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

I have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXXXXXX XXXX XXXX  account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and Equifax breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with XXXX or Equifax about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
Complaint sub-issue: Account status incorrect

I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The listed inquiries are fraudulent and were applied for without my consent Equifax XXXX XX/XX/2022
Complaint sub-issue: Debt was paid

The Judgements were paid on XX/XX/XXXX in the full amount of {$1600.00} through the Courts of XXXX, MS . The Courts finally took the public records off of my account on XX/XX/XXXX. XXXX and XXXX  refuse to remove the collections off my account Case or ID # XXXX  Case or ID # XXXX
Complaint sub-issue: Problem getting your free annual credit report

Multiple times I made written request for free copy of my annual report from Innovis. They never send me a copy of it.
Complaint sub-issue: Account information incorrect

There are   XXXX   companies reporting a delinquent account that originated with a 60 month loan with CitiFinancial that was secured by a vehicle. The Loan was originated on   XX/XX/XXXX  for th e loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX . I  paid this loan as agreed until Approximately   XX/XX/XXXX  wh en the loan was transferred to    XXXX   XXXX   for servicing. I was notified by   XXXX   XXXX   that my b alance was still {$13000.00} after I had been paying my payments since  XX/XX/XXXX   (  5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  w hich I refused via fax  on  XX/XX/XXXX  and a sked them to come and pick up the car that the loan was secured on.        XXXX   XXXX   then transferred the Loan to   XXXX   XXXX   w ho also tried to collect before selling the account to   XXXX   XXXX  . I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by    XXXX   XXXX   XXXX    fo r the loan which was originated with Citifinancial as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports by  XXXX    XXXX   in the amount of {$13000.00} which again was originated with CitiFinancial. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Letter  ) ;  completely different than the Original Note ( Shown on the  Citifinancial Loan Origination Note ) The   XXXX   XXXX   Welcome letter does however reflect the correct Citifinancial Loan /Account number and corresponding    XXXX   XXXX   account number, which is then referenced by   XXXX   XXXX   an d  XXXX   XXXX . I will also include a letter from  Citifinancial  stating that they no longer have any of the documents of my real estate loan that was originated with them  (  it was actually a 60 month vehicle loan that originated on XX/XX/XXXX   XX/XX/XXXX   ) so they will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the  Loan  that was Originated with Citifinancial be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.             I want any and all delinquent accounts that originated with the  Citifinancial Loan  from   XX/XX/XXXX  b e Permanently Deleted from all  XXXX  of my credit reports from the  XXXX  major credit reporting agencies. Primarily the Delinquent account being reported by    XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX ,  Citif  inancial Inc,  and  XXXX   XXXX ,  XXXX .
Complaint sub-issue: Information belongs to someone else

This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its XXXX statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I have already opened a dispute with the XXXX XXXX XXXX and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted Certified mailing to Equifax on disputing a Bankruptcy, collections, and inquires, and closed accounts but. I disputed Bankruptcy with XXXX and they removed it from my credit report but Equifax stated that this has been verified but they have not shown me proof on how this was verified along with collections and inquiries. I am constantly getting the same message that these accounts have been verified with any evidence.
Complaint sub-issue: Can't use card to make purchases

Discover Credit card account has remained 'suspended ' after paying the balance early through a payment plan recommended by Discover. 
The XXXX credit limit has not been accessible, even during COVID-19 pandemic when most needed. Discover has continued the suspension of my account. Their excuse for doing this is : my " credit history with other issuers ''. -Disregarding the fact that I do not owe Discover, the account is open and inaccessible. 
This account has been open since XX/XX/XXXX, starting with a XXXX credit limit, Discover reduced the limit to XXXX immediately when the balance owed was XXXX. Said amount was remitted to bring the balance back to XXXX in XXXX of XX/XX/XXXX. The original XXXX credit limit was never restored.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Numerous ( 10 ) fraudulent charges were made to our card to merchant " XXXX '' in XXXX XXXX. We immediately contacted CitCard to report these as fraud. After an unreasonable amount of follow-up phone calls, persistence and unnecessary XXXX due to their lack of response, they finally credited our account for the fraudulent transactions. Now, several months later, they have reversed one of the credits stating that the merchant has disputed it. This is DESPITE my statement with documentation to the contrary submitted at their request on XX/XX/XXXX ( and confirmed received ). ( Their request for additional information was received by us on XX/XX/XXXX with a due date of XX/XX/XXXX. ) I spoke to yet another Citi XXXX today, XXXX, who said he is sending this transaction dated XX/XX/XXXX back for review AGAIN, can give NO timeline about how long that will take and stated if I don't pay it in the meantime that I will be charged finance charges and late fees. I can not bear the thought of having to follow up again like I did the first time ( probably a dozen phone calls and months of attempting to get someone to fix this ).
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,
Complaint sub-issue: Trouble with how payments are being handled

Discover Student Loans charged off my student loan in XXXX of XXXX. Due to a chapter XXXX bankruptcy, they were unable to collect on the account.Upon dismissal of my bankruptcy case, Discover harrassed myself and family members several times per day to collect on the account. 

I sent in payment in full on XX/XX/XXXX in the amount of {$6100.00}. Discover cashed the check on XX/XX/XXXX but failed to apply the payment to my account and claims they have no knowledge of the payment. 

In response, I submitted the copy of the check to Discover as proof of payment. Discover continues to fail to acknowledge proof of payment and the balance remains outstanding and a negative mark on my credit report.
Complaint sub-issue: Problem with paying off the loan

On  XXXX   XXXX ,  2017  the company received a certified check that paid off the balance in full. The same day the company still proceeded to debit my checking account for an additional payment. So now they have received the payoff of {$18000.00} and an additional payment of {$780.00}. The account does not reflect a credit balance or show a refund due and they are holding my money. The account number is  XXXX .
Complaint sub-issue: Fee problem

The company dont review the attached letter I receive from them. They sent a letter advertising that the charge of overdraft is {$0.00}. They are rascals. Are thefting money from my account before sending a letter advertising that the charge is {$0.00}. They sended a letter without descriptions of the charges. Charged are described as balance cobrado a poor quality statement. Transactions undescribed. A XXXX of response have made these rascals. Read my evidende. Rascals.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX BANK 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 BANK  XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK 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 BANK XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Information belongs to someone else

XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
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 {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
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 and 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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

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

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Complaint sub-issue: Don't agree with the fees charged

This is about Mohella ( XXXX ) and XXXX XXXX  closings I have had loans from XXXX XXXX XXXX and XXXX XXXX  over the past 7 years. 

XXXX is now closed and lost accreditation a year ago. 

XXXX XXXX XXXX lost accreditations I have about XXXX im loans and can not benefit from education, years time and money spent. I was defrauded by the school. Unaware of it state and any closings which happens abruptly. 

I should not be responsible for any loans and its should be cancelled immediately.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 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 from my files : EQUIFAX : XX/XX/1971 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}
Complaint sub-issue: Information belongs to someone else

Discover Card was obtained but I had no knowledge of it and the card was used for {$2000.00} in the year 2016 since then I am trying to remove that account first it was not mine second really huge impact on my credit which kept me from getting a card or renting a house
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT XXXX XXXX  ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights
Complaint sub-issue: Investigation took more than 30 days

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX EQFX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.