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

The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Complaint sub-issue: Deposits and withdrawals

I live in XXXX XXXX. On XX/XX/XXXX. I had about {$5300.00} in my The Bank of the West checking account. But I found {$2900.00} missing from my account on XX/XX/XXXX. So I went to my bank ask them, they said there was a check being cash. And they print that copy of the check for me, I recognize it was an old check for my XXXX XXXX 8 months ago, and he cashed it in XX/XX/XXXX already. Now he changed the date and amount of my check and cashed it again with his phone app. And surprisingly, my bank cashed it second time to him. I lost {$2900.00} due to fraud. I had contacted my bank immediately, they filed a fraud report, and they told me I should report it to police, which I did. ( Police report numberXXXX. ) Now I need my money back .The bank said it will take a long time. Please help.
Complaint sub-issue: Trouble with how payments are being handled

I was just told by AES, my student loan processor, that none of my loans are subject to Biden 's executive precluding interest due to a " loophole, '' and that no letter, e-mail, or communication to borrowers was sent out regarding this. 

The loophole is that even though my loans are Stafford loans ( they are identified as so on the AES website ), they are not " held by the Dept of Education '' and therefore not subject to the XXXX. All information I can find suggests that Stafford loans are held by Dept of Education ( even XXXX defines them as loans " offered from the United States Department of Education to eligible students enrolled in accredited American institutions of higher education to help finance their education '' ). 

This is a deceptive business practice for which no notice was provided.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Complaint sub-issue: Problem with personal statement of dispute

I talked to them today around XXXX today and they told me they will remove it in 30 days but I want this negative impact removed very soon I paid everything to them now I want my credit the way it use to be.
Complaint sub-issue: Public record information inaccurate

I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.
Complaint sub-issue: Debt was paid

Omni is refusing to send out a payment letter or shown its been paid by third party. They said I had to payback the lawsuit check as well. I just paid over XXXX and they are denying my proof of payment Dear XXXX XXXX XXXX, We received your recent request and need to speak with you concerning your request. Please be advised your account is held with XXXX XXXX XXXX. 
You can reach XXXX at XXXX. 
We may need to verify personal information in order to process your request. 
Thank you for choosing Omni Financial. 
Sincerely, 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  Creditor : Omni Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX We have received our payment of $ XXXX. The account is paid In full Once the funds clear and the proceeds are applied to vour account. vour account will be considered closed For information concerning your account, phone me at our toll free number XXXX. 
XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT. 
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
PLEASE REFER TO REVERSE SIDE FOR IMPORTANT INFORMATION De PLEASE DETACH AND RETURN BOTTOM PORTION WITH PAYMENT. KEEP TOP PORTION FOR YOUR RECORDS. 
Creditor : Omni Financial XXXX Account # : 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 VISIT US ON THE WEB XXXX XXXX by using debit, credit, or XXXX. Please note, paying by credit card is only for select creditors
Complaint sub-issue: Debt was paid

The debt is related to cable company TV box, returned in New York in 2016, and mistakenly recorded as not paid. Have since resolved the issue with the cable company, but the debt was sold to a collection agency. Since then, have been receiving letters and phone calls about the debt. Now, the debt appeared on my credit report.
Complaint sub-issue: Account status incorrect

On XX/XX/18 my discover card was reported as lost. Discover closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although discover has sent in an early credit history to XXXX, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Complaint sub-issue: Reporting company used your report improperly

Per my previous complaint # XXXX the company responded that after investigation the below accounts have been verified. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete accounts.

In accordance with the Fair Credit Reporting act. This company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed XXXX CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and correspondence from XXXX, XXXX and Equifax stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Complaint sub-issue: Problem getting your free annual credit report

I XXXX XXXX Have tried on Multiple occasions to get my free annual and now until XX/XX/2021 weekly credit report online and they will not allow me to get it. I have called on multiple days to request free credit report by mail or to fix online access they have not done so. They have mad me under the equifax lawsuit in federal court use all my free credit reports due to an issue on my acct they will not fix. the acct XXXX  XXXX XXXX XXXX does show charge off status missed payments and XXXX balance. that is incorrect and has been verified thru XXXX  XXXX XXXX to equifax on multiple occasions but they refuse to correct by law. they are in fcra violation on multiple occasions.
Complaint sub-issue: Information belongs to someone else

Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Complaint sub-issue: Problem with fees

I scheduled a payment to Citi through my credit union 's online bill pay. The date to pay BY was the due date from Citi on my statement ( XX/XX/XXXX ). The credit union sent a check instead of an ACH ( they do not allow me to choose ). The check arrived LATE due to Trump Administration 's slow down of the mail! Now I got a late fee ( they reversed that ) and interest charges ( I was informed by XXXX at Citibank that that is a " legitimate '' charge so they can't reverse the charges, even though I have stellar credit and never had an issue, even with any other credit provider! ). Now I have to pay over {$45.00} for the slowness of the U.S. Mail. I have filed a complaint with my credit union.
Complaint sub-issue: Problem with personal statement of dispute

I have spend hours on the phone with equifax attempting to get my credit temporarily unfrozen. I have the information with PIN number, ss etc. They told me my file is incomplete, so I submitted every bit of information they asked for via fax. Yet they still report they are missing information, and when I call they can tell me nothing else. This is ridiculous, they have all the information needed. The other 3 credit bureaus took 2 minutes to lift a freeze, as directed.
Complaint sub-issue: Not given enough info to verify debt

In XX/XX/XXXX I was working XXXX and was covered XXXX to pay for XXXX exams and all medical visits. Do n't understand why XXXX XXXX XXXX charged me {$560.00} for Med- test and send to collection since I never received any bills. I retired in XXXX, XX/XX/XXXX and moved XXXX. I believe this account should be cleared up with XXXX and XXXX. Since XXXX, XX/XX/XXXX I resides XXXX. I need to clear my credit account and this is an unnecessary debt account and must be removed from my credit. Thank you.
Complaint sub-issue: Problem getting report or credit score

Have been disputing issues with Equifax in reference to my case and credit reporting errors since I have been a victim of fraud. It seems that they still have erroneous credit inquiries and debt accounts on my credit report. I requested an accurate copy of my credit report and Equifax states in a document on XXXX/XXXX/2016, t that my credit history is stored in different files. I want to have it to where I have XXXX credit file, with accurate credit reporting and I would like for them to remove the fraudulent credit inquiries on my credit file. I am in the process of beginning the journey of purchasing a home for myself and my XXXX children, and with inaccurate reporting it will be difficult for me to gain a home with a reasonable rate if they are inaccurating reporting my information in their system.
Complaint sub-issue: Old information reappears or never goes away

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Complaint sub-issue: Can't use card to make purchases

hello. i opened a credit karma spend account well over a month ago. in this time ive added in XXXX $ increments XXXX to the savings and XXXX to the spend account. i tried to use the card and it was denied and has been everytime we try to use it. we cant internally transfer anything either. its locked. i called credit karma and asked for a supervisor numerous times. every time they say they cant help n have no support team for me to talk to everything HAS to be done on their time and through e mail. i read on there website that they used XXXX XXXX  XXXX so i called them. they also cant help and said she would send a email on my behalf. there website says all over it its fdic insured and use mvb banking. they refuse to help after 50 emails i have that prove everything ive done n everything said back to me. every reply is telling me i didnt respond. i have 4 kids n NEED my money. this card and entire process is insane. further into reading reviews it seems like anyone who has had this account opened is having issues. every card is locked and no one can get to their money. credit karma is holding on to sooooo many peoples money and wont give a reply or our money back. they claim to have a support team but at the same time there is zero contact information they will give you. they tell you its all emails. something HAS to be done about this. they stole XXXX $ from me as well as ALL of my information at this time. i thought i was doing something good and adulting and they definitely ruined that for tons of people in the US. i will never use credit karma again for anything.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # Bankruptcy XXXX Bankruptcy 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: Debt is not yours

in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX  in XXXX. I have never resided on east place. in XXXX court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XX/XX/XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XX/XX/XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.
Complaint sub-issue: Personal information

Hello : I am looking at my Credit Report, and there are inaccuracies listed as my addresses. I have never lived in XXXX Texas.
Complaint sub-issue: Information belongs to someone else

While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX now {$6400.00} XXXX {$750.00} credit collection {$600.00} Please see attached FTC report submitted by myself.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, my IDR was approved for $ XXXX  monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to fedloan servicing, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX,XXXX,XXXX,XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if Fedloan had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that Fedloan has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.
Complaint sub-issue: Information belongs to someone else

It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.
Complaint sub-issue: Transaction was not authorized

Hello the CFPB, and USBank. 

I would like to dispute some transactions today. I would also like to change my account number, remove any restrictions my account has, and order a brand new debit card with a new pin. My last request is that any overdraft paid fee, is reverted. 

If this is not done within 30 business days, I will be forwarding this to the XXXX and taking any necessary actions needed. 

Any transactions you see from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX need to be reversed, and the fees associated with it wether it be overdraft, or processing fees need to be REVERSED BACK TO ME. 

I have updated all of my emails, passwords, and phone numbers so this can not further happen. I've attached my account transaction history.
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. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXXXXXX 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, 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 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.