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 {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Complaint sub-issue: Public record information inaccurate

I submitted a disput to equifax stating there were errors in the two bankruptcy entries I have on file. I responded to the courthouse and they gave me the correct dates which were reported wrong by equifax. I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate. I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX, but then the same inaccurate information reappeared on XX/XX/XXXX. No proper investigation in my opinion was done and they should delete.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file.
Complaint sub-issue: Information belongs to someone else

Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Complaint sub-issue: Received bad information about your loan

I have received your denial letter ( body noted below ), and Im confused. On three separate occasions ( XXXX, XXXX, and XXXX ) when I spoke to your representatives via telephone, I was told everything was good to go, and to halt continuing making payments, because I would just get this money back anyhow, and it would mess things up if a payment was made after approval. I have been making payments since XXXX, when you said that I needed to be making payments of {$580.00} per month to accumulate 12 months of payments. With the advice of YOUR employees, I halted my XXXX payment. Now Im told by you that I am supposed to make these. This is extremely confusing and frustrating. 

According to the CARES Act, dated XX/XX/2020, months during the pause will continue to count toward the 120 payments required by the Public Service Loan Forgiveness program if the borrower works full time for a qualifying employer during the suspension period and also toward payments that are required to receive forgiveness under an income-driven repayment plan. 
I am seeing data that states that I had to already be in an income-driven repayment ( IDR ) plan prior to signing of this bill. Is this the reason for the denial, or is it as your employees stated to me, that I am automatically included in this? But since I am actually NOT in an IDR ( just the equivalent ), does this even matter?
Complaint sub-issue: Card opened as result of identity theft or fraud

DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX, DISCOVERBANK XXXX )
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a Citi Premier card and was supposed to receive a bonus of XXXX points. the bonus terms stated that I would not be eligible if i had opened or closed a Thank You points account in the past 2 years. I had not opened or closed any accounts, in fact I have 2 open with them apart from the one in question. I called several times and was told the issue would be investigated, and it never was. One of the issues in identifying the problem was also that I needed to change my credit card number at one point due to having lost my cards, which made the process more confusing to the representatives. Finally I spoke to a lady who seemed very knowledgeable on the issue, and she told me she believed the issue was due to me having downgraded a card to a no annual fee card. We both agreed that a product change was not a opening or closing of an account, and that the bonus should have triggered. She said she would forward the issue to a department and have it investigated. It's been several months, and the bonus was never put onto my account.

Furthermore, I also requested a new card be sent to one of my authorized users who was stuck in XXXX. I was told multiple times on multiple phone calls that the card would be sent. I gave the representatives the address in XXXX multiple times, and every time, the cards would be sent to my house, many many days later, instead of where I needed them to go.
Complaint sub-issue: Trouble with how payments are being handled

between XX/XX/XXXX until XXXX XXXX the FedLoan.org has been mis-managing my payments. The interest was not applied correctly to my balance. As a result my $ XXXX loan is at $ XXXX after 7 years of payments. 

I have not been able to get a reasonable explanation from them after several attempts. 

Furthermore, in XXXX XXXX, when my loan was paid off due to re-fi, the FedLoan.org was overpaid by {$980.00}. Since XXXX. I have not had luck getting them to refund this overpayment.
Complaint sub-issue: Old information reappears or never goes away

All 3 bureaus contiue to report Great Lakes which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted Great Lakes, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
Complaint sub-issue: Company closed your account

DIscover revoked my account though my payments were on time. They said they saw something on my credit report and decided to close my account. In addition to revoking the account which they agreed had an outstanding payment history, they reduced my credit limit on my credit reports to the balance owed. This lowers my credit limit to debt ratio which further hurt my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I submitted a dispute to XXXX about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed XXXX that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed XXXX to Delete ( not update ) this account. On XX/XX/2022, XXXX updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. XXXX is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$830.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Not one complaint I have with direct express has been addressed. XXXX XXXX, Comerica XXXX, Senior Vice President, XXXX and all other employees of Comerica XXXX that respond to my complaints have dismissed every issue I have with the Direct Express Card. The Direct Express Employees do not answer or respond consistently to emails. The Direct Express Employees initiate email contact and that is it. I DO NOT HAVE A PHONE. I DO NOT HAVE ACCESS TO A PHONE. I DO NOT USE TELEPHONES!!!! This matter with all my complaints therefore can not be resolved over the phone. I have filed CFPB complaints XXXX XXXX XXXX XXXX none have been resolved even addressed. Now it is about three years later, and I only have a dispute number-XXXX. It took two to three years to get a dispute number. I have not received any reply to a request for status update. I have no idea if my profile information has been updated. The online banking is too limited to conduct any banking needs. There is a phone requirement that is prohibitive to receiving services. The customer service is abysmal, slow, and ineffective to conduct time sensitive business. You can XXXX  direct express and with the complaints to other federal, and state monitoring and regulatory agencies it is apparent that the Direct Express Card is not serving the population contracted to service in any beneficial manner to that population. Contrary to any positive press the experience of the card holder is daunting. You can see in the reports about Direct Express that the phone line is not answered as you are told to keep calling until you get thru. I do not have a phone. There is no accounting by Direct Express or Comerica bank for those who do not have the privilege or ability to use a phone. That discriminates the users even further since having a phone is not proof positive that you will receive timely, continuous, and courteous service. There is a definitive lack of professionalism in handling of complaints.
Complaint sub-issue: Problem with fraud alerts

On XXXX 2014 my SS was stolen & used, and my Computer was acked : finally 2 years later they have taken out a lot but there are still error I am XXXX years old. my car was in the shop for repairs XXXX I need it for going to the grocery & Dr. appointment plus I had in 2014 XXXX & XXXX must see the XXXX XXXX XXXX time each years, My S S is very modest, please help me Thank you XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX XXXX tel. XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.
Complaint sub-issue: Trouble with how payments are handled

My student loans were consolidated and myconsildation payments started in XXXX, however PhEAA is still actively reporting my loan in default every month as recent as XXXX. I understand the initial default being reported and not coming off for 7 years however they have not updated the report to indicate it is currently consolidated and satisfactory. It still shows as if it is currently in default and is heavily affecting my credit score. This is not acceptable. Please look into this and get back to me.
Complaint sub-issue: Problem getting your free annual credit report

After learning that someone had access my profile and placed unauthorized delivery diversion instructions with a major package delivery company, once in XX/XX/2020 and then again in XX/XX/2020, I called/went online to request a freeze and get a free online copy of my credit report from Equifax and the other two major credit reporting agencies. In XX/XX/2020, I was told by an Equifax representative that I needed to submit a request and proofs by mail. I was told that the reason I needed to submit a written request with proofs was because I hadn't lived at my new address at least six months. Now, in XX/XX/2020, more than six months after I notified the post office and government of my address change, and nearly as long since I started using my new address at financial institutions and public utilities, I'm told by an Equifax representative ( only able to get through using my old address ) that I am still required to mail my requests and proofs, without any new explanation. I've had no difficulty placing freezes ( in XX/XX/2020 ) and getting free online credit reports with XXXX  and XXXX. My most recent XXXX  and XXXX  reports, generated XX/XX/2020, show my new address in the addresses section. XXXX  and XXXX  provided these reports to me online, through the XXXX website, in the same web session that I requested the Equifax report. I feel like I'm being singled-out and treated unfairly by Equifax, since the original reason Equifax gave for not providing the reports by phone/online is no longer valid, and they offer no new reason. When, years ago, I had an identity theft and tried to get a freeze and report from Equifax, and got the same response, only from Equifax and not the other agencies, about needing to mail proofs before they could do anything for me, so it doesn't appear to me that this is something new. I don't understand what causes Equifax to apply a different standard to me than they apply to some others - the most recent Equifax representative I spoke with said that not everyone is asked to submit their requests by mail and with copies of proof documents. Since Equifax only requires copies of the proofs, and not the originals, why don't they at least make it easier by allow submission of the copies online or by email? It makes me wonder if the company may be acting in such a way as to deter people from requesting these services from their company, while still conforming to the letter of the law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The credit report showed credit inquiries that I dont recall authorizing. 

I sent letters to Equifax disputing the inaccuracies of the following inquiries : XXXX/XXXX  XXXX  XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I sent letters on the following dates : XX/XX/XXXX - No response from the agency. 
XX/XX/XXXX - No response from the agency. 
XX/XX/XXXX - No response from the agency. 
XXXX - Received letter from agency states they are factual. Did not send the method of verification that they used. 
XXXX - Haven't received response yet.
Complaint sub-issue: Personal information incorrect

I have been having several problems with Carmax Auto Finance, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by Carmax Auto Finance and they have forwarded this information to the credit bureaus which is causing an issue on both sides.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, Equifax and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
Complaint sub-issue: Account status incorrect

I got behind on my payments in the XX/XX/XXXX, I realized the reason I was having issues is due to scheduling of my payments. I contacted Ally, they stated that I could sign up for automatic withdrawal of my account for the rest of my account if I was current on ALL OF THE FEES AND PAYMENTS. So that's what I did, Paid all of the lates fee 's and the past due payment and set my self up on automatic withdrawal. 
I paid off the car in XXXXXX/XX/XXXX-Now I'm getting bills and negative reporting on my credit report from Ally. Ally is stating that I owe more late fee 's about 400.00 more and for some reason the account keeps rolling each month and I owe more fees. My last bill from them is now around 1,700.00-I 'm not getting any answers regarding this account.
Complaint sub-issue: Information belongs to someone else

Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX  Bankruptcy ''. 

XXXX and Equifax have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax on XX/XX/XXXX, and this was for XXXX XXXX XXXX there was a balance and was sold to another collection agancy XXXX XXXX, I cleared XXXX XXXX XXXX payment and they told all 3 credit bureau to delete the record from my Credit report, all 3 beaureau did delete including Equifax, but only Equifax is showing one month deliquency of XXXX XXXX XXXX opened in XXXX in making payment XX/XX/XXXX, the payment to the XXXX XXXX  was paid in XX/XX/XXXX, so XXXX   XXXX XXXX is a closed account when sold to XXXX XXXX, XXXX and XXXX have deleted XXXX  XXXX data from my credit report anf history and nothing showing a deliquency, I also called XXXX XXXX XXXX to inform the beareau, they sent a letter to all 3 beaureu to delete the record that was way back from XXXX, only Equifax is not heeding to the letter from XXXX XXXX sent to them and deleting it, it ; s discrepancy, I have evidence from XXXX XXXX the letter and audit number sent to Equifax, also XXXX XXXX payment made, and not being shown in other beaureu report but only Rquifax as deliquient since XX/XX/XXXX, Please contact Equifax for fair reporting and delete the deliquency that is never delequient as mentioned by the bank as well, Equifax dispute confirmation number is XXXX dated XX/XX/XXXX, this is my second time disputing it, my credit score they dropped by 45 points on XXXX XXXX during this dispute, thay asked me to send another document with another dispute which I am not disputuing but only for send the doc as attachment, conf numberXXXX XX/XX/XXXX ( not disputing but for sending document as attachment for previous dispute XXXX as told by Equifax customer service over the phone ) ( I also currently have XXXX XXXX XXXX credit card nelwy opened since XX/XX/XXXX and being paid every month without any dues ) Equifax also placed FRAUD ALERT withour my consent, " You have an extended fraud alert in place until XX/XX/XXXX. '' Thay are giving me lots of trouble asking me to send lots of personal documents and even police verification, I NEVER AUTHORIZED FRAUD ALERT, XXXX and XXXX never placed any ALERT on my Credit file. 
Thanks XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello I have reached out to you all last year about some items on my credit I know nothing about There is still one account on my credit that I know nothing about Its from XXXX/XXXX. I XXXX  them and it looks like a student loan place. Please have this removed from my credit so I can help my mom get a car so she can have a better car to take my nephews and nieces to and from school. I have contacted the FTC twice and my local police.