Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I opened a personal XXXX  account ( rather than XXXX through my employer ) with XXXX in order to close an existing XXXX  with XXXX XXXX XXXXXXXX  ( Optum Financial ) due to being charged $ XXXX after terminating with the employer who had previously sponsored the account. I was advised by XXXX the following week that Optum had rejected the transfer request and that I needed to work directly with Optum in order to complete this transfer. 

I physically mailed an account closure request to Optum Financial in early XXXX and never received a response. When I later called on XX/XX/XXXX, I was informed that a ticket was opened in XXXX and closed either the same day or the next day without action. I was later told in the same phone call after further prompting that the failure response was sent to my defunct Salesforce employment email address despite my statements and other official documentation going to my current personal email address. No physical mail was sent back to me, and no further attempts were made to contact me after that email bounced back to Optum. I was advised that Optum could not proceed with account closure until I liquidated my assets, which meant I manually had to sell the stock into which my funds were invested. I was informed this would take multiple business days. I did so and called again on XX/XX/XXXX, and XXXX to confirm not only that the funds had liquidated, but also that my account closure was in progress. 

On XX/XX/XXXX, I was informed that the standard account closure XXXX was XXXX - XXXX weeks, and that there was no value in continuing to monitor the status of this transaction. I asked multiple times whether there were any additional steps I needed to take or whether I could validate progress and was told no. 

On XX/XX/XXXX ( the sixth week ), I contacted Optum Financial ( XXXX XXXX XXXX ) again because it appeared that, not only had the account not been closed, the funds themselves had been automatically reinvested on XX/XX/XXXX. I was told I needed to re-liquidate the assets, at which point I informed Optum verbally that I was filing a complaint with the CFPB.
Complaint sub-issue: Information belongs to someone else

Prior to my previous complaint XXXX submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing your companies correspondence as of XX/XX/2021, Im aware that one of the collection accounts [ XXXX ] is still appearing on my credit reports and yet still your companies agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ). So therefore the collection account information doesnt meet the Fair Credit Reporting Act requirements and you failed to comply with my debt validation request. For more further review, Ive attached additional information. Please read carefully and pay close attention this time.
Complaint sub-issue: Information belongs to someone else

A Moneylion account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of Moneylion multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022 I tried to use my debit/master card and it was declined. I attempted to call Citibank 's central number and they indicated that they could not identify me because the information on my account did not match the phone number, address and email address that I was giving them. Therefore, I went into the branch that has known me for over 20 years and discovered that my account had been hacked and taken over by someone else. The events that they undertook are as follows : XX/XX/XXXX : Somebody ordered a new card over the phone and requested a " Fast Card '' delivered to an address in New Jersey. Please note that I live in California. 

XX/XX/XXXX : Somebody Called and changed the pin number on my existing debit/master card via a customer service agent. 

XX/XX/XXXX : Somebody, changed the email address on my account to XXXX XXXX XXXX. This is not my email address. This was performed over the phone with a customer service representative. 

XX/XX/XXXX : Somebody changed my email address via access to my account to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Again, I live in California. 

XX/XX/XXXX : Somebody changed the PIN on my debit/master card. They also went into my online account and moved money from three different linked accounts into the account associated with my debit/master card. 

XX/XX/XXXX : The debit/master card that was ordered to be delivered to New Jersey was used to withdraw {$1000.00} from an ATM in New Jersey XXXX There were XXXX transactions, XXXX being {$400.00} and two being {$100.00} each. 

Again, I discovered that my bank was emptied on XX/XX/XXXX when I tried to use my card. I reported everything to the bank and they performed an investigation. After several weeks they declined my claim because they said that I testified that I always had possession of my card. I argued that they gave a new card to somebody in New Jersey, so they filed an appeal for me, which was subsequently denied for the same reason. I spoke to a supervisor on the third attempt who again filed an appeal, which was also denied on the basis that it lacked credibility. I don't understand how the fact that they sent a card to another individual XXXX miles away lack credibility. 

I am hopeful that you can help me bring this to a conclusion and recover the {$1000.00} that was taken from my account due to Citibank 's lack of proper verification of identity. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...
Complaint sub-issue: Information is not mine

Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.
Complaint sub-issue: Account status incorrect

It all started back in XXXX when I noticed on my XXXX credit report the the XXXX XXXX XXXX file had a statement that it had been sold to another lender and on the status their was no date when it would fall off. I complained to XXXX through their complaint portal, and that was when XXXX XXXX went in in XX/XX/XXXX and reaged my account and caused my credit score to plummet. And on the Equifax file it has no closing date, and they removed a statement that said in was. Under investigation. The only one that shows correct is XXXX with an opening date of XXXX XXXX, of XXXX and a closing date of XXXX XXXX, XXXX. I have not done anything that would give them a reason to reage this account on XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document
Complaint sub-issue: Information belongs to someone else

There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.
Complaint sub-issue: Debt is not yours

Americollect at XXXX XXXX XXXX XXXX XXXX, Wi has a negative balance of {$640.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company, This company does not have a contract with my signature.
Complaint sub-issue: Debt is not yours

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT  LAKES. Pursuant to XXXX XXXX ( XXXX ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( GREAT LAKES ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX OF XXXX, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Can't close your account

After numerous phone calls requesing the account to be closeed, the last on one on XX/XX/2020, Citibank will not close my savings account which has a {$0.00} balance. 
My concern is that they will charge me a {$25.00} monthly fee.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Put a card credit inquiry on my experience credit site. Its not down by me. Its hurts my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Reporting company used your report improperly

Equifax indicated on their website ( https : //www.equifaxsecurity2017.com/ ) that my information was compromised when they were breached. This was reported on by XXXX on XXXX XXXX, 2017 ( XXXX XXXX XXXX ). 

This will require me to spend a lot of extra time monitoring and managing my credit. I will need to freeze my credit with at least three agencies and pay repeatedly to release my credit info every time I sign up for credit. 

My private data is out there due to Equifax, so is also likely that I will need to maintain this increased credit monitoring and freezing for the foreseeable future.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by XXXX. I have not been in a XXXX branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I advised XXXX XXXX XXXX  of a fraudulent order on my account. An individual walked into a store in XXXX and purchased an XXXX under my account. I had numerous calls with XXXX XXXX XXXX and numerous online chats advising them of this fraudulent charge, and I also went to the store in XXXX where the purchase took place to get a confirmation of the order and the video. Unfortunately, the manager could not locate and provide the receipt or the video after XXXX days. After 5 or 6 months, I was told by XXXX XXXX XXXX that the charge was coming off. Three years later, in XXXX, It showed up on my credit through a collection agency. I immediately reached out to the collection agency they told me that XXXX XXXX XXXX confirmed the charge and moved it to collections. I asked them to remove the deliquent mark and needed this to be corrected. I volunteered to pay off this debt, which I did to remove it from my credit report, and I would pursue it with XXXX XXXX XXXX again. I have requested this to be removed numerous times, but they have been unwilling to do so. This is preventing me from closing a loan on our home
Complaint sub-issue: Investigation took more than 30 days

I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.  XXXX  took care of the situation immediately. However, Equifax and   XXXX   has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.
Complaint sub-issue: Card opened as result of identity theft or fraud

My sister used my personal information to open multiple credit cards, one was a Discover credit card. I had no idea she opened this card until she passed away on XX/XX/XXXX, she opened the account with my information but used her address. I contact Discover as soon as I found out and I believed that it was taken care of since I completed an affidavit of identity theft. 

On XX/XX/XXXX I went to a financial counselor to get assistance with this situation and when we looked at my credit report it shows that she had opened this account in XX/XX/XXXX, at that time I was living in the XXXX XXXX. I had no idea since I never checked my credit report. On the credit report it looks like my sister was using and paying the card on a monthly basis up until her passing in XX/XX/XXXX, the card was later closed in XX/XX/XXXX. Recently I applied for a credit card at XXXX and was denied due to this fraudulent account reporting on my credit report. 

That same day I contacted Discover and they gave me the credit bureau management department address for me to mail a letter explaining what happened and requesting for the account to be removed from my reports as it is negatively affecting my credit. I have yet to hear back from discover.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute to Equifax to remove an mortgage account that was more than XXXX XXXX XXXX. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I submitted a dispute again to Equifax to have the same mortgage account removed. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I called Equifax to attempt to resolve the issue with the company however, I was told the lender reported the account active as XX/XX/XXXX and to contact the lender. I attempted to escalate my issue to supervisor/manager both time I was hung on and second time before the customer service rep disconnected the call she asked that I called back in a couple of hours because their system was down. I told her I would wait on hold until the system was working again but she disconnected the call. 

So I decided to attempt to reach out to the mortgage lender however, upon a XXXX I found that " XXXX XXXX XXXX XXXX was a residential mortgage loan originator and servicer based in XXXX, XXXX XXXX. As a result of its exposure to subprime lending during the subprime mortgage crisis, the company filed for bankruptcy protection in XXXX and underwent liquidation in XX/XX/XXXX. '' Equifax has violated Fair Credit Reporting Act ( FCRA ) by furnishing old information as new information and completely falsifying my dispute by stating the account was verified with a company that no longer exist. 

Additionally, I no longer can access the dispute results from XXXX it appears the company has deleted the dispute file within my account.