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

Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a letter requesting that the Credit Bureuas reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, hte Credit Bureaus have failed to respond to my request. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX and # XXXX and I'm including it again. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I have contacted this company on 3 different occasions and they are being grossly negligent. I have requested that they provide me with sufficient information according to policies and consent form that they provided me with. This company continually states I owe for a medical bill in the amount of {$300.00} for date of service XXXX/XXXX/12 for an alleged Patient First Visit. This company provided me a policy that stated I would be responsible for any remaining balance that the insurance did not cover. To the best of my knowledge my insurance did and would have covered any medical visits that I attended within policy benefits of course. I requested that this company provide me with the denial they received from the insurance company that would then allow them to pass this balance on to me as stated in the consent to treat from they provided to date they have not! The consent to treat from does NOT state that I would have to pay a balance if the insurance did not pay more than the billed amount and only paid the customary. I am not sure of this balance and this company has done absolutely nothing to help me resolve this matter!
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I contacted Meyer and Njus about my monthly payments of {$250.00} to put a stop payment on the month of XXXX. The Man I spoke with XXXX said they can do that and hold off until XXXX. The following week that payment was still taken out and my bank account overdrafted. After seeing this I contacted Meyer and Njus and they said they will reverse it but its been almost two weeks and still nothing came back.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

i bought a storage shed on XXXX through XXXX  website Order # : XXXX Order Total : {$370.00} i was given request # XXXX on XXXX when i reached out to XXXX for help through their site, XXXX  told me to call them which my schedule prevents me from it and i told them that and asked for the email to be forwarded on XXXX and i was given request # XXXX and never received any email communication since. XXXX i initiated a dispute with my credit card and i had tremendous issues with them where they closed the case out shortly after it was opened which prevented me from submitting any type of documents and i kept telling them that and they didnt want to listen and the mail system has been completely unreliable. which led to a XXXX  complaint against discover on XXXX XXXX  complaint # XXXX over the issue and asked the XXXX  to submit documentation and they have confirmed discover received documentation on several occasions and discover claims no such thing occurred however the XXXX  refused to let me know who the documents was sent to and by what method and i made several attempts with the XXXX  on it including at the highest level at the XXXX  ( Complaint XXXX ). i had also followed up with discover and filed a complaint against the case handler and asked for my money back as well.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiries on my credit score that i did not do.
Complaint sub-issue: Their investigation did not fix an error on your report

NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail from Equifax ( dated XX/XX/XXXX and received by me on XX/XX/XXXX ) completely disregarding my 2nd dispute against the ILLEGAL INQUIRIES still reporting in my credit file! All they say is, " The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have even called and spoken to extremely robotic, rude reps of theirs who repeat EXACTLY what's in the dispute report to me over the phone instead of using their brain and abiding by the law. One of them is rep with the ID XXXX who I spoke to on XX/XX/XXXX from about XXXX to XXXX. Whether I have complained here or spoken on the phone, Equifax has refused to do anything about the matter. Please tell me why and how Equifax reports this information, WHICH AFFECTS MY CREDIT SCORE, yet continues to wash their hands of any responsibility of this info they ILLEGALLY REPORT! The inquiries have NO PERMISSIBLE PURPOSE to be in my credit file : They aren't there as employment inquiries, court order inquiries, insurance inquiries, and they do not have firm offers of credit ( meaning, there are NO credit accounts in my file as a result of these inquiries )! As a consumer, I am allowed to dispute ALL info in my credit file ; yet, Equifax basically states that 'inquiries are facts that will just remain on your credit report unless YOU do OUR job of contacting the creditor. ' Violating consumer law, Equifax uses language that only suggests they investigate ( i.e. " results of our reinvestigation '' ), but they absolutely DO NOT INVESTIGATE AT ALL. Instead, Equifax has been using automated systems, like XXXX and going to 3rd PARTIES, like XXXX and XXXX XXXX XXXX ( XXXX ) in order to " verify '' inquiries. Then they lie and say that they " investigated '' and that there's nothing they can do about " factual inquiries '' that they ALLOW us to DISPUTE! (??? ) XXXX and 3rd parties are all extremely flawed systems and are never 100 % accurate. I have attached the ILLEGAL INQUIRIES I am disputing and the file includes my SS card and ID. PLEASE EXPEDITE THIS DISPUTE.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Good Evening : I am hoping you can help. I refinanced my vehicle on XX/XX/XXXX. I was promised a seamless refinance. I received the packet from XXXX in just a few days. I submitted the completed packet as requested to initiate the refinance immediately. For clarity my original lien holder was XXXX XXXX XXXX. My new lien holder should list XXXX XXXX Bank XXXX On XXXX, I contacted Flagship to inquire if the lien release has been sent as requested. They confirmed and stated my account was closed. More time goes by and I still did not receive a title with the correct lienholder. Starting in XX/XX/XXXX, I have contacted Flagship on 5 occurrences asking them to send my lien release to XXXX. They stated they mailed and faxed the lien release on several occasions. I started contacting XXXX in tandem with Flagship starting XX/XX/XXXX to current date ( many emails to them ). XXXX stated stated on XX/XX/XXXX We received your lien release, allow time for the state to process. 
Since XX/XX/XXXX XXXX has stated : -Flagship will not communicate with us about your lien release. 
-We are still waiting on your lien release -The lien release we received will work -The state ( MN XXXX  ) will not accept the notarized lien release we have received -We need the original lien card or a notarized copy of the state form for refinance. 

As you can see, I am receiving VERY different responses. 
I work for the state. In fact, the part of the state that processes titles. A notarized statement ( from Flagship ) will work so I am not sure what the problem is. I am so beyond frustrated as I have contacted Flagship AND Upstart more occasions than I can count ( in writing and by phone ). I am so beyond frustrated I do not know what to do anymore. I refinanced so I was not paying 16.5 % interest and now I cant even get the correct title to my vehicle. 

Please help me so these two banks can figure it out. I cant do anything without a title. Please help me. 

I have only attached a few of my communications ( I have many ) I have had with Flagship and XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 Credit Bureaus still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, 3 credit bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. XXXX XXXX XXXX XXXX Balance : {$420000.00} ; XXXX XXXX XXXX Balance : {$13000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus Equifax and XXXX to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus Equifax and XXXX that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA . 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. According to the FCRA, you have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My phone was stolen, and charges were made using my device at multiple merchants totaling {$1200.00}. I filed a dispute with kickoff lending and for whatever reason they claim that no funds will be credited to my account and this matter would be considered closed. I was sent a notice that served as a final resolution of the claim. I do not believe that they A thorough investigation of the incident and therefore should reimburse me for the funds that I had lost due to this theft. On XX/XX/2022, XX/XX/2022, XX/XX/2022, are the dates that that took place. The amounts are as follows {$820.00}, {$13.00}, {$240.00}, {$100.00}, {$38.00}, {$30.00}
Complaint sub-issue: Can't close your account

Citibank froze my account in XXXX and requested proof of residential address in order to unfreeze my account. I sent in the requested documentation, and was been told it was accepted and no further action is required. Then 2 weeks ago they froze it again and have requested the same documentation already submitted, except now they will not acknowledge receipt of the documents and will not allow me to close my account. In XXXX I was able to email the documents and get confirmation of their receipt and validity within 2 days. Now they are asking me to fax the documents, which I did a week ago. I was told it would take 24-48 hours to review the docs and unfreeze my account. Today I'm being told it will take 7-14 days to review the docs and unfreeze my account. Each time I call I'm passed from one dept to another and back again and placed on hold for inordinate amounts of time between each transfer. I have spent over 4 hours on the phone in the past 6 days to no avail. I have asked to close the account so I can put my funds elsewhere, and they tell me I have to wait for the document review to be completed before they will close my account. It's like a " who's on first '' routine. These are the same documents sent and accepted in XXXX, and the same ones I faxed last week, but every day that I call the time to review is extended exponentially and I'm left without access to MY money. They have already received the documents and are now refusing to give me access to my money. I have attached the email chain from XXXX and on page 15 you'll see the confirmation of receipt and verification that the account was validated and no further action required on my part.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.
Complaint sub-issue: Account status incorrect

My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
Complaint sub-issue: Information belongs to someone else

i have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back
Complaint sub-issue: Information belongs to someone else

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these  accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Complaint sub-issue: Application denied

Citi has taken adverse action against me as a consumer and they have violated the Equal Credit Opportunity Act, 15 USC 1691c and pursuant to civil action liability under 15 USC 1692k and are subject to criminally liability as well due to the adverse action letter I received. 
I completed an application in good faith for the Citi Diamond Preferred XXXX but credit was not issued. My social security card ( credit card by definition under 15 USC 1602 ( l ) was used and I received no benefit. This is proof of fraudulent activity, unauthorized use of credit card, Citi failed to make any reasonable procedures to resolve this matter, all I received was an adverse action letter, which is attached to this complaint. This is a clear and standard daily practice of Citi. This has harmed my credit report and Citi released nonpublic personal information to the consumer reporting agencies as well.
Complaint sub-issue: Problem with statement of dispute

I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each one of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Company closed your account

On XX/XX/2022 I was checking my Citi XXXX cash credit card and noticed I had a alert. I checked the alert and it said my account has been closed. I called the company asking why my account was closed and they said they dont have that information and that I will have to write XXXXsupportunit to find out why. I emailed them and they said they will respond to me within 30 days. On XX/XX/2022 they emailed me back stating they closed the account because I was convicted of a XXXX XXXX 13 years ago. When I filled out the application no where asked about if I have any prior convictions. If they did I would of never applied. Now because they decided to do this my credit score is going to suffer. Also Im in the process of buying a house so that doesnt look good. Ive had this credit card for less than 2 months then they decided to do this to me.