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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}
Complaint sub-issue: Information belongs to someone else

I applied for a personal loan with XXXX XXXX XXXX   today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.
Complaint sub-issue: Banking errors

I opened a new Citi Bank checking account online XX/XX/2022. It was opened online and the banker informed me via phone that if I maintained above XXXX for XXXX days, I would recieve a XXXX bonus. I have maintained balance of XXXX since then. I have called Citi bank customer service XXXX times to resolve the problem. I get a different answer each time. The last customer service rep created a dispute ticket and said I would get an email notification the next day on status of dispute but have not recieved XXXX and that was XXXX weeks ago. 

Here is copy of email, I recieved on XX/XX/2022 after I opened checking account. 
Thank you for enrolling in the New to Citi Checking Cash Bonus Offer Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. 

As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your XXXX checking account within XXXX  days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account for XXXX days from the XXXX day after account opening. * Balance XXXX Cash BonusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more {XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I transmitted {$1400.00} ( my rent ) via XXXX  - Citibank 's replacement for electronic money transferring. XX/XX/XXXX, my landlord contacted me and shared that he never received a link via his phone number. The following actions then ensued : XX/XX/XXXX + I contacted Citibank asking to provide me with proof that the money I sent was " deposited '' into the bank account of XXXX XXXX, intended recipient, who has a XXXX account.

XX/XX/XXXX + Citibank responded that they'd open an investigation and that if the funds were not picked up in 30 days from the date they were sent they'd be refunded back to me. Those 30 days went by and I called back and they shared that I was to then contact the recipient directly who went through his XXXX account and shared that the money was not deposited.

XX/XX/XXXX + I contacted XXXX for any assistance -- they shared that I would need to speak to Citibank. Called Citibank again, and they shared that they would get back to me.

XX/XX/XXXX + I received a document sharing that they'd gone through the records and found that the recipient had " received the funds. '' And that I was entitled by law to obtain copies of the information. I called the number listed on the document and requested those documents. The documents, to this day, have never been sent or forwarded to me despite multiple calls - 3 in fact, one sharing they'd email them to me, and others sharing that they didn't have those documents. XX/XX/XXXX - I would like this money to be refunded back to me so that I can provide that money to the intended owner. Currently, Citibank nor XXXX has provided me with proof that they accurately deposited the money into where I instructed them too.
Complaint sub-issue: Reporting company used your report improperly

They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for 1 mortgage
Complaint sub-issue: Debt was discharged in bankruptcy

XXXX was placed in my bankruptcy but it continuing to show as a debt on my credit report.
Complaint sub-issue: Reporting company used your report improperly

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 given reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Personal information incorrect

XXXX continues to report inaccurate information on my credit report. I have stated numerous of times via phone and mail that all phone numbers and addresses listed are removed. They continue to furnish this incorrect information without notifying me. 

I know under FCRA it is their duty to report accurate information and XXXX continuously refuses to do so.
Complaint sub-issue: Investigation took more than 30 days

hi XXXXhas a 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 XXXX. XXXX has me at a score around XXXX. 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 XXXX i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have negative inquiries on my credit. 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 XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Account status incorrect

Was told my account would stay current with no missed payments while I was under the forbearance, but they still reported missed payments.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I tried at Equifax to improve my credit rating, but I couldn't. I send out credit reports.
Complaint sub-issue: Debt is not mine

I was sued my XXXX University for XXXX loans. I loss the case due to an incompetent lawyer. But my complaint is against apposing attorney XXXX XXXX who represented XXXX. Atty.Cheadle has harassed me with illegal depositions and my best friend as well. I have filed with the XXXX which governs attorney 's. I have also filed a lawsuit against XXXX XXXX and Atty XXXX XXXX XXXX because she took a deposition illegally. The depositions are conducted without a Court Reporter. It is illegal as well to gather data from myself and XXXX XXXX. I have just filed a loan paperwork for falsified loans. In court I loss because my attorney did n't send the exemplars to the handwriting expert and Attorney XXXX asked the handwriting expert to go ahead and make a decision without my writings. My attorney sent them late and the Court had already made a decision. I am writing this complaint to complain about the harassment after the hearing. Cheadle Firm and Law has completely ignored the law and I do not believe that I am the only one the firm practices this unlawful acts upon. I am seeking help asap.
Complaint sub-issue: Frequent or repeated calls

keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Settled a loan Two years ago with one company now another company has to loan, now they wants to paid again calling wants me to submit document. I told the to call the original creditor.
Complaint sub-issue: Information belongs to someone else

The accounts listed aren't mine. PLEASE remove them.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX XXXX are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
Complaint sub-issue: Public record

There is a bankruptcy listed on my Equifax report that was settled, paid in full and closed in 2007. It is still listed under deragotory complaints. I believe this should ne romoved as it was resolved 9 years ago.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed inaccurate information on my consumer report since XXXX  and have been told my by XXXX, Equifax, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably cause to believe that the information is inaccurate.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2022 U.S. DEPARTMENT OF EDUCATION/NELNET received an EFT/ACH payment . Confirmation Number was received and confirmed on date, XX/XX/2022, of respective payment was made to the U.S. DEPARTMENT OF EDUCATION/NELNET in the amount of {$16000.00}. Furthermore, U.S. DEPARTMENT OF EDUCATION/NELNET used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt. Notice it is fact that I, the affiant am aware that the false character of the amount in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as the U.S. DEPARTMENT OF EDUCATION/NELNET alleges I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? Pursuant 18 U.S. Code 8 Obligation or other security of the United States.

Notice in fact that affiant is aware that all obligations of debt is the responsibility of the United States. 

Please adjust this account to a XXXX balance with an alleged debt, If you can not provide all documentary evidence requested.
Complaint sub-issue: Information belongs to someone else

One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. 

These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. 

I have been on the phone with LexisNexis now for XXXX and have not gotten anything fixed or verified yet.
Complaint sub-issue: Billing dispute for services

XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal
Complaint sub-issue: Their investigation did not fix an error on your report

Bankruptcy they say verified thru court .... i received letter from court saying THEY DO NOT HAVE ANY INTERACTION WITH CREDIT BUREAUS .... i asked that their source and any information be released to me per my right by the FCRA they said courts which clearly DOES NOT INTERACT WITH THEM I ASK THIS BANKRUPTCY BE DELETED ... it is not mine
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this inquiry not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including this again. 
XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX, HAS violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX Wrong Date of Birth : XXXX  Wrong Employer : XXXX
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern- There was an account FRAUDULENTLY opened in my name with XXXX XXXX.

I am victim of IDENTITY THEFT and this is one of MANY accounts that was obtained as result of such.

All 3 CREDIT BUREAUS are in receipt of my police report, along with other documents supporting such.

Ive contacted both the CREDITOR, that being XXXX XXXX and ALL CREDIT BUREAUS advising that this is not my debt.

XXXX  & XXXX have both completed their investigation and removed this account from my credit report ; however, EQUIFAX has not.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

Im having to re-open disputes with EQUIFAX every 30 days ; thus, again NEGATIVELY IMPACT MY LIFE.

Im confused as to why EQUIFAX is still reporting this on my credit when XXXX & XXXX   have both removed it.

Considering the MASSIVE BREACH this company, that being EQUIFAX, has exposed consumers such as myself to, it is very disheartening to see their lack of concern.

EQUIFAX has removed this account twice and placed it back on my credit yet AGAIN! This is VERY FRUSTRATING!!!
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a Macy 's store credit card where I have a history of making on-time payments with the exception of 1 month. This occurred in the beginning of XX/XX/2018 as I was transitioning from a long period of unemployment and had just gotten a new job. I reached out to Macy 's in order for them to work with me through this transition and temporarily help me with a lower monthly payment for a few months as I earned an income again. They were not willing to help me during this time of hardship and I could not afford the minimum payment of {$62.00} that was due on XX/XX/2018. At the time that was a substantial amount. I reached out to them with no luck and had to miss the payment.
Complaint sub-issue: Charged too much interest

I've had a Discover credit card for a little over a year now and noticed that my bill keeps increasing every month eventhough I haven't even used my credit card to purchase anything in several months. First I noticed that my bill was {$1500.00} in the month of XXXX then {$1600.00} in the month of XXXX. Now it's all the way up to {$1600.00} and I haven't used my card since XXXX. I always pay a little extra on my due balance every single month ( they usually ask for {$52.00} I give them {$60.00} a month ). So I can't understand why my balance is increasing instead of decreasing when like I said I have not used my credit card in like 5 months. In fact they even went up on my minimum due balance, at first they wanted only {$52.00} a month now they want {$130.00} a month. I feel like I'm being scammed here. Can you please help me? 

Thank You, XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I see that you have similar complaints over bills for purchases not made. I have been hassled for payment. I asked a bill with the alleged purchases made. I was told purchases were made in the last 3 months for a card I never activated. 

I have received the bill but no detail listing of charges as requested. I can not access the account on line.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX and I do not have a contract with REC MGM SYS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$150.00}
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : My name is XXXX XXXX ( DOB : XX/XX/XXXX SSN # XXXX ). As of XX/XX/XXXX last monthI reviewed my credit report and noticed a Citibank credit card account unauthorized me. This account is listed as an authorized user in my name which I have absolutely no knowledge of!! I've contacted Citibank several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Citi card ( XXXX ) that was opened onXX/XX/XXXX. I was only XXXX XXXX XXXX. This card has caused horrific problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action
Complaint sub-issue: Other problem getting your report or credit score

I have tried for months to get my credit report from Equifax and myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I was given a US Bank ReliaCard, which is a debit card issued to me for Pennsylvania Pandemic Unemployment Assistance. Since I began receiving the benefits on this US Bank reliacard account I've been able to perform a Card to bank transfer to my personal bank account, but for some reason I haven't been able to since XX/XX/20 and my benefit monies are accruing in their account and I can't access the funds, which I need desperately. Their website where I accessed this account and arrange for the transfer of funds no longer has the option tab for CARD TO BANK transfer. They removed it from their site. I tried to access my money through an atm and could not on several occasions. 
I tried calling them many times without being able to reach anyone and I'd always be left on hold for hours, until the call disconnected for no reason at all. Why can I net access my money? The US Bank Reliacard is holding vital funds for a lot of people and at the same time they're making money off the interest. I've read tons of complaints on this company. Is an investigation taking place? Please help me resolve this matter.