Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a debit card from USBankreliacard. I understand this card is issued to provide unemployment benefits. I did NOT apply for unemployment benefits. Someone has used my identity to get unemployment benefits. I have tried to contact USBankReliacard to deactivate this card and I have been unable to talk with them. I understand this is a fraud situation and I would like to have some reasonable assistance in correcting this obvious government problem and how they distribute unemployment monies. Why would the government have a contract with a bank-in this case USBank who takes no responsibility for the products that have their name on it??? and why would the federal unemployment department set up a program that can be so easily compromised. 
I want some help to remedy this situation.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

IC Systems is for a back power bill from XXXX  out of XXXX, NY. 
{$1600.00} this was removed from My Credit report back in XX/XX/XXXX this bill is from a account from XX/XX/XXXX. 
I have called XXXX and also IC Systems to make payments and was told NO payments i also sent email 's to both which i do have copy 's of. 
I have been reporting this to the credit places like XXXX XXXX and ask them to look into this for me but nothing get done and it is still on my report i even sent them showing the emails i sent to XXXX where the Dates of service is on. when i did use XXXX. with my account number still nothing. I have a copy of the the report from XXXX showing this was removed and now i come to you for help with this please.
Complaint sub-issue: Their investigation did not fix an error on your report

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXXXXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I received a notification stating my balances has decreased but new collections added. I know that I should not have any new collections so I viewed my Equifax report and noticed that accounts that were dele ted 2  to 3 years ago has reappeared on my credit report. According to the law I suppose to be notified within 5 days of a collection item being placed back on my credit report. I was not and the following accounts were added without prior notification which is agent FCRA. I spoke to  XXXX  at equifax and he refused to help me and I advised him that according to the law that I am sure he is aware of that I suppose to be notified in writing. The following accounts were added without notice and I need them to be removed IMMEDIATELY. I also spoke to  XXXX  which stated she was a supervisor.Spoke with the supervisor and she was not willing to help in anyway and basically told me I was lying about the accounts being removed. She grilled me as to how I received the information and I explained to her I had the information in my files and she stated that they dont have it so how do i.    1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded back and was removed  XXXX   XXXX ,  XXXX  2.  XXXX   XXXX   XXXX    XXXX  was readded back and was deleted   XXXX   XXXX     3  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readed back and was deleted  XXXX   XXXX ,  XXXX  4.  XXXX   XXXX   XXXX    XXXX   XXXX  was readded back and was deleted  XXXX   XXXX ,  XXXX   5.   XXXX   XXXX     XXXX   XXXX  was readded back and was deleted  XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded and was deleted  XXXX   XXXX ,  XXXX
Complaint sub-issue: Problem accessing account

Citibank has repeatedly frozen my accounts and placed fraud alerts although I have had ample funding. At one point I have been able to make certain transactions while others were denied. When I contact them via telephone, they are unable to send me text messages to the phone numbers provided in order to address any concerns. My debit cards have been frozen while I have been at merchants trying to make payments and the bank is unable to confirm my identify even with personal information which I am able to view online. The telephone representatives never provide any information on your accounts and you are unable to address any issues with the bank. They repeatedly tell me that I need to call back once I receive secure messages. I have provided them with my cell phone number and I am often told they need to call my work or another phone number which I may not have access to at the time. The wait times to address fraud activity is extensive and you are often left at merchants for extended periods while the phone rep fails to address the concern. I recently updated my account, received a new debit card and checks. I logged and the new account is missing. I have logged in to see secure messages saying that they tried to contact me which is false. I never receive any calls to my primary mobile phone regarding any suspicious activity and when I call no one is able to assist me. This has happened in excess of ten or more times. Below is the  message below I received via secure mailbox. 

" We have reason to believe that your Citibank Banking Card may have been compromised. We have attempted to contact you by phone to speak with you personally but have been unsuccessful. As a precaution we have reduced your daily purchase limit. Please contact us immediately in order to confirm your recent account activity and restore your purchase limit. This can only be done by directly speaking with our Customer Service department. Representatives are available to assist you, 24/7, at  XXXX. If you are calling from outside of the United States, please call collect at XXXX. ''
Complaint sub-issue: Trouble with how payments are being handled

I have filed repeated requests for my annual student loan income based repayment plan and submitted the required documents to my servicer, Nelnet.

Nelnet keeps " losing '' my documents and refuses to process my request. They give no explanation why and will not escalate my case.
Complaint sub-issue: Personal information incorrect

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Hello, ERC and XXXX XXXX are illegally attempting to collect a debt that does not belong to me. 

I received a debt collection notice from ERC on XX/XX/XXXX. I was confused as to why I received this letter, but I opened it because it was addressed to me. 

I opened the letter to discover that I somehow owe a debt to XXXX XXXX in the amount of {$340.00}. I had never done business with XXXX XXXX in my life, ever! 

Confused, I decided to contact ERC, the debt collectors. They never answered their phone. After contacting them through email and explaining the mistaken collection, they told me I needed to contact XXXX 

I contacted XXXX XXXX  on XX/XX/XXXX to get to the bottom of this. I was able to speak with someone, and after sharing with them the information on the notice which had the account number on it, they were able to see who the account belonged to as well as a starting date for service. 

The XXXX XXXX representative informed me that the account was made in XXXX, XXXX. They could not locate my information anywhere even after providing my social security number. The woman on the phone literally stated they have no record of me as a customer. I suspect the name on the account was from the previous owner of the home of which I became the owner of in XX/XX/XXXX. I suspect this because they had my current address on file and relayed that the account was created in XXXX of XXXX, but provided no name. I was also XXXX XXXX XXXX in XXXX living with my parents. 

After relaying these facts to the representative, she directed me to fill out an identity theft form provided through XXXX 's fraud portal on their website. I filled out the forms and provided the necessary documents to the best of my ability. They required Proof of residency from the past 8 years. In addition to providing my living history, I provided proof of purchase of my current home from XXXX, XXXX. 

After I submitted all the required information I received an email from XXXX on XX/XX/XXXX stating I need to provide proof of residency from XX/XX/XXXX. To my knowledge, I can not provide this proof because it does not exist. I was a minor at that time and can not provide proof of residency from 20 years ago because I was a XXXX, in school, with no bills, job or identification. 

After receiving this response I decided to submit a complaint to the CFPB. 

I also notified ERC of this problem and they put the collection notice on hold until this gets sorted out. 

I'm at a loss and I don't know what else to do. Please help me. I have attached all the documents I sent to XXXX XXXX  for your review as well as their email response and the collection notice from ERC. I will be more than happy to cooperate with you in order to resolve this issue. 

Thank you
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Complaint sub-issue: Information belongs to someone else

I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of Equifax Identity Theft. Delete ASAP those accounts or I will file a litigation!.
Complaint sub-issue: Other problem getting your report or credit score

I requested an updated report, So Equifax requested identification, I sent all the documents that were requested but after 90days I havent gotten a response.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing today because I am shock how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open XXXX is reporting XX/XX/XXXX while XXXX and Equifax is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while XXXX and Equifax does not have a closing date. 

The third error account status XXXX and XXXX is reporting closed while Equifax is reporting open. 

The fourth error payment status XXXX and Equifax is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and Equifax does not have a date. 

The last error credit limit XXXX and XXXX is reporting {$2100.00} and Equifax is reporting {$0.00}. 

I have sent numerous letters to these XXXX credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Complaint sub-issue: Unable to open an account

This issue just happened today, XX/XX/XXXX. My account has stated on digit that it will not connect with digit and its services for some reason. I am trying to connect with it and it wont connect.
Complaint sub-issue: Information belongs to someone else

IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.
Complaint sub-issue: Account status incorrect

i have a collection that shouldn't be on my report. I Was told it would be removed when it was paid but hasn't been removed as of yet. I've tried disputing it. Originally i was never contacted to let me know i owed money. Once i was i paid the balance immediately and they agreed to remove the collection from my credit report since i was never notified. Please help me any way that you can to get this removed. Thanks
Complaint sub-issue: Information belongs to someone else

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX financial service. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Complaint sub-issue: Account information incorrect

I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. Equifax, XXXX  and XXXX  are allowing these creditors to report incorrect information to my credit report.
Complaint sub-issue: Personal information incorrect

Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, equifax, XXXX  and XXXX  to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Complaint sub-issue: Reporting company used your report improperly

In agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.
Complaint sub-issue: Information belongs to someone else

I was looking at my credit report and didn't recognize a lot of the items. I didn't apply for them and need these items removed completely.
Complaint sub-issue: Attempted to collect wrong amount

Equifax is reporting a tax lien on my credit report with no identifying information that this is my debt. No name, address, birth date, SSN ... .NOTHING. I have asked that proper identifying information be provided to me and it has NOT. Remove it from my file IMMEDIATELY,
Complaint sub-issue: Billing dispute for services

in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised
Complaint sub-issue: Debt was result of identity theft

To whom it may concern I was served a copy from a court settlement debt. This Discover account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is Discover Bank with the case number of XXXX and I as the defendant. I never opened this Discover Bank nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( DISCOVER ATTORNEY ) but no luck. I was only able to leave a message. Please  help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.
Complaint sub-issue: Debt is not yours

This debt was disputed and removed from my credit report when it was reported by another collection agency. Apparently it was sold to a different collection agency and has reappeared on my credit report. Not sure why another Collection agency is now reporting this false debt. I had disputed the debt directly with the previous collection agency and they had removed the item from my credit reports. Now a new company XXXX XXXX XXXX is reporting the same debt. This seems like a way to keep this item on my credit reports for a longer amount of time even though the debt is not mine.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to delete XXXX XXXX XXXX XXXX. I have submitted my ID theft affidavit by certified mail back on XXXX XXXX and placed a fraud alert on my account. XXXX and XXXX have deleted the fraudulent collections. I am requesting that equifax deleted the fraudulent collections has I have not done business with these companies not have I applied for any accounts with these companies! Section 605B states that the Credit bureaus must delete and block the fraudulent accounts from reporting after receiving the proper documents. If not deleted within 4 days of receiving this complaint my attorney will be forced to file a lawsuit which would be in my favor as XXXX XXXX Equifax information services, LLC ( XXXX. ) XXXX. Equifax has violated the federal law and I am well aware of my consumer rights.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Complaint sub-issue: Problem during payment process

I am in a payment program with CITI Cards that was accepted by the XXXX  XXXX  XXXX. I stopped working with my Credit Counselor due to personal reasons and wanted to set up CITI for automatic payments. I called CITI three months ago ( prior to the date of this complaint ) and they took payment and assured me I could set up my Macy 's card ( serviced through them ) and my Thank You card a Visa card through autopay. The Macy 's Card has been auto deducted but the Thank You Visa card has not been. I was reported late which CITI promised not to do, and they subsequently told me I could not set up autopay. I have made several attempts to pay, but they told me attempts to pay must on auto-pay must be done through the credit counselor unless it is a one-time payment. That does not make sense if they can take one-time payments. Additionally, they store payment information indicating they have a way to store and transmit payment information monthly.
Complaint sub-issue: Account status incorrect

DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Complaint sub-issue: Debt was paid

I continually receive debt collection notices from Professional Credit Services on behalf of the XXXX XXXX XXXX XXXX, for a supposed past due tax bill of {$590.00}. I have the credit card statement attached in .pdf form. clearly showing I paid the {$590.00} tax bill on XX/XX/2020, and paid an additional {$14.00} for making the payment using their phone system. I do not owe any money to the XXXX XXXXt XXXX XXXX or to Professional Credit Services. Repeated attempts to correct this have been ignored by both parties. Any assistance you can provide would be very much appreciated.
Complaint sub-issue: Application denied

Dear Sir, Madam, I have been using an XXXX XXXX XXXX credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the XXXX and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX XXXX, in their refusal explanation letter ( Adverse Action Letter attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and LexisNexis. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as XXXX XXXX is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.