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

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 you 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX* Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Fee problem

On XX/XX/XXXX19 I logged into my account to check my balance and if check # XXXX for {$50.00} had posted. The check had not been presented but the balance was only {$18.00}. I then initiated an instant deposit for {$54.00} externally through XXXX, the merchant processor for credit payments. Proof of deposit and date attached. Bank of the West ( BoTW ) is a participant in instant deposit and I have previously taken advantage of this service from XXXX with BoTW. When I logged back into the account on XX/XX/XXXX check # XXXX still had not be presented, but my instant deposit was. When I logged in on XX/XX/XXXX, check # XXXX was presented as well as my instant deposit of {$54.00}, however a fee of {$35.00} was assessed. I reached out to BoTW on XX/XX/XXXX and spoke to two bankers before speaking to a supervisor, XXXX. XXXX told me because my instant deposit had not " posted '' until the XX/XX/XXXX, although presented and available on XX/XX/XXXX, I was charged a {$35.00} fee. I asked XXXX if BoTW was an instant deposit participant and she attempted to refer me to their online banking department. I was not sure how that internal department could assist me, so I presented the following scenario : If both my current and available balances were {$0.00}, XXXX, and I initiated an instant deposit externally for {$50.00}, would I have immediate access to the {$50.00} deposit. XXXX 's reply was " not necessarily '' which seems to imply there is some degree of ambiguity in how BoTW makes funds available and fee assessment. XXXX then confirmed that the information provided was the extent she was able to assist me and did not reverse the fee. I asked if I could the dispute the fee said no. When asked if BoTW was self-governing XXXX attempted to refer me to my branch manager. I asked if the branch manger would present the same unresolved conclusion XXXX said yes. I asked one last time if BoTW was not self-governing how can I dispute the fee and XXXX deflected the inquiry as asking " legal advice '' about outside agencies that govern BoTW. As of XX/XX/XXXX19 the {$35.00} has not been reversed. Attached image shows two other instant deposit transactions that were used to avoid insufficient balances.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX xxxx XXXX Account Number : XXXX xxxx 496 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX XXXX XXXX : XXXX xxxx 6271 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/18 {$110.00} was taken out of my account from XXXX XXXX without my permission. I did not set up any payment arrangement with XXXX XXXX. 

Taking this money from my account put me in hole financially.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing XXXX XXXX XXXXXXXX on my credit report for months now. Today I received a letter from XXXX XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.
Complaint sub-issue: Account status incorrect

This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
Complaint sub-issue: Investigation took more than 30 days

i have submitted disputes to you and didnt get a responce in 30 days and you are required by law to do so. please investigate my disputes thank you
Complaint sub-issue: Investigation took more than 30 days

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Complaint sub-issue: Reporting company used your report improperly

I am most likely one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

The breach lasted from midXX/XX/XXXX throughXX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, Corelogic Credco, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Complaint sub-issue: Debt is not yours

I was contacted by Jefferson capital for a debt in the amount of {$230.00} from XXXX. The date given to me was in XX/XX/2012. I have let them know that this is not my debt and that they need to stop contacting me ; yet they are still sending me letters. When I tried to call them he asked me for my Social Security number which I absolutely refuse to give over the phone to anybody they need to stop bothering me with the stuff thats almost 10 years old its not mine.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withdrew {$200.00} from my US BANK XXXX card. I took too long to retrieve the money and the money was sucked back into the ATM. I've filed a regulation E with both companies, keep calling both companies but keep getting told they are waiting for the other to call them. This should be a very easy fix. I called both companies on XX/XX/2022 to report this issue but still have not gotten my money back.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Complaint sub-issue: Their investigation did not fix an error on your report

I have hard inquiries form XXXX, XXXX and XXXX that were deleted but I notice they were reinserted. My social security number was listed in the Security Breach and they should n't have been reinserted without sending me a 5 day notice.
Complaint sub-issue: Don't agree with the fees charged

From XXXX no one has been able to provide two things that I need for the validity of repayment and what I am owed back since this has been active for over 20 years, and many items have been lost or poorly managed. 
I need a breakdown of ALL my INTEREST and PAYMENTS made from XXXX ( lost documents ) I can not be treated fairly in this process regarding XXXX XXXX changes if all of these companies keep denying me the information I request. 
This, too, will be sent to the XXXX XXXX.
Complaint sub-issue: Don't agree with the fees charged

My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. 

Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, XXXX, Equifax ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I attempted to change my payment plan to a standard repayment plan. On XX/XX/XXXX I was notified that my student loans had placed in deferment. I submitted an email pointing out this error and requesting that it be addressed. In response I received a stock letter and no further contact.
Complaint sub-issue: Fees charged for closing account

On XX/XX/19 I tried closing my checking and savings Keybank accounts via customer support, as I moved to a state that doesn't have a branch. On XX/XX/19 I received a confirmation email. On XX/XX/19 I received a charge off notice via mail from Keybank stating I owe them the service charges that have been accruing for the previous three months on the savings account I thought I had closed. 

I called the Keybank customer support line, and the representative said there was nothing she could do and forwarded me to the debt collections department. That representative also stated there was nothing they could do as the only action they could take was to collect the debt. She did suggest I call the branch where I opened the account to see if they could help. They could not. The manager didn't even know that accounts could be closed over the phone. 

Without any other options, I scheduled the balance to be paid off on XX/XX/19. This was an extremely frustrating situation that was the fault of Keybank. Their representative did not close all the accounts I requested. Mistakes happen, but Keybank made no attempt to rectify the situation. If I ever move back to a state that has a Keybank branches, I will certainly not be a returning customer and would suggest that others avoid them.
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 {$890.00}, {$8500.00}. 
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 ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I am not understanding why the word our is capitalized on the dispute results. I chose the best categories for the dispute.
Complaint sub-issue: Debt is not yours

This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX  and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.
Complaint sub-issue: Account information incorrect

Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different American Express accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and XXXX XXXX credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.
Complaint sub-issue: Problem lowering your monthly payments

I have a private loan by and through Discover Student Loans which bears a 10.875 % interest rate. My social security number is XXXX and my name is XXXX XXXX XXXXt f/k/a XXXX XXXX XXXX. Over the last 7 years only {$3000.00} has been paid on this loan based on the way this loan is structured. Should you require additional information please contact me at XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.