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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$280.00} ; XXXX  XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status

I contacted them to update and delete inquiries that should be coming off my credit report this month and they illegally pushed the date of removal to the next month. There is also a reported closed account that has been paid in full that has not been removed despite providing proof that it should be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX National Credit Card Cos. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX National Credit Card Cos . 
XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}
Complaint sub-issue: Fee problem

The Bank of the West charged me a overdraft fee XXXX but there was nothing overdraft... 
They claim that, during the day on the XXXX the account was overdrawn, however by the end of the business day, the account was positive. 
Due to that, they assessed a fee. 

However, they were unable to show me this on scree/in writing in any way. 
They refused to email or print anything out for me and XXXX time asked me to get a calculated so they could tell me figures over the phone and I could 'work it out myself '. 

I don't want compensation, I want this bank investigated please. 

I have found 3 charges, now that I look back, and maybe more. 
Charged for no reason, nothing bounced, nothing was overdrawn and no day shows a negative balance. 

I also spoke to another Bank of the West branch about this, they said that all calculations are done at the end of business and fees are to be charged on an account at that time, not arbitrarily throughout the day at random times. 

If this was the case, I would have had many many charges as my account did go under at times, and I would run to the atm to deposit what was needed. 
This is clearly not the case and by them making excuses for mistakes rather than owning up, all I can think is How many people are they doing this to? How much money are they taking in 'fees ' improperly. 

Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Letter was received XXXX or XXXX XXXX from ERC claiming to be for collection of an overdue balance due XXXX XXXX of {$440.00}. ERC claimed account could be settled for {$310.00}. We have never had ANY dealings what-so-ever with XXXX XXXX. We do not desire to deal directly with XXXX  or ERC if it will suggest ANY legitimacy of this debt.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

XXXX XXXX ( previously of XXXX, MA ) had purchased a used XXXX in XXXX XXXX. 
The car dealership made the loan with US Bank. After XXXX set up automatic monthly payments via US Bank website, unfortunately the US Bank overcharged her account. XXXX reported the overcharge. US Bank apologized for the error their service overcharged, but did not refund bank charges for over draft. 
Not being able to trust US Bank, XXXX elected to pay off the loan a few weeks later. Account number XXXX US Bank still owes her {$750.00}, four years after she paid off the loan early. 
XX/XX/XXXX US Bank mailed her a letter stating they had issued check number XXXX for {$750.00} on XX/XX/XXXX, but the check had not been cashed. XXXX has called multiple times to state that she never received the check. Customer service states they can " see '' that a refund is owed, but have told XXXX that " someone will investigate '' and call her back. One customer service rep told her that the letter signed XXXX XXXX XXXX had supplied a " wrong number '' XXXX. They could not supply a correct number to telephone, but suggested XXXX write a letter and mail it - as in what people did before the internet was invented. XXXX did snail mail a letter to the XXXX XXXX XXXX XXXX MN XXXX but it was returned as " no such address ''. Calling back again and again, XXXX has been told to call " XXXX XXXX '' at XXXX. 
Please, it's been over four years. Could they please issue the refund check as they claim they did over a year ago? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 i sent a letter to Equifax asking for any and all documentation that they have verying these accounts are actually mine.also with the i sent a photocopy of my Driver 's License, Social Security Card and address.only for Equifax to reply back saying that they can not find a credit file with the identification information that i sent.these are the accounts listed.and they also asked me to send a copy of my driver 's license and social security card. 

XXXX XXXX {$580.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$450.00}
Complaint sub-issue: Frequent or repeated calls

XXXX from Direct Capital called me ( an unrelated party to the obligation ) in an attempt to locate their debtor. When I told him I was not the person they were looking for, he proceeded to tell me that they were attempting to collect on a bad check for this 3rd party that I am not on an account for ( although I am sure they found me via skiptracing as I do know the 3rd party ) I then explained that he was violating privacy laws by telling me this persons business as it was not mine at which he stated that 'he could have his attorney contact him as well ' The number they called me from was XXXX. 

Had he simply asked me to relay a message without disclosing personal information, I would have done so.
Complaint sub-issue: Account information incorrect

I would like have my XXXX XXXX XXXX account updated the amount should XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear US Dept of Edu/ Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX I sent a letter to Carmax about the inaccurate information about the amount that was owned by me and a spouse at the time. I asked them to send me paper work in regards to the vehicle being repossessed in the cities of XXXX or XXXX  XXXX, MI and why I was not notified about this matter and how much was it sold in the amount of. I did some investigation and saw it was sold back on XX/XX/XXXX but with no amount as to how much. I then sent a letter to CARMAX give them 15 business days to respond back to me on the matter. I received no responds back. 

The three credit bureau 's shows even more in-accurate information as in high balance being {$13000.00}, Balance {$5400.00} and showing collection/ charge off with no comments showing repossessed and what it was sold for. 

Carmax is still growing interest on my credit report and at 13.05 % interest rate and the payoff balance is {$8800.00} as of XX/XX/XXXX, subject to change. 

On XX/XX/XXXX I sent a letter to all 3 credit bureau 's with a dispute of all the in -accurate information showing on my credit they did a investigation and the only thing i received was an update but nothing changed. XXXX never respond to me at all about the dispute. For every matter I sent a certified letter with the post office also. There is no dispute with XXXX at all also. XXXX did only an update of the same information that was already there.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX Account : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX  Source XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX  and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX  sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!
Complaint sub-issue: Information is not mine

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX processed a request for a change of address to a fraudulent address. I recieved the copy of the address change in the mail thus alerting me that is fraud activity. This enabled the thief to utilize my visa card, change the address and have access to confidential information. This accelerated an additional fraud with XXXX giving access to both accounts .... as the statements were mailed to the fraud address of : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
A report was filed with The City of XXXX Police, case # XXXX : XXXX, as well as with Credit XXXX Bank .... the original offender and XXXX . 
XXXX XXXX XXXX has refused to remove the fradulant fictitious address information from My Equifax credit report.They were the original ones that caused the felony. 
XXXX has processed the claim and credited back ALL of the fraud charges. 
XXXX had corrected the address.as the fraud claim is still ongoing. 
I am XXXX in Florida. 
It is imperative that the incorrect Fraudulent address be removed from my credit reports.
Complaint sub-issue: Information belongs to someone else

On XX/XX/18 I obtained my EQUIFAX credit report ( Report # XXXX ) and after reviewing it I noticed that I have 3 negative accounts and 4 inquiries that I do not recognize which is definitely fraudulent. The 3 negative account is indicated on the attached letter as well as the unauthorized inquiries. and I have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Equifax but to no avail it is still on my report. This is affecting my credit and I am asking for help with this matter immediately. Thanks
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 {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. 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: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX, DISCOVERBANK, and XXXX/XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ), DISCOVERBANK, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX 8.  XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I recently filed another dispute with Equifax on XX/XX/XXXX regarding an inaccurate account reporting on my credit file. CFPB I desperately need your assistance with this matter as I have been fighting this battle with Equifax for almost 2 years. I have disputed this inaccurate account and they will remove it and then months later put the inaccurate account back on my credit report. The company that was reporting this account has also sent the correct information to Equifax however they continue to report inaccurate information. The account in question is XXXX XXXX XXXX XXXX ACCOUNT # XXXX. This account was included in a XXXX bXXXX XXXX  XXXX in XXXX, that is no longer on my credit file as it has been over 10 years. This account is reporting as a charge off with a balance of {$20000.00}. This information is inaccurate and I demand Equifax remove this account from my credit file immediately. I am tired of filing disputes for them to remove this account and then add it back months later. This is a violation of my consumer rights per the FCRA. This is my last attempt to resolve this matter with Equifax. If this account is not remove I will file for litigation immediately. I have provided Equifax with a letter that I received directly from XXXX XXXX XXXX XXXX stating this account was included in a bankruptcy. CFPB please help me as this matter is causing me a great amount of emotional stress.
Complaint sub-issue: Trouble getting, activating, or registering a card

I, purchased the above {$200.00} Gift Card. However, Someone illegally registered their name to this card. I explained to customer service that the name registered to this card is illegal and fraudulent. I 've sent them numerous faxes and mailed them letters to prove my ownership of the card but the company has ignored me.
Complaint sub-issue: Charged too much interest

XXXX has been notified to discharge the alleged debt and contract via signature and contract. This contract or loan has been deemed usury in the XXXX XXXX XXXX XXXX contracts defined. 
( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( XXXX ) As amended by chapter XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX which amended subsection ( XXXX ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.