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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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.

-- AUTO ACCOUNT 1. XXXX 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: Information belongs to someone else

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

Inquires are fraud as well. Someone attempted to apply for things in my name while I was incarcerated. 

XXXX XXXX Mortgage XXXX XXXX XXXX Small Bus Admin XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX ( showing duplicate on my credit report ), XXXX ( Original Creditor XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXXL ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. Thank You
Complaint sub-issue: Delay in processing application

I applied and was approved for a credit card with discover bank XX/XX/XXXX. Before I was approved I talked to a rep and confirmed my identity due to a fraud alert being placed on my credit. About a week later, I received an email from discover asking for me to sign an irs 4506-C consent form for them to pull request my tax transcripts for verification purposes. I signed the form, about a week later, I go to activate my card and I cant so I called their rep, who tells me their waiting on me to sign to form and to complete to process so they can unrestrict my account. I informed her that I signed the form a week ago and I verified all my information on the phone with a rep when I first was approved for the card and asked what else are you trying to verify. She just told me that once everything is verified that I will get an email, well now here we are almost 2 weeks later, I still havent received an email or anything from discover regarding this matter and my card can still not be activated
Complaint sub-issue: Problem with fees

I called Commerce Bank back in XXXX about a {$2.00} charge due to amount subject to interest was below chargeable amount. With that being said I had receive correspondence in the mail about 0 % APR through the end of the starting on a certain date in XXXX. I had misread the correspondence and charged $ XXXX 2 days before the 0 % APR actually started. Well I charged a couple of other items in the 0 % APR timeframe. So I received the statement for that month and send in payment for {$920.00} so I would not be charged any interest. Well that is when I received statement with {$2.00} fee and called the 1st time which took well over a hour to get ahold of anybody. I explained that the {$920.00} should of been applied to all of the subjected $ XXXX that had interest. They explained to me that {$30.00} was not paid off from the {$920.00} mailed in. I explained that the the amount that had interest should be applied first which would of cleared the $ XXXX and the other amount would not of accrued interest. Some supervisor then waived the fee and an agent said it was fixed. Well get the XXXX statement that included the same fee and once again called in to get fixed which stated a supervisor would call me in a few days. No call so called back and got the same thing ... ... no call at all. Get the XXXX statement with same fee. Now I'm filling this complaint as they did not apply the entire {$920.00} to the subjected $ XXXX that would have had interest.
Complaint sub-issue: Information is missing that should be on the report

Equifax has erased all but one account from my report. This is effecting my life in a major way. It happen in XX/XX/2019 and I have been trying to get them to add my accounts back on them every since. The accounts are being reported by the lenders however due to a technical error those accounts are not showing up on my Equifax report. I have contacted Equifax about the one the last 2 years but this is still a problem please advise. and thank you.
Complaint sub-issue: Unexpected increase in interest rate

i got  two a ccounts with  US b ank with a low rates promotion, and i set up automatic payment from my bank account for more than a minimum payment of {$45.00} every months, then this bank increase my minimum payment to {$68.00}, {$71.00}, {$72.00} and so on without my authorization, due to my bank charge me overdraft protection fees. not even i called them to close the account and membership of {$99.00} a year never reimbursed to me, and receive a lower APR offer to me not he % 16.99 i have currently in other to pay my debt friendly.   i am wondering is nobody can stop this abusing practice to the customers in  USA , and i hope you can help me to find a good solution f my case.   sincerely   XXXX   XXXX    XXXX  account  XXXX ,  XXXX   US BA NK   XXXX   XXXX   XXXX   XXXX   XXXX  , MO  XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX. XXXX / XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I disputed, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 i purchased 2 garment bags from macys- using their credit card. On XX/XX/XXXX they claimed the items were delivered to me- they were instead delivered to a store. On XX/XX/XXXX i called Macys customer service and requested a refund and they agreed to a refud. On XX/XX/XXXX Macys emailed me denying a refund for the items- claiming it was delivered to me. The merchandise was never delivered to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.
Complaint sub-issue: Their investigation did not fix an error on your report

During the past six months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.
Complaint sub-issue: Other problem getting your report or credit score

Hi On Monday, XX/XX/XXXX I tried to get a service from website called XXXX, in order to get their payment plan they need a credit check from Equifax. 
I got an error from them that they cant obtain my credit report from Equifax, I have called Equifax and based on what they said they dont have my information on their file. They asked me to send them a copy of my SSN to their fax or their mailing address. I have sent them both to their FAX number and their mailing address, and I have proof that they have received them both. 
today Monday XX/XX/XXXX, I have called them many times and they dont know what is going on they tell me they haven't received my documents. 
then today they told me to check with my company that i work with, I did, they informed me they report all my correct information to IRS. so problem is from the credit report company. 
I dont know what is going on but i need a copy of my credit report from EQUIFAX, these are all despite the fact that i can easily and simply take them from FICO and XXXX, its just this company website that i need to use only can verify by equifax,.
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 {$0.00}, {$0.00}, {$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 XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

18 U.S.C 1082 ( a ) This company breached my personal information without my consent.

15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent.

15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report. 
12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Complaint sub-issue: Information is missing that should be on the report

While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/2016 and Discharged in XXXX. The obligation with PNC survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Complaint sub-issue: Talked to a third party about my debt

Allied Interstate contacted me after I had my attorney deal with Allied Interstate 's Client XXXX XXXX. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between Allied Interstate or and any third party agency representing XXXX XXXX XXXX. They ( XXXX XXXX XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to Allied Interstate. I believe that this is a form of severe harassment as outlined in US Code 15 Fair Debt, Collections Practices Act. As Allied has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against XXXX XXXX XXXX and XXXX and Allied Interstate. I am offering the company Allied Interstate an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act bankruptcy account # XXXX and # 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. 

I did not give them written instruction.
Complaint sub-issue: Billing dispute for services

I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.
Complaint sub-issue: Information belongs to someone else

XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are Discover Bank : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Discover Bank XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Application denied

The credit card company denied my application upon my response to its promotional offer and repeated its denial twice afterwards upon my applying for reconsideration. 

The credit card company sent me a letter ( photo copy attached ) listing the reason for my having been denied the credit card I applied for. 

I object to the reason in the letter attached as follows : I am only utilizing only eight percent of my available revolving credit that has been extended to me by credit cards companies including this credit card company which I pay off completely every month and maintain a XXXX balance presently with this credit card company on two of its credit cards.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX  XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX XXXX ( XXXX )