issue: Having problems with customer service

Hello, My student loans were originally serviced by XXXX but were sold to Discover Student Loans a few years ago. On my original promissory note, it states that I could have my cosigners removed for loans XXXX and XXXX after 48 on time payments. Today, I am beyond the 48 payments. I contacted Discover a few months ago and they sent me the cosigner release form. I filled it out and set it back to them over 30 days ago. On their letter, one of there statements says, you should hear something within 30 days. Well, it has been beyond 30 days and I still have n't heard anything. I contacted them a week ago, and they said, just give it the time that is needed. There was no mention when I would receive official word or even if my cosigners are released. 

Two years ago, I had XXXX loan out with them and successfully got my cosigners released after XXXX payments. But, they were doing the same thing like they are now, and I had to file a complaint to inquire what they were doing and why they were stalling. 

For the year of 2015, I have paid discover a total of XXXX dollars. On top of that, I have paid XXXX dollars in interest. My gross income for the year of 2015 is XXXX. My credit score as of today is XXXX. I could come to XXXX instances why it is taking beyond 30 days to respond to my submission of the cosigner release form, it is either because someone is being lazy over there or it is being done purposely, so that they can continue to stretch this out, like they did two years ago and hope that I will give up on my cosigner release. However, they are violating the stipulations in the promissory note. By the way, when I submitted the cosigner release form, I included several pay stubs, so they have all the information they need.
Complaint sub-issue: Their investigation did not fix an error on your report

I have informed Equifax by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX ( two accounts ). There are two addresses listed that I have never lived at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXa XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX
Complaint sub-issue: Attempted to collect wrong amount

Enhanced Recovery Company is falsely reporting the original date of delinquency for this bill as XXXX. XXXX refused to correct this when disputed in both XXXX and XXXX. The original date of delinquency was actually in XXXX, and should have fallen off of my credit report by now per Section 516.120 Revised Statutes of Missouri. I have images of the last payment date as noted on my XXXX account, and the following warning email saying that it would be sent to collections. No payment was made after the last payment date represented in these images XXXX XX/XX/XXXX XXXX. The images captured were taken from my XXXX account and XXXX account on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

i have been disputing 5 fraudulent accounts from my credit file, for which are reporting on my equifax credit reportings, i have started disputing these inaccuracies and fraud accounts since XXXX of last year ( XX/XX/XXXX ), but so far equifax has not been able to remove these fraud accounts from my credit file. i have submitted a police report several times and not only that has not help, they have given me so much stressful life and living, i am not able to even rent a car let alone buying one, my life has stopped and has been the most stressful and depressed life someone could have. please you are my only hope to resolve this issue with equifax and this disaster of mine. 
i had resolved my XXXX and XXXX  issues with in 6 months, but equifax has been giving me trouble and a very difficult time. 
i called XX/XX/XXXX equifax for the last time, and they still were not able to help me and literately XXXX me and my life. 
i hope in the name of XXXX that this complaint would being me justice and resolve my credit issues, unfortunately as you all know credit here is the most important subject even more important than apiece of bread. let alone being a fraud victim and caring all these inaccuracies on your shoulders.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, 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 you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Complaint sub-issue: Public record

Equifax has a incorrect information related bankruptcy Chapter XXXX related XXXX XX/XX/XXXX The correct information should reflected Bankruptcy Chapter XXXX -Discharge-XXXX XX/XX/XXXX I asked many times Equifax to make a correction with Chapter XXXX with no success.
Complaint sub-issue: Debt is not yours

This is collection account is for XXXX XXXX which I do not owe. This account was removed from my credit report before but put back on it with out my knowledge. I do not owe XXXX it was disputed and removed from credit report then put back on. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$570.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX