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 the 3 Credit Bureaus 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 remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Their investigation did not fix an error on your report

On XX/XX/XXXX I opened a letter from IC systems telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to IC systems that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and XXXX credit reports, it was an open collections from IC system 's for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, XXXX is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX on XX/XX/XXXX asking if they had sent the letter to IC systems telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe XXXX got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.
Complaint sub-issue: Deposits and withdrawals

On XXXX/XXXX/XXXX, we make a deposit of cash and a business check into our personal checking account. The cash was in the amount of {$3000.00} and the check was in the amount of {$3900.00}. As in Past deposits with cash, we were told that the cash would be posted to our account and would be made available immediately. When the bank decides to hold our cash for 24 hours is often inconsistent, but does seem to correlate with whether we have additional funds in our checking account. If our count is lower, it seems that the cash is held and money is pulled from our line of credit and fees are assessed for this. If we have a lot more funds in our checking account, the cash is made readily available. As of today, XXXX/XXXX/XXXX, both the business check and cash are being held as pending And money was pulled from my line of credit. When I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediatel when I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediately. This seems to Me like a way to fraud customers and force him into using your line of credit so that additional fees can be assessed. I would like a response to this and resolution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX -XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Complaint sub-issue: Account information incorrect

my account balance has not been updated to reflect my current balance
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Was calling around to inquire about mortage/HELOC rates, had one sales rep say he can " pre-qualify '' me without it hurting or any bad marks hitting my credit report, after the phone call my credit had an inquiry that I did not want and went down about 5-6 points. I tried calling the issuer at XXXX but says company is no longer in service, I feel like I've been taken advantage of. 
I have since frozen my credit reports to prevent any further unauthorized inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Complaint sub-issue: Account status incorrect

This account was paid off on XX/XX/2022 to Ally Financial. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.
Complaint sub-issue: Received bad information about your loan

Hi, a while ago I contacted Mohela to request my deferment be removed. I was told that I could not do that because I was still in schoool. Mohela gave me the runaround multiple times so I moved to XXXX XXXX. Now Mohela is handling PSLF so I have no choice but to use them as my servicer. I am trying to remove deferment retroactively to XX/XX/XXXX. Payments were paused around that date and since that point payments were {$0.00}. 
Mohela gave me bad information and I have since learned that XXXX WAS allowing PSFL eligible people to retroactively remove deferment for this reason. I didn't take out more loans since before XXXX, so I wasn't adding to my loan balance. I want to get credit for the payment pause toward PSLF as I had asked previously. 
Mohela is also not showing my dates correctly now -- all of my loans show as XXXX but I stopped needing to take out money to pay for graduate school much earlier than that. My old messages are gone from Mohela as it shows they delete messages after 12 months. But I DID contact them with this request. 
Also, they sent me a tax statement claiming I had paid over $ XXXX in interest last year which I had not done. All I had done was move to XXXX XXXX. 
I know these are multiple issues, but the one I'm most concerned with is why they claimed I couldn't take deferment away while still enrolled in graduate school to take advantage of the {$0.00} payments counting toward PSLF. 
I do have record of correspondence with Mohela dating back to XXXX wanting to update my status, but do not have the emails since Mohela deletes them and they don't send the content of e-mails in their notice of a new message. 
Please feel free to contact me with questions. I really hope I can get credit for those payments since I did ask them to remove it.
Complaint sub-issue: Inadequate help over the phone

I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.
Complaint sub-issue: Company closed your account

I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. 
On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.
Complaint sub-issue: Funds not received from closed account

I recently opened a savings account with Citi on XX/XX/2021. My savings account application reference number # went under review & closed until I sent over documents such as a utility bill and my drivers license. After I sent the documents that were needed, I was told that the review specialist rejected my utility bill because they couldnt verify it. It is now XX/XX/2021, Ive sent the only utility bill I have more than 3 times and confused on why the utility bill I sent was rejected. The utility bill has my name and address on it. So XX/XX/2021 I also sent my lease agreement because it includes my water and trash bill. That also was rejected. Im very disappointed in how I was given the run around with multiple representatives telling me I wasnt going to be able to receive the {$500.00} back that I initially deposited from my XXXX XXXX checking account. Then some time in the beginning of XXXX a woman by the name of XXXX XXXX ( Executive Response Unit ) with Citibank Client Services contacted me to further assist me with more direct contact with Citibank verification department. She was the only one who explained a couple of things to me. She did let me know that I sent my lease agreement from last year and not the current year, which is why they rejected that. So XX/XX/XXXX, I sent the current lease agreement with the correct dates and also the water bill and trash bill that the apartment complex has the service with along with my payroll stub. They also rejected those with no reasoning. Everyday I have checked the Citibank mobile app to make sure my funds are still there, on XX/XX/XXXX the funds were withdrawn by Citibank and put in their ledger. On XX/XX/XXXX, XXXX called me to let me know that I wouldnt be able to get my money back until I was able to verify still when previously I was told that if I didnt verify they would close the account completely and mail me a check. But now its a complete lie that they told me. I even asked if they could just transfer the money back into my XXXX XXXX account and they wouldnt even do that. I needed the money for medical expenses ( XXXX ) and now Im behind on that bill because of this situation. It's been more than a month, all I want is my money to be refunded and returned to me.
Complaint sub-issue: Other problem getting your report or credit score

Ive been trying to look into my credit score but for some reason it keeps saying my credit score isnt found with the credit bureau. Is there a reason why my score cant be seen on any website?
Complaint sub-issue: Was not notified of investigation status or results

Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for ligitation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,
Complaint sub-issue: Transaction was not authorized

This is regarding our crypto trading account on Coinbase ( Pro ) : XX/XX/XXXX : I initiated a deposit of {$3000.00} from our savings account at XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I got notified from XXXX XXXX XXXX XXXX that an attempt to withdraw {$3000.00} failed with a {$35.00} charge. I deduce Coinbase tried to get the money from XXXX XXXX XXXX XXXX account, due to insufficient funds the {$3000.00} transaction were denied ( bounced ). 
XX/XX/XXXX : I got an email with a link to try again. Ensuring that there were sufficient funds, I transferred the {$3000.00} using the link with the email. 
This transfer was successful. I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' XX/XX/XXXX : I got a notification from XXXX XXXX XXXX XXXX that there was a pull that failed and I would be charged {$35.00} again. I deduce that for some reason, again Coinbase tried to get the money from XXXX XXXX XXXX XXXX account. 

XX/XX/XXXX : At XXXX XXXX  I got an email with a link to try again, saying that it was our {$3000.00} request from XX/XX/XXXX that did not work. From the screen shot it shows that at XXXX ..., XXXX withdrawals of {$3000.00} were taken out of our account and one withdrawal of crypto currency of {$3300.00}. At XXXX XXXX  I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' I realized the above happenings of XX/XX/XXXX after I logged into my Coinbase account a few hours later and noticed the big drop in portfolio. And also that a new bank account ( XXXX ) had been added to my account without the necessary 2-factor authorization. I removed it and then immediately contacted Coinbase and asked if my account had been hacked. They sent me through their standard procedure of verification. I did all the verification and found that nothing of mine had been hacked. I observed the emails received from Coinbase on XX/XX/XXXX ( {$3000.00} ) amount and the withdrawals from our account all {$3000.00} amounts. I then inquired with Coinbase whether was it possible that these withdrawals were made in error by Coinbase. My account was then frozen and since then no response to repeated requests have been answered. The 6 withdrawals have not been returned, nor do we have access to our account. Dozens of email requests, complaints, tickets, ... have had no response. On XX/XX/XXXX my portfolio prior to the withdrawals had approx {$42000.00}. 
I also submitted a complaint directly to Coinbase on XX/XX/XXXX. On XXXX they said they would need an additional 20 days to look into this. 

Appreciate any help you can provide to resolve this matter. We have been helpless for over a month.
Complaint sub-issue: Information belongs to someone else

I submitted a complaint last XX/XX/2022 to delete : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Complaint sub-issue: Information belongs to someone else

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT.

A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing.

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through Equifax .

The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.