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

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.
Complaint sub-issue: Reporting company used your report improperly

There are items still showing up on my credit file that has been removed over 18 years ago. XXXX XXXX  credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, Citi Bank has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Canceled previous Citi card as it was lost. Received new card which I have yet to activate. Company allowed a reoccurring charge after denying it for two weeks on a card I have yet to activate. 
Citi states they gave the new card info to the merchant XXXX. I never gave permission for this to happen. If I wanted anything anymore from XXXX I would have activated the new card and inputted new payment info.
Complaint sub-issue: Account status

XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$540.00} XXXX XXXX XXXX XXXX received a Fraud alert text message form Citi Fraud alert on XX/XX/2019 @ XXXX XXXX   regarding attempt of purchased for {$200.00} at XXXX. that how i know my credit card was compromised, I called citi fraud @ XXXX to report fraud. XX/XX/2019 I got a letter form citi security Operation that they try to contacted me by phone and email was unsuccessful, ( I have not received any phone call or email at all ). I have 10 days to call them back with additional information needed. 
I called Citi Security Operations XXXX on XX/XX/2019 talked to fraud investigator that handling my account, they need my time sheet and phone record to proof that i was not out of the country, I did email informations requested to XXXX. I called again on XX/XX/2019 to confirmed if they have received my email, I talked to the fraud investigator that handling my case her name is XXXX, " base on information I provide, they did not consider these transaction were fraud because I have the credit card in my procession the card was build in with security chip it can not be counterfeit " on the same day XXXX have requested more informations such as passport, I did email her all pages of my passport on XX/XX/2019 Now I am concerned my passport number is not safe, XXXX said she will talk to her superior but at this time she not consider this is FRAUD., I called back again and Letti was not there and they don't let me talk to a different investigator, XXXX called me back and said the decision is stand and the case is closed, I have to be liable for all the charges.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( Dept ED/XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Complaint sub-issue: Overcharged for a purchase or transfer you did make with the card

On XXXX-2020 I cancelled my car insurance with XXXX of {$210.00} and XXXX-2020 they submitted the transactions without my consent. XXXX-20 I filled a dispute and received partial payment. I was received {$150.00} on XXXX-20. And was tolf that based on the information available to them my transaction has occurred. I disagree with that transaction amount because the product was not how it was represented. And I feel that It was false advertising and misinformed.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! XXXX XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX
Complaint sub-issue: Debt is not yours

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Deposits and withdrawals

I believe it was around XX/XX/2022 I recieved a refund from XXXX  in the amount of {$290.00} & my account was closed & I never recieved it from the bank they were supposed to send me a check I need my money Im a single parent & they never returned the money back to XXXX & everytime I call Im given the runaround & not the help I need in retrieving my money they kept
Complaint sub-issue: Information belongs to someone else

I contacted the company on many occasions and I even sent in a police report that was made stating that I was a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed accounts with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX they all say they have missed payments but also have XXXX charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Was not notified of investigation status or results

Hello Equifax. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021, thats 50 days ago, it contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. About a month later, on XX/XX/2021, I send another letter following up on the investigation. I submit a complaint with the CFPB on XX/XX/2021 and you close it say cant find any record on XX/XX/2021, a unacceptable 41 days later. This is a illegal stall measure so on XX/XX/2021 I sent another copy of every as well as a w2 with my full social on it. For a company that had my information involved in a breach I find it odd that you stall and choose to say you could find me with the large amount of identifying information I originally sent. What the XXXX is going on So On Im here doing another XXXX complaint so that the CFPB can monitor this neglect. Attached is everything I sent so far.
Complaint sub-issue: Received bad information about your loan

I messaged fed loan about the waiver XX/XX/XXXX. Got a message back XXXX asking if still an issue. I replied yes, XX/XX/XXXX they asked for more info to check the account. 
I have not heard back. 
I was given bad info while finishing bachelor and masters about my repay options with PLsF. Guided to the wrong payment plan and never informed I could not defer in school and make a lower payment than the full payment and it would count. 

To make matters worse I never was notified I could consolidate my XXXX and XXXX loans into my direct ( these payment counts would have been higher and I would have been forgiven ). Instead I paid XXXX $ or more in the last year paying it off because navient kept losing my payments until I was paying more than the minimal payment. I have worked in public service my entire career. First as a XXXX  at XXXX XXXX  since XXXX. Then as an XXXX at XXXX XXXX  until a year ago when I switched to XXXX  as it was closer to home. 

Had the waiver information been well disseminated I would have XXXX $ in my retirement fund and have started my kids 501 accounts. It is my sincere hope there is something that can be done to either count the payments paid towards my total and my more than 10 years of public service and at least forgive the remaining XXXX. Would have been XXXX had I choose not to pay extra in hopes of freedom at some point that is now to My own determinet. The hold time to talk to someone at Fedloan is not realistic with small kids and a career in the hospital during Covid abs no one responds via messages.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.
Complaint sub-issue: Used obscene, profane, or other abusive language

XX/XX/2019 XXXX XXXX  1. Collector implying a delay in getting back to him after I requested to contact the original creditor to verify why debt came to collection, since payment plan was in place. 
2.Collector suggested to me to use one of my credit cards to pay off the medical bill that is in collection because I have a good credit. 
2. He threaten to report me to an agency for non-payment of a medical bill that I have a payment plan and have honored. 
3.Collector told me that I don't belong to the category of debtors to be paying such small amounts and also that I always pay all my other debts except the medical bill. 

XX/XX/2019 1.Collector declined my suggested payment amount and insisted on a different amount. 
2. Stated my call was being placed on hold because " he had to answer another call from someone that was paying him {$5000.00} '' No return call. 

Prior, repeated calls, voicemails and use of strong and pushing language.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have signed up for Citi AAdvantage credit cards that promise American Airlines promotional bonus miles. Citi checked my credit and approved me for credit cards, I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, American Airlines has closed my AAdvantage account claiming I violated their rules but not telling me what I did. Citi approved me for these credit cards and owes me the value of the promotional miles promised. Their partner, American Airlines, by confiscating my miles has made it so that neither of the companies is living up to their obligations.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/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: Account information incorrect

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. 
XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.
Complaint sub-issue: Can't use card to make purchases

Citibank Decreased my limit by over {$2100.00} and has caused my card to be maxed out and thus causing my credit score to drop a lot. 
I have never missed a payment. I have never been late on a payment. In fact my payments are usually higher than the minimum due. 
My credit score will take 3 or mores years to repair from this. what can I do about this
Complaint sub-issue: Account information incorrect

My student loans with XXXX  were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been notified their information is incorrect on the following account : XXXX XXXX XXXX XXXX Ive reviewed my records and the last activity on this account occurred XXXX/XXXX/XXXX with my check # XXXX. No further activity occurred. If the creditor claims otherwise Im asking that Equifax require them to provide proof of any such alleged activity and by proof Im not simply referring to their printed records. They must provide a ledger accounting of any activity beyond the date Ive listed. Otherwise Equifax should remove this account entirely. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me.e. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.