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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Complaint sub-issue: Trouble with how payments are handled

I have been contacted by fed loan several time. My last semester was on XXXX XXXX to XXXX XXXX. In XXXX XXXX I have been contacted by fed loan requesting a payment. I filled a form to inform fed loan that I still study in my university. My university confirmed the infomation and inform fed loan my graduation day. On XXXX I received a statment requesting a payment by XXXX XXXX. I do n't undestand why fed loan is sending those statement. This is unfair and they 're afecting my credit on purpose.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Account information incorrect

I have attached XXXX pictures that are highlighted showing that every single bureau is reporting something different, per the FCRA anything reporting to the credit bureaus should be 100 % accurate and it is not.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have 3 new hard inquiries on my credit report that I did not authorize. I am a victim of identity theft, please help me remove these accounts and put an alert on my credit. 

Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX/XXXX was added to your credit report. 

XXXX  XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX   XXXX XXXX, VA XXXX ( XXXX ) XXXX Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
This inquiry could stay on your report untilXXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

1. DISCOVER FIN SVCS LLC DATE FRAUD BEGAN XX/XX/2017 {$4100.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Complaint sub-issue: Was not notified of investigation status or results

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report and they haven't responded in over 30 days.
Complaint sub-issue: Unexpected increase in interest rate

Credit card with US Bank, Kroger Rewards World Mastercard, balance currently {$2100.00}. Have made payments regularly, no late payments to any creditor on my record. I had an introductory rate on part of the balance that expired last month. Received correspondence today raising interest rate from 20.99 % to 26.24 % effective XX/XX/XXXX. The reason given is high credit card balances and too many accounts. The card has been active approximately 2 years or so, I have not used it in many months, again, no late payments anywhere in my history. My telephone complaint was met with indifference.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Equifax and on XX/XX/XXXX I got a notification from XXXX XXXX stating it was taken off. A few days later I received 2 updated credit reports one with the bankruptcy still on and another still on. A week later it was put back on. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgements on a credit report. So I wrote to the court address on my file and it was returned as no such address.
Complaint sub-issue: Account information incorrect

I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. XXXX  is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how XXXX got the information to report it.
Complaint sub-issue: Didn't receive enough information to verify debt

I used the company Payactiv 's services offered through my employer during a duration of 3 payperiods. 
payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$13.00} includes {$1.00} fee Deductioned from paycheck {$14.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$200.00} includes {$3.00} fees Deducted {$140.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$160.00} includes {$4.00} fee Deducted {$340.00} YTD total {$480.00} Took 90 % of my paycheck Requested an itemized list or statement of transactions and any applicable fees and company refused to send a hard copy only offered to verbally give it to me. They did send me a statement from their card the pay advances get deposited to ( see attached ) but the math doesn't make sense and the company won't provide me transaction statement on my account
Complaint sub-issue: Information belongs to someone else

I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XXXX  XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Complaint sub-issue: Account information incorrect

My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.
Complaint sub-issue: Billing dispute for services

i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.
Complaint sub-issue: Account status incorrect

On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, Equifax, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Complaint sub-issue: Account status incorrect

I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.
Complaint sub-issue: Account status incorrect

On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.
Complaint sub-issue: Debt was paid

This is the XXXX attempt to remove a debt that is not owed on my part.The debt was paid in full, Since Equifax is saying that the debt has been confirmed, Im requesting a detailed process of reinvestigation?
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}
Complaint sub-issue: Account status

I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/ I sent a letter to Equifax at Equifax Credit Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX about two hard inquires which I noticed as unauthorized and fraudulent credit inquiries made by the following companies : XXXX/XXXX &XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. They did not responded to me within 30 days. Then I sent a 30 to comply letter on XX/XX/XXXX and Equifax has yet to reply to me.
Complaint sub-issue: Credit denial

I know I am the consumer and original creditor and is protected by the Truth In Lending Act, Fair Credit Reporting Act, Fair Debt Collections Act, Equal Credit Opportunity Act to ensure accuracy and fairness. According to the federal law governed on credit In pursuant to 15 USC 1602 ( i ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a NATURAL person. Now if MidFirst Bank look in this federal statute, look at all definitions, MidFirst Bank is not going to see the words loan, or borrower because those do not apply to me the consumer and original creditor. The only thing I did was enter a consumer credit transaction in which the creditor was the seller which is me. In pursuant to 15 USC 1602f defines credit as granting the right by creditor, As I know am the original creditor I granted MidFirst Bank the right to extend my credit. I granted the right to extend my credit with my credit card which in pursuant to 15 USC 1602 ( l ) is defined and will prove my Social Security Card number is the card credit device existing for me to obtain money. On XXXX XXXX I did a consumer credit transaction, when attempting to extend my credit to MidFirst Bank, as I know am the original creditor in pursuant 15 USC 1602 ( g ), for MidFirst Bank to extend back to me, they denied me. As required MidFirst Bank sent averse action letter and an email. But the reason they put does not abide by the Truth In Lending Act in which MidFirst Bank honors. In pursuant to 15 USC 1681 ( a ) ( k ) - adverse action. No where does it mention denial of credit. Why is that? Dont you think under the laws governed on credit that it would mention credit under adverse action if can deny? Well it does not and that is because there is no denial of credit. Again I know am the consumer and the original creditor. How is MidFirst Bank original when there are multiple MidFirst Bank, its only one of m? Everything listed for denial are factors from a consumer report but not deciding factors. MidFirst Bank can not deny me an extension of my own credit. In pursuant to 15 USC 1611 MidFirst Bank are criminally liable for misrepresentations, giving false and inaccurate information and also failing to disclose accurate information. I spoke with XXXX a manager from MidFirst Bank in Oklahoma, he have me his direct number which is XXXX. He stated over a recorded line that he talked to MidFirst Bank attorneys and underwriters about violating my rights under 15 USC Chapter 41, and that even with given exhibits that MidFirst Bank do not care and will continue to do so. Now Im demanding MidFirst Bank approve me and extend my credit that I originally extended to MidFirst Bank back to me. Regardless of what MidFirst Bank have to say, they can not deny me of my credit. Otherwise show me the law that states it.
Complaint sub-issue: Attempted to collect wrong amount

The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Complaint sub-issue: Account information incorrect

Equifax for the past year, continues to report inaccurate false information despite me providing evidence alleged debts and accounts do not exist. I am experiencing major adverse consequences as a direct result of Equifax not reporting accurate information as per the Fair Credit Reporting Act and statute of limitations under State of New York.
Complaint sub-issue: Information belongs to someone else

Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and XXXX and Equifax refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. XXXX and Equifax keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX and XXXX
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 {$5100.00}, {$2200.00}, {$3900.00}, {$9600.00}, {$4100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also XXXX C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Personal information incorrect

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue.

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Complaint sub-issue: Information is not mine

i just ran a credit report on myself, and could not print an online copy due to what seems like identity fraud. I have seen on my report from equifax that someone has opened a mortgage loan as well as a a car loan and credit card under my information, when I have n't done this.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Debt was result of identity theft

I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. This item is already reported to FTC since the last time I coordinated with you and only your agency is reporting this negative item. 

XXXX XXXX : XXXX Account # : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX  XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7 XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Complaint sub-issue: Debt is not yours

I have 2 debts that should not be on my account. The first one is XXXX XXXX. Originally XXXX XXXX. Its 4 yrs old and was closed a year ago and is a charge off. This new debt company reopened it and it got deleted off XXXX  and XXXX. Now its back on XXXX and XXXX. The next one XXXX XXXX XXXX. That one needs to be deleted too. Its been deleted off my XXXX but not the other 2. ( XXXX and XXXX  ). I am trying to clean my credit up to buy a house and I cant when these people keep  adding them after theyve been closed and deleted! Please help!