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

Hi I am submitting this XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Complaint sub-issue: Was not notified of investigation status or results

I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.
Complaint sub-issue: Information belongs to someone else

There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX
Complaint sub-issue: Account information incorrect

The companies are reporting inaccurate information on my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX 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: Investigation took more than 30 days

This issue began about 1 year ago from today where I was scammed on XXXX while purchasing gym equipment and flooring for my new gym. I opened a dispute with Citi bank following the scam. 

The dispute has been ongoing for the past year, opening and closing randomly forcing me to spend about 60-70 hours total on the phone/on hold with Citi. They constantly told me it'll be resolved soon and when I discussed the case with dispute department managers they said it should be a simple case and resolve within 7-14 days. That happened about a dozen times. 

Fast forward to XX/XX/22 - Citi decided to place the {$12000.00} balance on my credit report and state that I am past due on my card, tanking my credit score and causing the rest of my credit cards to reduce my limits significantly. Now the currently amount being disputed is about {$18000.00}, well over the current balance. It makes no sense that I am " past due '' or owe them anything at all. Especially since 1 out of the 4 transactions for this $ XXXX was already sent back as resolved in my favor! They're all from the same scam. It doesn't add up. 

Furthermore, the Fair Credit Reporting Act makes it unallowable for a credit card company to negatively impact your score during an ongoing dispute. 

I am getting married in May and was attempting to purchase a house. The mortgage company says I am now under the qualifiable credit score due to Citi 's illegal use of credit reporting.
Complaint sub-issue: Information is not mine

Since XXXX/XXXX/XXXX, someone has been trying to apply for credit cards in my name. 
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 assures me that they have sent 2 letters to Equifax to remove these fraudulent inquiries. XXXX has sent XXXX letter. XXXX is in the process of sending a letter. 
I have spoken to Equifax on several occasions requesting they remove these fraudulent inquiries from my report. I have filed a police report on the XXXX XXXX and XXXX inquiries. Equifax claims they have not received any letters from the credit card companies. They also claim they can not request copies of the police report. I put a 90 day hold on my account with Equifax at the same time as a XXXX hold. XXXX showed the hold, but apparently Equifax either did n't do it, or does n't care, because the XXXX inquiry should have never been allowed without my consent. 

Can you HELP?
Complaint sub-issue: Was not notified of investigation status or results

I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.
Complaint sub-issue: Problem using a debit or ATM card

On the night of XX/XX/2021, I logged into my Moneylion bank account to find that my balance was at {$0.00}. Around {$9000.00} was missing from my acct. I immediately called customer service and the representative went over numerous multiple back to back charges at gas station/convenience stores located in or around XXXX, Ca. I have never been to that area of California and over the past XXXX I havent gone further than XXXX away from my home in XXXX XXXX XXXX Ca XXXX My debit card has also never left my possession nor does anyone have access to it. Due to Covid the number of people I see on a daily basis is extremely limited and my debit card has never left my possession. I still have my debit card that has since been deactivated. I asked the representative for detailed statements detailing all the unauthorized charges because I was only able to view very limited details through the app and only about the past 20 or so transactions. She stated I could get detailed statements through the fraud dept and she emailed me fraudulent charges paperwork to be filled out and returned, which I returned immediately. On XXXX XXXX 2021 I received an email stating that the paperwork I filled out and sent as an attachment in an email, could not be opened and that I needed to resubmit paperwork as a PDF file. On XXXX 2021 I resubmitted the paperwork as a PDF. I resubmitted paperwork on XXXX XXXX and I sent a separate email to the fraud dept. explaining that I had resubmitted the paperwork and I would like confirmation and that I would also need to see my detailed statements. On XXXX XXXX I received confirmation that my paperwork was received. At the time I filed police reports with the XXXX XXXX PD and also with Police dept in XXXX, Ca using the details I could remember from the initial phone call to report the unauthorized charges. I was told on the intial phone call that I would receive provisional funds within 10 business days. After 10 business days I began calling because I had not received my funds back into my account. Numerous days I sat on hold for over an hour and when it reached XXXX my time, I would be hung up on or transferred to general customer service because the fraud dept was now closed. I work XXXX and was having to miss work to make these phone calls. On XXXX XXXX at approx XXXX I got through to someone in the fraud dept. who verified my paperwork had been received but due to it being the end of the day he would have to return a call to me in the morning. I never received a call, at this point Im at a loss. XXXX was ruined as I had no money, that money was every dime I had been saving up and its gone and I have zero faith in getting it back at this point. A coworker suggested I try to get help through CFPB.
Complaint sub-issue: Personal information incorrect

Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a Jr and my file may be mixed up with my father or worse a stranger
Complaint sub-issue: Frequent or repeated calls

XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.
Complaint sub-issue: Their investigation did not fix an error on your report

To: EquifaxXXXX XXXX XXXX, GA XXXXTo Whom It May ConcernI am writing to dispute the following inaccurate information that appears on my Credit report. My rights under FCRA Sec 611(a)(2)(A). Apparently someone with similar name to mine filed bankruptcy and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report.I Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtor’s full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.I received dispute results please contact Public Record Information This section includes public record items obtained from local, state and federal courts through a third party vendor, XXXX. i have approved from XXXX no public record. I have provided evidence to get these accounts removed (Case No: XXXX)1-Letter from United States Bankruptcy Courts does not provide any information to the credit reporting agencies                                                                                                                                                                          2- Letter from XXXX   Bankruptcy public record Deleted On 08/2019                                                                   3- Credit report from LexisNexis on XX/XX/2019 no Bankruptcy public record                                                  4- letter From XXXX they open manual dispute to Equifax no Response from Equifax.                                                          Please delete these items as soon as possible I look forward to your response.XX/XX/2019Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX                                                                                                                                                     Tel: XXXX
Complaint sub-issue: Reporting company used your report improperly

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Complaint sub-issue: Problem accessing account

Hello. I currently bank pnc bank. I have issues constantly when I try to link my account to a third party such as cash app or XXXX who both use plaid. Every time I think I have it corrected pnc does something to interrupt the connection. I understand that the security aspect. But this is my bank account and I would like to use it how I want to use it. Its extremely frustrating.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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: Didn't receive enough information to verify debt

I have never heard of this company before and have never done business with them. After some research, i found out this company is not licenced in the state of florida to collect, which makes me feel like this is A scam and illegal. This is showing on my credit report which is how I got the information.
Complaint sub-issue: Right to dispute notice not received

I was not advised this debt was in collections. No one called me and I did not receive anything in the mail. I do not feel I owe this to the provider.
Complaint sub-issue: Fee problem

On XX/XX/2018, I was charged a service charge of {$7.00} due to holding a balance of less than {$500.00}. 

Keybank misplaced a deposit on XX/XX/XXXX which would have put my account well over the threshold resulting in me nor being charged. They still have not found the deposit and have just lost another one over {$1000.00}. 

Keybank is just very, very bad at what they do and they charge a premium for it. 

I want the {$7.00} fee refunded. I also plan to sue for the {$1200.00} and haven't begun collection process for their most recent blunder.
Complaint sub-issue: Old information reappears or never goes away

On XXXX I got an alert from my XXXX XXXX XXXX that Equifax has once again added a FALSE statement to an account that is CLOSED. They added a remark to my XXXX account that says Consumer Disputes The Account Information when I HAVE NEVER DISPUTED THIS INFORMATION. 



The account is closed, it is in good standing but yet Equifax puts a derogatory statement on my account that is FALSE and MISLEADING! I am sick and tired of this happening as this is not the first time. They put it on, then remove it and not put it back on my account. 

I am demanding that EQUIFAX remove this immediately and stop putting this XXXX on my credit report. 

The rep said that a confirmation number. # XXXX and his name is XXXX operator ID XXXX XXXX and he said that he removed the dispute codes and statements but He is a liar.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/XXXX, I sent notice to Equifax Information Services, LLC and advised them of an item reported by XXXX XXXX XXXX. I also advised them that XXXX XXXX did not send me a HIPAA release that releases my medical information to them which definitely violates my HIPAA rights. I asked Equifax Information Services, LLC to delete this item within the required time stated by law. Within the allotted time Equifax Information Services sent me a response saying the account was verified. I then sent Equifax another letter on or about XX/XX/XXXX advising Equifax to send me a  description of the procedure used to determine the accuracy and completeness of the information requested including name, address, telephone number of each person contacted regarding this alleged account and my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Again Equifax failed to do so. They simply responded the account was verified. A third time I sent a letter of final communication concerning the inaccurate entry being reported under XXXX XXXX XXXX, but yet again they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore Equifax failed to send me their method verification, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I advised them that I would be filing a complaint and if they should decide to correct their records and remove the negative false item in question to contact me. Again Equifax sent a letter saying the account was verified with no proof. Therefore I am officially filing a complaint against them.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2021 I called Hunter Warfield because there was something on my credit report. I asked for a letter to verify the debt because I have never received anything. They responded by harassing me and telling me that if I didnt pay them immediately they would sue me. I told them okay I understand that but I need to receive a letter. RUDE. The man badgered me about everything but sending me the letter. I mailed them a letter as well telling them I wanted written communication and no more calls, that I was requested a debt validation. 3 weeks later and no response. They are still trying to contact me by phone.
Complaint sub-issue: Overdrafts and overdraft fees

I have requested that U.S. Bank allow me to opt out of overlimit fees on my account, as I understand we are allowed to do by law. I sat across from a branch manager to make this request in his office, and he told me that I can not opt out of overlimit fees on checking. They regularly allow " subscription services '' to charge without authorization. I have tried to cut off all these " subscription services, '' but I feel like I am constantly getting hit with overlimit fees regardless. I note that I have recently gotten an overlimit fee for a bank transfer. Again, I have asked them to simply deny the transaction, and they have said they will not do so for my checking account.
Complaint sub-issue: Problem with customer service

XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.
Complaint sub-issue: Didn't receive enough information to verify debt

I had a  XXXX  account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m  e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his  tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit
Complaint sub-issue: Debt was result of identity theft

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Account information incorrect

After perusing my credit profile and series of corresponding, I had noticed so many discrepancies/inaccurate/error reports on my credit profile account. 
This has greatly violated my right under fair credit act 15 U.S. Code 1681s2 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. And not limited to 15 U.S. Code 1681c I request that all these accounts be deleted from my credit file.
Complaint sub-issue: Debt was paid

They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them.