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

I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Complaint sub-issue: Can't close your account

There is a credit balance on my account, I have not been able to get it refunded
Complaint sub-issue: Reporting company used your report improperly

Contacted EQUIFAX on XXXX at XXXX pm went through all the prompts and verification once rep came on the line asked if I could be mailed an election form which pursuant to 15 USC 1681b I can elect to have my name and address excluded from any list provided by a consumer reporting agency I was told to hold on only to be put back into the que so I hung up
Complaint sub-issue: Information is not mine

I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.
Complaint sub-issue: Received bad information about your loan

I'm a co-signer on my daughter 's loan she had with XXXX XXXX. She applied for a {$20000.00} loan, but was approved for {$17000.00} at 7.5 % interest - dated XX/XX/XXXX. Letters I receive still have it that she applied for a {$20000.00} loan at 9.625 %. 
The full amount was never used. There was going to be 4 disbursements. 
1 ) XX/XX/XXXX - {$7900.00} - Disbursed 2 ) XX/XX/XXXX - {$3300.00} - Disbursed ( On XX/XX/XXXX I informed XXXX a representative of XXXX XXXX that the 2nd disbursement of {$3300.00} was not needed. I informed financial aid at XXXX ( XXXX ) XXXX to send back the disbursement. I also was given the website XXXX/disbursement to check on the status. 
3 ) XX/XX/XXXX - {$3300.00} - Cancelled 4 ) XX/XX/XXXX - {$3300.00} - Cancelled The only amount that was disbursed was {$7900.00}. XXXX XXXX informs us that we owe for the first and second amounts - $ {$11000.00} Payments aren't being credited Harassing phone calls, letters and contacting family, friends who have nothing to do w/loan.
Complaint sub-issue: Sued w/o proper notification of suit

I get a judgement on my credit report filed by Discover Bank that I was not notified of. I request this illegal action to be removed from all my credit bureaus in a 5 days turn around. I completely disagreed with the method Discover used to put a judgement against me without any notification.
Complaint sub-issue: Information belongs to someone else

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.
Complaint sub-issue: Personal information incorrect

My correct name is XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. 

Thank you! 

BR
Complaint sub-issue: Personal information incorrect

These accounts are old and need to removed from my credit report
Complaint sub-issue: Transaction was not authorized

My name is XXXX XXXX. This is to inform you that on this date : XX/XX/2022 I received a text message from XXXX, Citi Bank that stated the following : " Did you make a transfer for {$49000.00} from account ending XXXX on XXXX YES = 1, NO = 2 or call XXXX. Reply STOP to Opt-Out '' What I did in response was text back # 2 as I was in a state of shock. What money transfer? I did not do this or authorize it. I also was in contact with Citi Banck at the phoine number provided above. I informed them about this text message and the fact that I did not authjorize any transaction, transfer or anything. I then received claim # XXXX as they recorded the fraudulent case. I was informed that money willbe blocked as transfer takes three days to complete and this transaction should not go through but it did. I went to the bank location on XXXX XXXX XXXX XXXX in XXXX XXXX IL XXXX to report and check that action was taken to stop this transaction. The branch manager filed another report which I personally signed and we closed account # XXXX that was stolen from and opened new ones. It is unfortunate to see that the bank still permitted this transaction to go through when I clearly texted I did not authorize it, I called and reported the fraudulent action and I went to the bank to stop any possible transaction. Since then, Citi Bank denied my case and I still do not have my money. I went multiple times to their branches and called still nothing. How is this even possible? Please assist. Thank you.
Complaint sub-issue: Problem with fees

I submitted a payment on my XXXX store card in advance via XXXX store app. Once I realize that the payment pending on my bank account I contact XXXX Customer service to have the pending payment cancelled or edit the payment to another future date because I didnt have enough money to cover the payment until next pay period. I mixed up the Pay date when submitted the payment. 
I was placed on hold over twenty minutes, transfer to CS in the XXXX, lyed to & the payment was submitted 3x even though I tried to resolve this payment issues before the payment process, after the 1st and 2nd payment processed. Customer service finally informed me that once I submitted a payment via XXXX app, in small print, it pre-authorizes XXXX to re-submit a payment 3x. I had never had a return via XXXX  app so I was not aware of this pre-authorization in which over drawn my bank account for {$100.00} and charged me a {$35.00} late fee on my XXXX store card. 
The total fees are too excessive for 1 return payment. My credit card had a positive balance before this mistake.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results. 
On these accounts are the following companies : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I do so. Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}
Complaint sub-issue: Account status incorrect

I am speaking about XXXX, Equifax, and XXXX. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

My US Bank Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, STAPLES/CBNA add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XX/XX/XXXX XXXX Balance : {$620.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XX/XX/XXXXXXXX Balance : {$0.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XXXX CREDIT XXXX Balance : {$110.00},XX/XX/XXXX XX/XX/XXXX ( Original Creditor :XX/XX/XXXX HOSPITAL ) XXXX Balance : {$570.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Company closed your account

In XXXX and XXXX I was out of state in Texas with family so I didnt receive any mail. Apparently during that time I was charged I believe {$22.00} for some XXXX XXXX thing. I never ordered this, it definitely was not sent to my address because my neighbor was collecting any packages that arrived to prevent theft. 

Apparently due to this {$22.00} unauthorized charge it over drafted the account and they stacked on several more fees amounting to a total in excess of {$95.00}. 

They never called me or emailed me. Typically in this situation either my local branch XXXX, MN or XXXX XXXXXXXX XXXX XXXX customer service would call me. I had no idea about this charge, the overdraft or any of this until I got home and saw a letter in the mail. 

I tried logging in immediately to file a dispute for the XXXX XXXX and was shown my account of 3 years was closed. I was in complete shock. Not only that but I was severely worried they would make a report stating I was a poor customer submitted to XXXX systems which would impact countless banking relationships current and future all due to this charge that I never made.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, I originally submitted a CFPB complaint on XX/XX/2019 against XXXX XXXX XXXX., a  company that I am not familiar with after checking all three of my credit reports. I check my Equifax credit report on a recurring basis and it appears that in XX/XX/XXXX/XX/XX/2019, XXXX XXXX XXXX. added an erroneous, negative collection account against me. This company responded to my CFPB complaint by sending a letter postmarked XX/XX/2019 stating " Our offices are in receipt of your request for verification. Enclosed is a copy of the billing statement provided by our client to confirm the charges. '' The enclosed bill that XXXX XXXX XXXX. sent to me is an Itemized Statement of Charges for XXXX XXXX. XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. This is a blatant HIPAA violation! 

Furthermore I spoke with an Equifax representative today ( XX/XX/2019 ) and he stated that Equifax actually updated this erroneous negative collection account as VERIFIED AND ACCURATE on XX/XX/2019, several days after XXXX XXXX XXXX. sent someone else 's bill. It appears that this is the information that Equifax based its ' verification on, given the fact that Equifax updated the report days after this letter was received. 

Equifax is not actually investigating the validity of accounts that are being added to a consumer 's report. How is it possible for this company to send inaccurate documents to Equifax that do not contain my personal information, and Equifax returned it as Verified? 

I would like for Equifax to hold this company XXXX XXXX XXXX. accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because Equifax didnt actually properly verify that this debt truly belongs to me.
Complaint sub-issue: Need information about your loan balance or loan terms

I currently have student loans which where in default and entered into a rehabilitation program. For reasons I still can not understand, I was forced to perform the 10 month rehabilitation program for two times because the program did not debit a payment and stated that I allegedly did not qualify and did the process again. 

I have been repaying my student loan for a couple of years in a direct repayment program and my balance is almost the same. I also noticed that the principal amount of my student loans are as follows : XXXX   XXXX  with Owner : XXXX XXXX : PHEAA Original Balance {$25000.00} Principal Balance {$32000.00} an increase of {$7200.00} Original Balance {$30000.00} Principal Balance {$39000.00} an increase of {$8600.00} Between these two loans there there is an increase in principal of {$15000.00} and I have been paying over $ 400 monthly during the past couple of years via a direct repayment program. 

Why is the principal so high and an additional {$15000.00} and besides that is has not increased after having made a couple of years payment. 

Please assist in how to proceed, options and assistance. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I made a payment though BillPay on XX/XX/2020 of {$300.00} to this card that is or was my account Issued by by Citi Bank, N.A. 
I contacted them on XXXX 2020 they could not find my account with the last 4 digits of account, Name, social security #, tellphone, address. At first I thought it was because I have not used the card in many years. 
Then I called the next week armed with my full account # XX/XX/2020 XXXX toXXXX XXXX, XXXX , and XXXX they told my account dose not exist. Therefore there will be no record of me calling and they can not find the money I sent. So they will not be sending any money back to my Bill Pay.
Complaint sub-issue: Debt was result of identity theft

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Upon checkout at macys online I was prompted to apply for a store card to save a percentage and earn points towards future purchases. I applied at checkout and was approved for the macys store card. I then returned to checkout to find the card had not been added. I called the customer service and the outsourced agent did not speak or understand XXXX well enough to understand my problem. She then said I could just tell her what I wanted to buy and she'd place the order. I was so confused by this so I went to macys and when they called on my behalf they coul not resolve the issue either or explain why I would be prompted to apply to save on my order then not be given the savings or the card added to my account. Macys customer service could not add the card my my account either. I never received the promotional points or percentage of my order and was unable to charge the items and paid another way. Predatory way to get people to apply.
Complaint sub-issue: Investigation took more than 30 days

Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.
Complaint sub-issue: Right to dispute notice not received

Credit reports states debt from collection agency. Never received notice nor verification of said debt.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Account number ending in XXXX was sold/ transferred to XXXX XXXX XXXX XXXX and with the assistance of the CFPB I was able to stop them from reporting inaccurate information to my credit files and to cease and desist. 

Since the time of the complaint. An unnamed authorized representative of Citibank , N.A . mailed a letter dated XX/XX/XXXX, requestion my personal private information based off my dispute with XXXX XXXX XXXX XXXX. ( See attachments ) Neither Citibank , N.A . nor XXXX XXXX XXXX XXXX are Holders in Due Course and I would like to know the name of the authorized representative who released the information provided to XXXX XXXX XXXX XXXX in efforts to collect an alleged debt. 

Citibank N.A does not have a permissible purpose to contact me in efforts of obtaining my private information. Please be advised XXXX XXXX XXXX XXXX have cease and desist as Ive previously requested and there has been no damage to my credit files regarding their debt collection attempts. 

I will not release any information to Citibank N.A. Please cease and desist. An honorable Holder in due course would be able prove any contractual agreements with an actual authorized representative. 

Please be advised the computer-generated letter provided by Your Security Operations Service Team XXXX Is not an authorized representative as Citibank N.A. are not Holders in Due Course.
Complaint sub-issue: Debt was result of identity theft

I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a jefferson capital collection collecting for XXXX XXXX. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called jefferson cap who gave me the number to XXXX XXXX and they dont answer the phone. I then called XXXX who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
Complaint sub-issue: Was not notified of investigation status or results

it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.