Johnade/consumer_complaints_cfpb huggingface dataset:
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 information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute 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 these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly.
Complaint sub-issue: Can't temporarily postpone payments

I took this loan out in 2006 prior to the financial collapse and new regulations of student loans. I have since made payments on this loan for the past 3 to 4 years until I have endured financial hardship and am unable to make payments. I requested an unemployment forbearance/deferment but was denied and was told my private student loan offers absolutely no temporary relief what-so-ever despite having paid on time for many years and never requesting a forbearance before. I have contacted several individuals at XXXX XXXX XXXX and KeyBank in an attempt to try to get some help but have been given the run around and repeatedly been given different answers. 
KeyBank should not be in the business of Student Loans. I 'll end up on the streets unable to rent or ever purchase a home because my credit will be ruined all because I could n't make payments to my student loans during a time of pro-longed unemployment. Since KeyBank affords no temporary relief during hardship and private student loans can not be discharged in bankruptcy, I do n't have any options left but to default on this private KeyBank student loan, face collection harassment, and an eventually a collections lawsuit I ca n't even afford to defend. There is absolutely no way I could immediately pay the remaining XXXX dollar balance immediately upon default as lenders demand and harass debtors with. Maybe if banks such as KeyBank would spend more time actually helping debtors find a job so they could actually pay their student loans, the student loan market would n't be in such a mess.
Complaint sub-issue: Charged too much interest

Tried to get a lower rate and payment today on Discover card. XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

CFPB XXXX  On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Complaint sub-issue: Debt was paid

The bureaus Inc has a debt on my credit report that says I owe them {$760.00} which was a debt I incurred to XXXX XXXX XXXX which I paid XXXX XXXX XXXX  for over 10 years ago. I can not contact the collections agency because they don't have a working phone number. Saying as the debt is over 7 years old and paid I want it removed completely from my credit report.
Complaint sub-issue: Information belongs to someone else

In XXXX of XXXX, my brother was moving to the XXXX XXXX for work and opened a checking account at US Bank located at XXXX XXXX XXXXXXXX XXXX XXXX  MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the XXXX XXXX in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When US Bank reported this to the credit bureau ( XXXX ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( XXXX ), I went to the US Bank branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have US Bank state I was responsible. I have spoken with US Bank several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( XXXX ) but can not discuss the issue with me. If US Bank is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Bankruptcy is on this report and needs to be removed immediately. I've sent a letter and still have not heard anything or had this item removed from all credit reports. 

They are in violation of two fair credit reporting act accounts. They have infringed my privacy and they do not have permissible purpose nor did they have my written instruction about this account.
Complaint sub-issue: Account status incorrect

We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX HXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Information belongs to someone else

A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a credit score decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX  XXXX hard inquiry on my credit report be removed from my credit profile.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX XXXX XXXX has scoffed off with 6 months of my social security XXXX income by locking me out of account so I cant report disputes, cancel card on account, see anything account information except for the diwindling balance disappear and myself not able to eat or pay rent or anything all my government funding gone and only way to contact them is by email that you send over and over but no response or resolutions of any kind how to I even close such fraudulent accounts?
Complaint sub-issue: Account status incorrect

I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.
Complaint sub-issue: Debt is not yours

I asked to close my XXXX acct when I move out to other rent house on XX/XX/XXXX. 
But they didn't close acct and took out money from my checking acct almost 1 year. 
When I found this I asked XXXX again close acct. and send my money back they took from my acct with their mistake XXXX. But they send me very very complicate form including police report, birth certificate, statement, proof ... .etc.to get out of their mistake. 
I gave up my money back and forgot about this incident. 
Now I found they put me in collection company from XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

Equifax I also sent them a letter on XXXX XXXX explaining to them that they are reporting inaccurate personal information on my credit report and received back by certified mail that they received my letter on XXXX XXXX. Here is my letter to them. to dispute the following information in my file. I have circled and highlighted the items I dispute on the attached copy of the report I received. These items disputed by Employer History : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. is inaccurate because the spelling of my current employment is inaccurate. The correct spelling should be XXXX XXXX XXXX  and remove XXXX XXXX XXXX. There is no identifiable information for this account XXXX XXXX XXXX XXXXOriginal Creditor : Available. Please delete How can closed accounts have a balance? Please delete these items listed below. XXXX XXXX XXXX  Act. # XXXX120 Days Late High Closed Balance {$10000.00} XXXX XXXX XXXX Act. # XXXX Closed Balance {$1100.00} XXXX XXXX XXXX Act. # XXXX Closed High Balance {$600.00} XXXXXXXX XXXX Act. # XXXX Closed Balance {$98.00} XXXX XXXX  XXXX  Act. # XXXXClosed Balance {$1100.00} _____________________________________________________________________ Inquires, these listed inquires below has no available information. Inquiry : XXXX XXXX IncDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXXContact : Not Available Inquiry : XXXX AutoDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXXContact : Not Available En closed are copies of my credit report supporting my position. Please reinvestigate this these matters and delete the disputed items as soon as possible
Complaint sub-issue: Card opened as result of identity theft or fraud

First Progress bank put a closed account on my credit report about 2 months ago. I disputed the account as fraudulent and they responded saying that they weee able to verify my identity. I have had a ro lemon with the credit bureaus opening credit accounts in my name without contacting me to verify my identity. Specifically XXXX allowing upgrade bank to open an account with fraudulent information. I am asking that First Progress remove this account from my credit report immediately.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/XXXX i reached out the macy 's store customer service regarding the payment. 
I called them and hold more than 45 minutes and then finally call was disconnected. 
Same thing i tried again XX/XX/XXXX but no success. Then i finally talked to them on XX/XX/XXXX. They said that we took the auto payment from the bank but i was rejected.They never notified me of the rejection and gave me late payment.I made them request to remove this late payment but they said that they can not help.Even i told them NYS governor made the announcement Banks and financial institutions will waive mortgage payments for 90 days for those with financial hardship as well as fees related to deposits and withdrawals as directed by the state 's Department of Finance, said XXXX.Credit scores will not be impacted by nonpayment of mortgages and foreclosures will be indefinitely postponed, said XXXX. But still they are not helping. Now i am unable to take any kind of loan or mortgage because of this mark.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I received a letter from Citi Bank stating that on XX/XX/XXXX they incorrectly credited my account for a payment of {$3500.00}. To correct the error they have rebilled my account. 
I have phone records indicating that on XX/XX/XXXX at XXXX and XXXX I called Citi Bank XXXX XXXX them know that I had been credited {$3500.00} and I did not think it was right. With both phone calls the representative on the line said that It was an anonymous donation and mine to keep. I tried doing my part by calling to let them know about the {$3500.00} credited and both times they said it was mine to keep. 
I called Citi last week to dispute this letter and they said they would file a dispute. I called again today XX/XX/XXXX to check the status of my dispute. No such dispute was on file today and I had to start over. After speaking with three different people they said because I spent the money I had to pay it back. I asked them about the representatives being responsible for miscommunication back on XX/XX/XXXX. They said they have no records of phone calls I made to them on that date. I found the records in my own phone service records so They lied about that also. 
They state at the beginning of all Citi Bank phone calls that all calls are recorded, they should have recordings of both phone calls I made in XX/XX/XXXX to prove that the mistake was on their part, not only with crediting the account but also with saying the money was mine to spend.