Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on XXXX reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.
Complaint sub-issue: Information belongs to someone else

My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX  XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
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 the 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to 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. 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Banking errors

I have ordered plain checks from Ally, which are sent without charge, and I was charged for them. 

Ally Bank has no ability to answer phone calls or customer service texts at this time. They are unreachable for any correction of this charge, which means they have stolen money from me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX 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 a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Equifax Mortgage Solutions, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A " product/service not as expected '' dispute/claim was opened with Discover ( # XXXX ) for just under {$28.00} against XXXX XXXX XXXX XXXX XXXX on XX/XX/21. To-date, the Hotel has outright refused to acknowledge or discuss the matter with me, both during the stay, as well as in the weeks following. Copies of attempted correspondence, showing where the hotel was reading my messages, but refusing to respond, were submitted as additional documentation -- further proving my claim of poor service / no service from the Hotel. The Hotel allegedly sent Discover documentation both irrelevant to the substance of the dispute, but also that contained no valid signature and apparently some sort of contract with the " signature box '' superimposed over the document. It's my position that I never saw or signed this document. 

Regardless, Discover CLOSED the dispute, and found in favor of the RESPONDENT, never once requiring that the Respondent make a good-faith effort to address my concerns. Discover clearly had knowledge that the dispute was concerning quality of service. Not only does this conduct fly in the face of the cardholder agreement and federal regulations, but IF Discover 's conduct were allowed to stand, it would signal that a consumer has no recourse for not receiving service ordered and paid-for. 


My position and updated claim is as follows : Discover can not make a decision on respondent 's claim because Respondent has not touched substance matter of dispute as filed by me. 

1. Dispute was opened on a transaction involving XXXX XXXX XXXX XXXX XXXX, on the basis of refusal of service entirely. Additional submittals were included, showing where Hotel was actively reading, and ignoring my calls for help. 

2. The Hotel never responded to me, either in person or in writing, during or after my stay. In fact, they did not even respond to Discover until AFTER Discover initially decided in my favor ( as a result of Respondent not doing anything about the dispute ). 

3. Although the Hotel continued to ignore my complaints of not receiving the service/product ordered, it is important to note that their submittal to Discover treats the claim not as a failure to deliver service/product ordered, but claims they are 1 ) not a party to the dispute, and 2 ) fails to address their conduct with regard to failure to service, despite having paid good and valuable money for such service. 

4. Discover erred in closing the dispute, claiming that the dispute was " found to be valid. '' Discover CAN NOT make a decision on Hotel 's submittal as the Hotel has not addressed the substance of the claim : " product/service not delivered as expected. '' Note : it is important to understand that the claim made is/was proper as my claim is directly with the Hotel for their actions and NOT XXXX or any other entity. The {$30.00} charge is the proper avenue to dispute Hotel 's actions as they are the responsible party and the issue at-hand occurred AFTER XXXX  had handed the customer over to Hotel for handling.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 an account without my writing instructions.
Complaint sub-issue: Public record

I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, EQUIFAX, and XXXX are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX XXXX : {$470.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Complaint sub-issue: Reinserted previously deleted info

My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.
Complaint sub-issue: Don't agree with the fees charged

I attended XXXX in XX/XX/XXXX for 2 semesters signing loans with XXXX XXXX. Then it was taken over by XXXX XXXX. For almost 5years they kept sending me Forbearance forms to put a hold on my payments for every six months. 
A few years after that XXXX took over and by XX/XX/XXXX my total debt had climbed too a tremendous amount of over {$82000.00}. I qualified to lower my payments with the IDR Program but after 6yrs now the balance had not decreased. XX/XX/XXXX FedLoan took over my loan because I am on the Forgiveness Program that after 120 months of payments FedLoan will forgive the rest of the balance. I am awaiting to get a respond from them.
Complaint sub-issue: Was not notified of investigation status or results

This is a complaint filed in reference to the security breach through Equifax. I am a XXXX XXXX, and am now having to arrange for a Fraud Alert and other issues related to this while abroad. 

Equifax has put a lot of people 's futures, including mine, in danger. Not providing citizens with appropriate information AS SOON AS they knew of a breach, and protecting these citizens FIRST WITH OUT QUESTION, should have been the first course of action they took. Instead they expect people to investigate their options on their own, and ask them to waive their rights to a class action suit, if they use the free protection they are supposedly providing. They are preventing anyone from holding them accountable for their irresponsible actions, by requesting that the very people they compromised give up rights to holding them accountable in one of the only ways that they can. It 's abuse of power they no longer deserve.
Complaint sub-issue: Charged too much interest

This is a credit card with US Bank for my farm. 10 years ago this card was opened and used for XXXX XXXX. the interest rate agreement was for 8.9 per cent. After a year they raised the interest rate to 28.9 per cent. I had never missed a payment nor was ever late always paid more than the minimum. I called them to find out why they had raised the interest rate. They said it was because I had too much available credit and if I would close some of my other credit card accounts they would lower the interest rate so I did and called them back after 6 month then they said they could not lower it because I didn't have enough available credit and to call back in 6 month and they would lower it. This went on for over 10 years I continued to try to work with them. I figured I had paid almost {$40000.00} to them for a {$10000.00} charge. I repeatedly tried to work with them and they refused to work with me so after paying that much I stopped payment. I should have never been charged the 28.9 per cent it should have been 8.9 per cent and it would have been paid off 5 years ago. Basically this has been extortion. Now they are randomly pulling money out of my bank account, I have repeatedly tried to deal with them but they are just continually extorting money from me. I would greatly appreciate any help I can get on this matter.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have 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. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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. 

XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATA XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/XXXX XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX  XX/XX/XXXX proving I tried to dispute the account XXXX received and signed for the letter XX/XX/XXXX. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020 an derogatory account was reported for the amount of XXXX. I am filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Complaint sub-issue: No notice of investigation status/result

I have contacted Equifax four times about inaccurate information that is on my credit report. Each time they claimed to have verified the information without providing me with any physical verification. This is totally violating the laws in the Federal Credit Reporting Act. I have requested repeatedly that they delete these items from my report but they have refused.
Complaint sub-issue: Information belongs to someone else

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Their investigation did not fix an error on your report

From XX/XX/XXXX to XX/XX/XXXX I was in the custody of the XXXX XXXX XXXX. I was incarcerated in XXXX California. During this time, unknown persons tried to and have obtained credit using my information. An XXXX XXXX credit card was opened and a XXXX was purchased. I have already spoken to both companies, XXXX XXXX and XXXX regarding this and they are working with me to resolve the matter. When I was released from prison I filed a police report on XX/XX/XXXX after discovering the issue. I then proceeded to contact the 3 credit bureaus and sent in a letter explaining what had happened and to please assist me in removing these items from my credit report. I received a letter from Equifax stating they did an investigation and found the items to be mine, even after I sent them my police report, FTC report, and a copy of my intake and release documents from the XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. UNKNOWN- Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

4. XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XXXX ( Reported Identity Theft ) 2. XXXX on XXXX ( Reported Identity Theft )
Complaint sub-issue: Problem using a debit or ATM card

There was an unauthorized cash withdrawal from my checking account at Citibank on XXXX XXXX, 2017 for the amount of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ). Since I did not withdraw this money and I 'm the only person on this account I contacted Citibank as soon as I discovered this transaction on XXXX XXXX, 2017. I requested an investigation of this transaction and Citibank just sent me a letter dated XXXX XXXX, 2017 stating that the disputed transaction was not fraudulent. I did not do this cash withdrawal from my account. Previously, on XXXX XXXX, 2017 I had written a check for {$1700.00} the exact amount of the cash withdrawal, but called Citibank to place a stop payment on it. ( I 'm attaching stop payment confirmation letter from Citibank ). If Citibank paid for this check, then, it is their mistake. My checking account records do not show that this check was cashed either. My records indicate that the withdrawal was done through a teller at a bank and it was a cash withdrawal.
Complaint sub-issue: Account terms

Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.
Complaint sub-issue: Trouble with how payments are handled

XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.
Complaint sub-issue: Account information incorrect

XXXX XXXX continues to report the incorrect amount to equifax they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to equifax is {$14000.00} which is the amount that is on the statement from XX/XX/2018! XXXX is violating the FCRA federal law they keep updating my equifax report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if XXXX does not update the account with equifax to the correct amount!
Complaint sub-issue: Debt was result of identity theft

CHAPTER XXXX BANKRUPTCY ( USBK COURT XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.