Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with Equifax and XXXX. 
My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$750.00} ; XXXX  XXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Information belongs to someone else

I dispute this account with XXXX XXXX XXXX and was informed by this company that they are not servicing this account and have removed it from my XXXX credit report.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I granted MOBILOANS the right to provide me an extension of my credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). However MOBILOANS furnished deceptive forms to deceive me into believing they provided me credit on their behalf. It is a fact, I am the original creditor and MOBILOANS has been fraudulently collecting payment from me in regards to the extension of this credit as well as other charges and fees. MOBILOANS also frequently computed " finance charges ''. I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/XXXX I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. I received a vague response from MOBILOANS stating that the Fair Debt Collection Practices Act does not apply to MOBILOANS - see Exhibit A. I am demanding that they provide the law that exempts them from following federal law. The documents provided to me by MOBILOANS clearly states TRUTH IN LENDING DISCLOSURES- so MOBILOANS is willfully and knowingly committing fraud because this information is public and they are governed by these regulations! They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, MOBILOANS has committed fraud and continues to violate my rights as a consumer.
Complaint sub-issue: Account status

I obtained a copy of my credit report after seeing my credit score drop sharply. I found XXXX charges totaling over {$200.00} on a card that I never use and a past-due statement, which I never received. Called the bank and discovered the XXXX charges were both from out-of-state. The thief may have stolen unforwarded mail containing an updated credit card, as the bank did not have my current address on file ( even though I had left a forwarding address ).
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi! 

Date : XX/XX/2022 Amount : {$1000.00} XXXX  : Reverse TPI XXXX Lodging : My situation : I was looking for a stay at a Hotel in XXXX XXXX on XXXX app. I had previously booked on that same website using my Citibank Costco Visa card to reserve a hotel and had been able to cancel because the offer said : Free cancellation. There was no problem. Me and my friends were looking for the best option for us and we wanted a Free cancellation offer. We were consciously looking for that. So we found a new hotel that was a better option for us. So I did the same thing, I had my friend on the phone and we both reviewed the offer of the hotel we were interested in and it also said : Free Cancellation. I wrote my card information to reserve the room, but suddenly I was charged the full amount on the spot. I got really scared because that was not what was supposed to happen. I only wrote my card information to reserve the room and pay at the end of the hotel stay by dividing the total between three persons ( XXXX XXXX XXXX XXXX ). But XXXX charged me immediately. I called XXXX customer service several times the same day to explain what happened and cancel the transaction and they never answered me. I spent a lot of time on the phone. Out of anxiety and fear, I canceled my Citibank Costco Visa card and reported the suspicious and fraudulent activity. I have already made two claims to the credit company and still they are blaming me and making me responsible for paying the money. I was never in the hotel, I did not stay in the hotel. I called the hotel several times to notify the situation and ask how they could help me, and they told me that they couldn't do anything because I made the reservation through XXXX and they are the ones who " can answer me ''. It happens that XXXX customer service is the worst, they do not help you at all. It is very difficult to contact them. They leave you waiting, they are unreachable. I feel very upset, anxious, frustrated. This situation is unfair and I feel that Citibank Costco Visa is penalizing me. I don't want to pay for a stay I didn't go to. It is unfair. I knew that XXXX was going to charge me immediately, I wouldnt use my credit card because my credit limit is basically that charged amount and that was going to affect negatively my credit score. When all of that happened and they charged me for that amount, I received a receipt that said : Cancellation cost : Non refundable. Thats shady and fraudulent because the offer was free cancellation at first and then when the charge was made it said, non refundable. Thats shady, thats lying, thats taking advantage from technology to manipulate situations. For so many reasons, this situation is unfair and I feel powerless because these big companies win all the time. I dont have {$1000.00}. I dont have that money. Please, help me. Something shady that happened is that I was unable to cancel the reservation in the app. I signed in in the webpage and the reservation didnt even appear. It was very confusing.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$200.00} Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$110.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account was Opened : XX/XX/XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$1100.00}
Complaint sub-issue: Account status incorrect

I had a private student loan with Citibank, which has been a problem for years. After being told it was placed in deferment while I was in grad school, I later found out that I was not eligible for a deferment after months of not bills, phone calls or any contact from the company to inform that the account had been marked as delinquent and turned over to collections. I worked out a payment plan with the collection agency and later settled the debt. I have l letter stating that the debt has been settled but Citibank continues to report that my account is past due. This has affected my credit to the point that I am unable to buy a car or get approved for a mortgage. I need this fixed immediately or I will seek legal action and ask for damages. I have disputed this with credit agencies who insist that Citibank is correct in showing that I owe them money. I have attached a letter from the collection agency stating that this account has been settled and the collection agency confirmed this information with Citibank. This is the fourth time I have had to file a complaint against Citibank concerning this matter and their inability to do due diligence and report accurate information and honor their word.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

US Bank has incorrectly calculated my excess mileage charge. I have written to them more then 6 times.
They have not fixed it.
They have damaged my credit score.     A full explanation is attached.
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I  have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Filed a complaint with the attorney general 's office regarding XXXX XXXX XXXX XXXX account # XXXX, reporting an account on my credit report as payments being made when there are no payments being made, thus re-aging the debt. XXXX XXXX XXXX stated that they do not control how the debt is reported and that is up to the credit bureau. Equifax is thus responsible for the inaccurate reporting of this account on my credit report. I am requesting the deletion of this account from my credit profile. The FCRA requires all credit reporting agencies to report 100 % accurate information. This is incorrect and inaccurate.
Complaint sub-issue: Account terms

I have had nothing but trouble with equifax. I have disputed so many times and had items removed and put back. I can not get my credit score without paying but XXXX XXXX keeps denying a limit increase saying equifax says my score is XXXX which is quite a bit off my other scores and seems wrong. I now years ago I got information about equifax getting in trouble for practices and I was supposed to get something out of that and never did. I want the issues fixed and a proper score and explanation why.
Complaint sub-issue: Debt was paid

Debt was paid and still listed on my credit report as a open collection, called and spoke to a supervisorXXXX and still nothing was done to correct the issue
Complaint sub-issue: Information belongs to someone else

This is my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX Owed : {$3000.00}
Complaint sub-issue: Problem with statement of dispute

It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago
Complaint sub-issue: Public record

I have XXXX chapter XXXX bankruptcy on my credit report that are over 7 years old and this credit bureau Equifax refused to remove it and it is only reporting on this credit bureau I fill this is against the law and I have rights.
Complaint sub-issue: Debt was result of identity theft

Hello. So im having a big issue with my bank PNC Bank. Back in XXXX someone stole my online banking info in result of me losing my phone. They were abled to put fake checks in my account of {$3000.00} and another 2 checks of {$1500.00}. They forged my signature and they were using my XXXX XXXX, XXXX XXXX and XXXX to send the money to different accounts! They also stole all my money that I already had in my account. I ended up opening a police report on XX/XX/2021 when I realized that all of my money was gone. When I told the bank about it they opened a case. But the person that had my case did not call or communicate with me for 3 months! And when they finally did call me on XX/XX/XXXX, I was told that the bank is denying on giving me back the money I lost and also put me in debt for {$2200.00}! And it got even worst when I reopened the case, they did nothing and raised the debt to {$3400.00}! When I asked the bank the reason why they refuse to give me all the information needed and all they said was that the transactions were approved because it looks like I did it, when clearly someone stole my phone and used all my information! Please I need someone to help me remove the bank debt. I come from a low income home and obviously is not fair for the victim to do pay off debt caused by a scammer. I tried reopening the case but they keep telling me the same results. This has been going on for almost 5 months and im losing my mind and have been in terrible stress. I also filed a identity theft form on XX/XX/2021. Also the amount of money that im supposedly to be owned back is not correct on the police report. I only lost about {$1400.00} and the report says {$4000.00}, which could of been clear if I had gotten enough assistance from the bankers. I need possible solutions to this cause ASAP please. I don't even have this kind of money : ( The bank refuses to give more information and I know for a fact Theyre making a mistake!
Complaint sub-issue: Information belongs to someone else

I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and Equifax data breaches. I filed a claim with Equifax and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$120.00}
Complaint sub-issue: Debt is not yours

I had an appointment with XXXXXXXX XXXX XXXXXXXX XXXX in XXXX PA in XXXX of XXXX  in which I received no medical service whatsoever and was only given a questionnaire to fill out and told to return in 2 weeks. Upon return for the second appointment, I was asked for {$250.00} CASH payment up front, despite being insured, which I refused to pay and cancelled the appointment. I was not informed until the day I showed up about this request for CASH up front. Several weeks later, I received a bill for {$140.00} for the appointment in which no service was provided and I was only given a questionnaire and sent on my way. I believe this was done out of spite because I refused to pay the {$250.00} surprise cash payment, and I believe this business is guilty of shady nefarious business practices. They didnt mention anything about {$140.00} to hand me a questionnaire until I refused to give them {$250.00} in cash on the spot. In addition, I was fully insured by XXXX at the time and no attempt was made to rectify this with the insurance company on part of the doctors office. I recently started being contacted by I.C. System Inc. debt collections out of XXXX XXXX Minnesota. I called and asked them to please never contact me again and they refused, saying that they would continue to contact me over this supposed debt despite my federal rights.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
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 XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am bothered! I have been sending letters to the Credit Bureaus requesting t=for them to remove the disputed fraudulent accounts and erroneous information completey from my Credit Report and yet they have failed to do so! I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the FCRA section 605b. This Federal law has been clearly violated by the Credit Bureaus by continued reportingof the disputed items without providing me copies of documentation bearing my signature to supoport both the Credit Bureaus and the Creditors ' claims that the items belong under my name. I am submitting this complaint to remind the Credit Bureuas of theit duty to comply with the FCRA section 605b and remove the following accounts and information completely from my Credit Report ; 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 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: Threatened or suggested your credit would be damaged

I received a letter in the mail from Lou Harris & Co in the mail dated XX/XX/XXXX with an amount of XXXX.. Lou Harris & Co did not send any signed contract or agreement stating that this was my account. Lou Harris & Co called me on XX/XX/XXXX threatening to damage my credit report, they did not allow me 30 days to validate this debt, and has called me everyday threatening me, I continue to advise the agent that I was not aware of any debt. Furthermore, Lou Harris & Co is practicing UNJUST ENRICHMENT and is violating the Fair Debt Collection Practices Act ( FDCPA ). I will be reporting this agency to the Attorney General & to the XX/XX/XXXX