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

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. PLEASE remove these unknown items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance {$25000.00} ; Bankruptcy XXXX XXXXXXXXdismissed US BKPT CT FL XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ;
Complaint sub-issue: Overdrafts and overdraft fees

Opened account in XX/XX/2019 at local U.S. Bank branch. 
Did not at any time select or opt in to overdraft protection. 
XX/XX/2019 - charged 2 overdraft fees XX/XX/2019 - charged 3 overdraft fees Charged 5 overdraft fees for 3 transactions that caused an overdraft yet never selected or chose overdraft protection.
Complaint sub-issue: Debt was paid

I'm disputing a debt because I do not owe it to the client. This debt has been paid. I submitted the payment of the amount of {$310.00} by phone on XX/XX/2018 as usual. I received a confirmation email from customer service the day XXXX submitted the payment ( which I still have in my possession. ) To my surprise, a few weeks later, I received a letter from a collection agency. I was confused and called them. They told me that the payment didn't go through. No one informed me, no one emailed. My payments always have gone through. I don't understand why this one didn't. Now I have been penalized with interest and late fees, just because someone in customer service failed to inform me about it. Shame! Unacceptable!
Complaint sub-issue: Received bad information about your loan

During the XXXX payment pause, my bank records indicate I paid {$34000.00} toward my student loans and the money was dispersed across the following XXXX loans : XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$24000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$6400.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$13000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$20000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$15000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$5100.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$3100.00}. 

The XXXX loans disbursed in XXXX and XXXX were completely paid off during this time. I have contacted MOHELA by phone 4 times and by secure message 4 times between XX/XX/XXXX and XX/XX/XXXX to request a refund of my {$34000.00} in payments. I specifically requested a response, in writing, indicating that MOHELA requested a refund for all payments made on all XXXX loans. In response, MOHELA provided in writing that they are only acknowledging the XXXX open loans disbursed between XXXX and XXXX in the request. They have specifically omitted the XXXX loans I paid off. 

The XXXX loans disbursed in XXXX and XXXX that were paid off during the XXXX payment pause were paid off while my loans were serviced by XXXX. ( My loans were transferred to MOHELA in XX/XX/XXXX ). I contacted XXXX to request a refund from them, but they referred me to my current servicer MOHELA.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX  XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$370.00}
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 45 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XX/XX/XXXXXXXX-Unverified account- Delete immediately XXXX XX/XX/XXXXXXXX Unverified account- Delete immediately XX/XX/XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, Texas XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I wrote to you requesting an investigation into items that I believed were wrong I have not received a reply from them or any acknowledgment that an investigation has begun.
Complaint sub-issue: Can't get flexible payment options

to be completely honest, I have no idea how this happened to me. Before I went away to college I allowed my parents to basically finance me through everything and now I regret it. They have put me in a huge debt and it feels like a huge slap in the face because I have no way of paying off these loans. I was legitimately unaware of all of these until a few weeks ago. All I want is help. My parents obviously did n't help me and now I feel lost and confused. Please help me.
Complaint sub-issue: Reporting company used your report improperly

I am, XXXX XXXX, consumer and natural living person submitting this complaint and there is no third party involved. Equifax committed fraud on my consumer report, and I did not consent, benefit nor authorize these collections or hard inquiries on my report. I demand Equifax to remove immediately.
Complaint sub-issue: Account information incorrect

issue 1 ) Equifax keep adding XXXX  XXXX XXXX  back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : 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: Personal information incorrect

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( 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: Account information incorrect

XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX balance {$5700.00} XXXX XXXX XXXX XXXX balance {$64000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have had numerous accounts with Conn 's in XX/XX/2017 I received a phone call to make a payment over the phone, at that time I had 2 accounts with 2 different due dates, the representative told me that she could merge the accounts and they have 1 due date and I agreed to that a due date of the XXXX of each month. For months I have been paying {$130.00} and they have posted to my account. I had no clue that the accounts were not merged until I received a notification that they were reporting me 30 days late on my credit reports. I called and went around in circles with not so articulate customer service representatives. I also take issue with the fact that they added on insurance to my items though I told them I have homeowners insurance yet is was forced upon me anyway. These people are forcing consumers to purchase their insurance and I do not believe that is legal. By the way for some reason the online option is an issue and they tell you in the store that it does not work, NOTICE that all of my payments are made in the store except 1 and that one payment that this transaction was suppose to take place.
Complaint sub-issue: Account information incorrect

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX card XXXX
Complaint sub-issue: Debt was result of identity theft

I have notified XXXX XXXX XXXX that an account in the amount of {$71.00} does not belong to me. Yet they still report it on to my credit file. I have also notified Equifax yet my request has been ignored to remove from my credit file. I am a victim of identity theft and did not open or authorize this account or at any establishment that XXXX XXXX represent. I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I will be forced to sue all CRS 's reporting this account and XXXX XXXX.
Complaint sub-issue: Trouble getting information about the card

Received EIP card but no PIN. Can't activate card or get anywhere on any website without the PIN. I can't even cancel it by calling XXXX or on the EIPCARD.COM website without the PIN. 

Can't use it, can't cancel it??????
Complaint sub-issue: Public record information inaccurate

I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( XXXX, XXXX, Equifax ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft & I have been trying to clean my credit up for years, I have multiple hard inquiries on my credit report that are fraud I have 99 soft inquiries and 50 of them are fraud I have tried disputing with complaints to companies they refuse to remove these fraudulent inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, I dispute some items on my credit report such as date of reporting and date of last payment. On XXXX XXXX, I receive the results of my dispute and items were erroneously deleted. These items should be placed back on my credit report this has resulted in my credit score dropping at least 30 points. My credit reporting is not showing accurately This mistake was made by Equifax and it should be fixed by Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax YOU BROKE THE LAW!!!
Complaint sub-issue: Reporting company used your report improperly

I was involved in the Equifax Data breach in 2017. I have already received calls from various potential lenders trying to follow up on my recent credit application, which was n't submitted by me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score XXXX stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.
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 {$2000.00}, {$0.00}, {$0.00}. 
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 {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Debt is not yours

From XX/XX/XXXX to XX/XX/XXXX I was assigned to the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX. During the time I was stationed in XXXX and lived in the Barracks I established an account with with XXXX and XXXX XXXX XXXX on U.S. Property. I received orders for reassignment to XXXX - XXXX XXXX in XXXX, XXXX in order to deploy to XXXX. The XXXX XXXX XXXX XXXX Community Center drafted and submitted an official letter to XXXX notifying them that I was placed on orders and will be terminating the agreement. In XXXX I began receiving collection notices and phone calls from several collection companies over the years as the debt was continually transferred from one US debt collection company to another. The debt does not belong to me because XXXX was notified that their services was no longer required but it appears that long after I was to XXXX and XXXX to XXXX, they continued to bill me for several years despite not using their service or even being in the country in which the service was established.
Complaint sub-issue: Account status incorrect

In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX  XXXX - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Account status incorrect

This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.
Complaint sub-issue: You never received your bill or did not know a payment was due

I received e-mail from Citi claiming that owe on their credit card more than {$1700.00}. The payment is due on the first of each month but I have not received their bill for the month of XXXX. I can not pay the bill which I have not seen. Moreover, I stopped to use this card after realization that the company does not have gift cards that I want or need. I asked them to mail me the bill but instead I received today telephone call with option to pay the bill that I have never seen. Unless Citi mail me the bills I will not be able to pay them nor will I agree to the interest and additional charges for not paying on time.
Complaint sub-issue: Company closed your account

On XX/XX/2021 I noticed my card kept being declined, despite me having money in the account. I contacted my bank ( XXXX ) to find out why and was told my account was frozen and they were doing a routing review and I cant access my funds during that time. I never received an email from them stating why my account was froze or how long their review would be. Customer support said they could not put me in contact with the department that does the reviews and hung up on me. When I email them for an explanation and a refund of the money in my account, I keep getting a generic response. They are stealing peoples money under the guise they are doing a review.