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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

I have made contact with Equifax, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. 
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX,  USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the Equifax, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, Equifax, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
Complaint sub-issue: Information belongs to someone else

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Complaint sub-issue: Can't use card to make purchases

LAST 4 WEEKS I HAVE PROBLEM TO USE MY BANK OF THE WEST MASTER CARD. 
I TRYED TO CALL MY BANK ALMOST 15 TIMES IN 4 WEEKS. 
THEY CHANGED CARD, BUT IT DOES NOT WORKING ANYWAY AND NO ONE CAN HELP ME IN BANK TO RESOLVE ISSUE. 
I ALWAYS HERE SAME FROM THEM CARD IS GOOD MY BALANCE IS XXXX AND I CAN USE THATCARD.
Complaint sub-issue: Their investigation did not fix an error on your report

I started this process in XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XXXX of 2017 into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have XXXX accounts with the same account number of XXXX and XXXX with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through XXXX XXXX now. Even though they show charge off they also reported a 120 day late for XXXX of 2017 even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.
Complaint sub-issue: Problem accessing account

President - i opened citibank checking XXXX and savings XXXX on XX/XX/2022 i transferred too both less then {$37000.00}, {$35000.00} to the savings and {$2500.00} to the checking. i received there debit card mc XXXX and activated it. both accounts last night were blocked and today they said they couldnt speak to me any further but before that said the accounts were closed and it will take 12 weeks at five business days per week to receive the funds of simply 60 business days. besides that i made a decision and closed my XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts this week and loved the thought that im not a part of them any longer and good riddance. all three got notarized letters by usps certified mail this week and look forward to never doing business with them ever again. since they dont have my money any longer. im glad they dont. ill will be more then ecstatic next week when all three are official. i think i still have a chime account ( XXXX ) it has money in it and i sent my direct deposits from ssdi to it. do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.
Complaint sub-issue: Information belongs to someone else

I never gave any written consent to report anything on my consumer report.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to call the XXXX XXXX number for Equifax to obtain a copy of my credit report. Several times it was busy and I could not get through. Today XXXX/XXXX/17 I did get a message machine asking for my information. I asked for a copy of my credit report, the reply was that I had to pay for it and insisted that I give them my credit card number to be charged. I never spoke with anyone personally and I did not leave my credit card number. I did leave my address, social security number and state which had been requested prior to demanding a fee for my free credit report. Please go after this company. I received a letter from a retail outfit that I have been doing business with for years stating Equifax reported a problem on my account. I need to get this resolved. Now my excellent credit score I have had for over 50 years has been tainted! Thank you.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Account status

I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.
Complaint sub-issue: Their investigation did not fix an error on your report

The first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.
Complaint sub-issue: Debt is not yours

I noticed that I have an active account on my credit report and I was not made aware of any outstanding balance from creditor or collection agency
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Was not notified of investigation status or results

Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/XXXX - I sent {$250.00} to my son 's phone # using the embedded XXXX payment feature in the USBank app. XXXX then contacted my son, and because he was not a member of a XXXX partnered bank, instructed him to download and install the XXXX standalone app to initiate receipt of the funds. Which he immediately did, but despite several attempts, XXXX did not complete the transfer and he was not able to receive the funds. My son informed me about the problem, and I contacted XXXX customer service for an explanation. XXXX stated to me two reasons why my son was unable to receive the funds : 1 ) He did not bank with a XXXX partnered bank. 
2 ) He did not have a Fast Funds capable debit card. 

XXXX went on to state that without at least one of those features they would be unable to complete the transfer. But XXXX also assured me that if the funds weren't claimed by the recipient ( my son ), the money would be returned to me within 14 business days. 

XX/XX/XXXX - After over 2 months now, and despite the fact that my son was never able to claim the {$250.00}, the money has never been returned to my account. 

During that 2 month period I've contacted XXXX 3 times by phone, spent several hours on the phone with USBank customer service and visited to my local branch twice to speak to the manager and assistant manager about resolving the the issue. 

Numerous times during my contact with USBank I was assured the funds would be returned, was promised a provisional credit on several occasions, and even credit to be issued directly from the bank branch if necessary. To date, none of those has happened. 

USBank has ultimately told me that they've investigated the matter and determined the money was sent and received and that their obligation has been satisfied. But whenever I press them to provide me with the tracking documentation that shows the completed transfer, they go quiet with no response. No callbacks from customer service or the branch on that topic. 

The USBank assistant manager at my local branch made an interesting and telling comment to me during my visit the week of XX/XX/XXXX. He said that in the agreement that partnered financial institutions have with XXXX, it states that XXXX is not responsible for lost funds. That tells me that USBank is attempting cover up a flaw in their relationship with XXXX by having customers foot the bill for lost funds. And I think that is wrong! And probably illegal. Someone with the proper authority needs to look into this ASAP. 

As a consumer, I feel helpless on this matter. In my view, I was just robbed of {$250.00} by a bank. And with no recourse other than to end my long-standing relationship with USBank.
Complaint sub-issue: Cashing a check

On X/X/17, I wrote a check from my Citi checking account to my account held at XXXX. The check was cashed and the funds made available to me in my XXXX account. On X/XX/17, the funds were removed from my XXXX account because Citi noticed that the check could not be cashed. In other words, the check bounced, which resulted in 6 overdraft fees on my XXXX account for a total of {$140.00}. 
I immediately called Citi to inquire about the check. I had more than enough funds in my Citi account to cover the check. Citi explained that the checkbook should have been " activated '' like a debit card. I have never heard of " activating '' a checkbook and I 've had many bank accounts. Citi did n't honor the check because the checkbook had n't been activated. The checkbook was not activated because the instructions to do so were not clear. The Citi rep immediately transferred me to a  supervisor and agreed to reimburse me for the {$140.00} worth of overdraft protection fees. The rep also agreed to send a same-day wire from my Citi account to my XXXX account and waive the {$25.00} wire fee. The wire fee was indeed waived. To be reimbursed for the overdraft fees of {$140.00}, I was told to fax a copy of my bank statement to Citi. Once they received it, the credit would be applied to my Citi account. I sent a fax on XX/XX/XXXX. A week later, I called Citi to check the status and was told that the case had been closed because the fax had n't been received ( even though I had confirmation that the fax went through ). By this point, I did n't have access to a fax machine, so I visited an office supplies store to pay for the fax. I again received confirmation that the fax was successful. Several days passed with no communication from Citi and I again called customer service. I was told that the fax had n't been received ( again ) and needed to visit a branch. The nearest branch is well over an hour away from me. So, the rep said that she would open another case and track down the fax. Another week passed and I again heard nothing from Citi. My husband called to check the status and was told that although the fax was received, our request for a credit would not be honored because we should 've known to activate the checkbook. I spoke to numerous people and nobody previously told me this. In fact, it was the initial customer service rep who agreed to reimburse me for the {$140.00} fees charged by my other bank, otherwise I would 've pursued reimbursements from my other bank. I followed all instructions provided by Citi and was consistently lied to and given the runaround. Then, after jumping through so many hoops, my request was still denied.
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX XXXX AND I AM NOT AN XXXX  OR HAVE I EVER BEEN INFLUENCED BY XXXX. Equifax had a data breach and I was affected. my information was exposed to different companies including a company in Texas called XXXXXXXX XXXX. Equifax was reporting An account from this company stating that I owe them {$1400.00}. I had no knowledge of this company And when I reached out to the company XXXX XXXX  to resolve this matter, they was not sure how my information was MIXED UP WITH ANOTHER PERSON in their system. After I submitted an identity theft complaint, I disputed the information to Equifax and it took MONTHS for them to take any action into removing the account immediately. Although the XXXX account was deleted, I was still affected by them reporting this account on my credit report and was denied credit based upon the inaccurate information on my report which was not fair to me what's so ever. As a Federally protected consumer, My privacy rights have been violated and under the Fair Credit Reporting Act that is a violation.
Complaint sub-issue: Didn't receive notice of right to dispute

There are many mistakes appear in my report without my understanding.
Complaint sub-issue: Problem with personal statement of dispute

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX ,    2017  I contacted Equif ax Information Services re garding the removal of my current mortgage serviced by   XXXX   XXXX   XXXX   from my credit file. I spoke with a representative whom advised that Equifax had rece ived an " Electronic Communication ''  from  XXXX   XXXX   XXXX  to remove the item from their credit reporting. I spoke with  XXXX   XXXX   XXXX  on the same day  XXXX   XXXX ,  2017 , and they advised that they had not sent any communication to Equifax regarding my account and it still should be reporting as usual.  XXXX   XXXX   XXXX  faxed me a copy of the information that had been reported earlier in  XXXX  to Equifax for reporting.     Due to Equifa x Information Services  removing my mortgage from my credit file, my credit score has dropped from  XXXX  to  XXXX .
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of XXXX XXXX regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with XXXX XXXX which was never paid late.
Complaint sub-issue: Other problem

It a company Cash App. I had set up direct deposit and it states it received it on XX/XX/2020 but did not reflect in the balance. There is no customer service only on twitter. And even there is no use. It's my pay check I need it. My health is a stack. I just want my money and do away with them.
Complaint sub-issue: Information belongs to someone else

Please see the attached documents as it includes my complaint and identification.
Complaint sub-issue: Account status

Equifax refuses to properly report my student loans with XXXX and Department of Education/XXXX as being paid in full, closed, in good standing, with XXXX. I have provided extensive documentary proof numerous times but Equifax continues to stubbornly refuse to properly report these loans.
Complaint sub-issue: Account information incorrect

My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX   XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit