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

I established individual CashApp Account XXXX associated with XXXX XXXX Account XXXX in XXXX of XXXX as the sole account owner and authorized user. The preceding was undertaken by me personally in my name and with my Social Security Number of XXXX, address indicated at the top of this letter, phone number of ( XXXX ) XXXX and email of XXXX. I never modified the account in any way after inception nor added anyone else for account ownership or even access. 
After disputing three XX/XX/XXXX transactions where both my CashApp balance and connected XXXX XXXX checking account XXXX were debited for the same transaction, which had me paying twice ( XXXX XXXX XXXX XXXX Card Payment of {$7.00} on XX/XX/XXXX ) and thus being due a refund for the duplicate debits. When I requested a refund, instead of issuing credit and fixing the software glitch of a missing reset command, you forcibly closed my account, kept the duplicate debit money and then allowed unauthorized access to my account for over a year. 
Why would CashApp allow an unrelated party to take over or basically highjack the account of another customer, and how is this even possible? Did CashApp just oblige a call in request. The only conceivable reason for someone accessing the account of someone else is to accommodate illegal credit transactions, the deposit of stolen checks or accessing payments intended for another party, and subsequently affect unauthorized debit transactions, most likely offsetting back-to-back debit transactions to another account to conceal the theft but possibly even debits similar to those made by the legitimate account owner. The hijackers or those responsible for the theft are identifiable as the same as the beneficiaries of the debit transactions of the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed several complaints regarding various issues related to the same accounts with subacconts. The CFPB complaint numbers are : XXXX, XXXX, XXXX, XXXX. The last XXXX entries were closed out with Equifax stating an " investigation was conducted and results were delivered. '' However, for at least XXXX subaccount, a copy of my credit report current as of XXXX XX/XX/2021, indicated no new information was updated since XXXX XX/XX/2021, a date BEFORE at least XXXX of the aforementioned complaints was filed. 

What is clear is that Equifax may be responding to the CFPB as " in-progress, '' but then making no attempt to reconcile the errors on a credit report that even contracdict other information for the sae account/tradeline. For example, Equifax claims a date of first deliquency for XXXX of XX/XX/2021, but the payment history clearly indicates " no data available, '' and the data furnisher has made clear, in a letter dated XXXX XX/XX/2021, the account was in deferment at that time. The corresponding date the deliquency was first reported has been re-aged to a date in XXXX of 2021, over XXXX ( XXXX ) year AFTER the alleged date of first deliquency. More egregious is a payment history status for XXXX showing XXXX XXXX but an amount is listed showing there was no amount actually charged-off. 

It is very clear that the data furnisher can not keep accurate, verifiable records. As such I have asked that Equifax remove the accounts/tradelines with the erroneous data. What Equifax has done instead is to manipulate the dataset they receive to try and make the to reconcile the unverifiable information -- that exercise has failed. 

The accounts/tradelines correspondig to the data furnisher for XXXX and XXXX, being wholly inconsistent and contradictory for the same temporal periods, needs to be removed.
Complaint sub-issue: Account status incorrect

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Complaint sub-issue: Information is not mine

I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.
Complaint sub-issue: Other problem getting your report or credit score

I have been personally fighting against identity theft for almost 5 years and have had fraud on my credit for almost 10 years now. 
I have successfully disputed almost all fraud accounts on my report but my identity identifiers that all the credit report companies use are STILL mostly about persons that is not me. 9 times out of 10, all the accounts mentioned in the verification questions consumers have to answer to verify their identity are from the fraud accounts that have long been taken off my credit report.

Just recently I learned that my credit report is very likely being mixed up with another person who has the same name, same birth year, and lives in the same state as I. Credit reports and background checks are showing personal information of the other person, cars that I don't own, relatives that aren't mine, medical bills and utilities that aren't mine.

I have submited numerous disputes, notifying credit reporters of the issue with my identity verification questions. The questions may get more accurate for a moment or two, but they always seem to cycle back into fraud accounts and fraud deatils about my life as basis for the questions.

I have never been able to see the official dispute reports since the verification questions will prevent me from loging in and viewing the results. Half the time I can't even start a dispute because either the website wont work on my phone ( my phone is only access to Internet ) or my user account gets blocked since I failed the verifications. I have requested many times for an official dispute history report so I can have it for my records and have the information on the fraudulent accounts and personal data that could help catch the persons using my identity for their gain. I have never received a response.

I have called many times with next to no assistance, on hold for 2+ hours or being transferred over and over untill I get too frustrated and hang up. I have requested fraud alerts on my credit to last 7 years only to find out a temp 6 month alert was placed instead.

Accounts I dispute and have taken off my credit successfully, will suddenly reapear on my credit. Sometimes under a different collection agency or a slightly different original crediter name. All of my student loans are reported twice on my credit and not resolution ever happens when I dispute it since my student loan collection agency is not a big fan of me since I have submitted many complaints of their collections practice. A couple of fraud accounts still on my report will up the debt balance EVERY WEEK I feel as I have received next to no support or real assistance at all with my identity theft problem. Dealing with all the credit report agencies is like pulling teeth.

I just want some actual answers and assistance with this matter. Identity theft has already crippled my credit, finances and education. I just want some help so I can finally start living my own life.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I reported my credit card stolen back in XXXX with citi bank, I originally thought it had not charged my account as I had reported it on the website right away. However, when I saw my statement I saw that it did charge so I called to start a dispute. They claimed I had never reported it stolen even though the website showed I had and I had received a new credit card in the mail. Months went by and I was still getting charged late fees and was never given a temporary credit into my account. This resulted in significant impacts to my credit score. I have called many times to resolve this issue and every time I was told there was no active case, finally after speaking to a higher up I found out they closed my case in XXXX and found me responsible for the fraudulent charges even though this was highly unlike me and I gave them the police report number for the active POLICE investigation. I never received anything in terms of a letter, email or call that they had closed the case with me being responsible for the charges. The lady on the phone said that I had opened another one to dispute this and this time they would be sure to get the temporary credit into my account and contact me with the findings of this dispute as well as holding collections calls. However, today I received another collections call and I logged into the account. The balance is still sitting in my account and I have no received any information on whether the dispute has closed or what is going on. I am extremely frustrated and beyond over this situation, this needs to get resolved! We're talking {$900.00} dollars and XXXX months of lack of communication and beating around the XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX WFDS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Complaint sub-issue: Information belongs to someone else

I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.
Complaint sub-issue: Reporting company used your report improperly

I was listed as a potential victim of the Equifax cyber-hacking. Upon checking with their website it confirmed that I was probably a victim of the thefts. It allows for 1 year enrollment in an identity protection product without allowing the pursuit of litigation, restitution or arbitration. I am very worried that I will be a victim of identity theft as a result of the data breach. I would like to be able to retain the option to recover stolen funds, or funds spent protecting my identity from Equifax.
Complaint sub-issue: Unable to open an account

I opened an account at the US Bank Branch at the XXXX XXXX branch in XXXX, WI. She opened the account for me and the next day the account was on hold and then closed. I was told to talk to the branch manager at the location and I did, he told me that " we choose who are customers are '', meaning this is XXXX and judgmental, because I am white, I am not allowed to bank at US Bank. I feel like this comment is a violation of my right as a customer and the fact that I was judged based on who I am as by race. 

I also was a customer for long time prior to this, and I don't owe the bank at all. I would also never given a reason to why the account was closed.
Complaint sub-issue: Reporting company used your report improperly

Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XXXX to XXXX of 2017 and was n't disclosed until XXXX XXXX 2017.
Complaint sub-issue: Account information incorrect

on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX  ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
Complaint sub-issue: Confusing or misleading advertising or marketing

The dealership told me that I was denied because I received social security disability. And stated " you people made me lose over {$80000.00} dollars ten years ago ''. Al awhile I was still qualified for one of their used buy here pay here vehicle.
Complaint sub-issue: Public record information inaccurate

I sent Equifax a letter on XX/XX/2020 with evidence that the bankruptcy reporting under my name and SSN number is not compliant, not accurate and cant be verified. 
I am attaching letters from the Bankruptcy court and County Recorder of Deeds stating they dont report or verify records reported against a consumer. I also attached a letter stating I opted out of XXXX and froze my account with them. 
How can Equifax verify this debt as mine when they dont have access to any data to verify the Bankruptcy from XXXX or the Bankruptcy Court? 
All public records reported against me from Equifax are violating the Fair Credit Reporting Act and need to be removed immediately.
Complaint sub-issue: Information is incorrect

LexisNexis has willfully and maliciously allowed false information to remain on my insurance report for four years and is unable to provide accurate information in reference to the use of my profile with them. On XX/XX/XXXX I was involved with a not at fault accident where the at fault driver rear ended my XXXX XXXX XXXX and the driver was excluded for the owners insurance and thus was an uninsured motorist. Then on XX/XX/XXXX I was shopping for new car insurance and it was disclosed to me by XXXX, XXXX XXXX, XXXX and XXXX insurance that said accident was reporting as an At Fault hit and run accident with damage of {$17000.00} and makes me ineligible for car insurance. Upon contact with LexisNexis and the insurance company that handled the claim XXXX, it was determined based of evidence provided to me that LexisNexis doesnt keep accurate records of who requests a Loss History report or who requested a copy of the consumer file. Also it was determined that they willfully and maliciously keep false data on a consumers file because they keep claiming that my file states the accident is not a fault in their system but then when an insurance company pulls it they state at fault. There are multiple requests to fix the false information and even with an agent from XXXX insurance on the phone LexisNexis would still not fix the false information. Upon request from XXXX, XXXX XXXX and XXXX with two different policys this false information has been used to determine my rates with them thus causing me to pay higher premiums then I should have been paying.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.
Complaint sub-issue: Problem with customer service

I submitted PSLF paperwork in XX/XX/2022. It has been over 90 days now, and 2 of my submissions still have not been updated. I have called numerous times to get an update on my paperwork, but can not get through. I stay on hold for multiple hours, and never get through. I have yet to actually speak with a real person. You have to wait at least 4 minutes before even being put in a queue which I find very frustrating. It should not be this hard to get information. I did not have this problem from my previous lender. Feels like multiple hurdles are being put up to prevent borrowers ability to talk with a customer representative. I did not have a choice in who my loans went to, but this is not acceptable.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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: Reporting company used your report improperly

I have contacted XXXX Superior Court and they have advised they do not give out any information to the Credit Bureau, I have asked Equifax to Validate where they gotten there information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged Account at issue : DISMSD/CLSD XXXX Overview Reference Number XXXX Date Filed Reported onXX/XX/XXXX Responsibility Individual Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Reinserted previously deleted info

I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX a " paid coll '' XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by by these credit bureaus