Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble closing card

In XX/XX/2021, I received notification that KeyBank, N.A. had opened a XXXX account in my name. I did not apply or consent to the opening of this account. I have never applied for or received benefits under this program. The account information was mailed to a satellite office of my employer. Upon receipt of this information, I reported the fraudulent application to KeyBank. I was advised that an unknown individual submitted a fraudulent application for unemployment benefits to my state XXXX XXXX XXXX I was told that matter had been reviewed and closed as a fraudulent claim. Thereafter, I reported this fraudulent activity to the XXXX. I was advised by the XXXX that the account has been terminated as fraudulent and that no further action was required. 

On XX/XX/2021, KeyBank mailed an account statement, related to the fraudulent account to the address that was used to fraudulently obtain unemployment benefits. This letter included my identification information and the last XXXX digits of an account that was reportedly ( 1 ) never opened and ( 2 ) terminated by inactivity. I called KeyBank yesterday to report the fraudulent transaction. I was disconnected by their automated system twice. There was no option to speak with a representative directly. Their fraud department would not permit me to file a fraud complaint because it could not locate the fraudulent account. Upon reaching a supervisor, I was instructed that my only recourse was to contact the XXXX. When I inquired as to the recent letter, which was mailed by KeyBank, not the DOL, I was told that they mailed XXXX XXXX letters to anyone that may or may not have accounts, without regard to any reports of fraud. I was told that they do not scrub their accounts for reports of fraud to make sure that the notices that they are mailing are not sent to addresses that were previously reported as fraudulent. Despite having reported the fraud XXXX months ago, the fraudulent address remains an active and valid address in KeyBank 's system, without explanation, and without the ability for me to do anything about it. I was told that since I did not open the account, even though it was opened in my name and I am the reported beneficiary, but rather the XXXX opened the account, without my consent, I have no right to any information regarding the account. Therefore, KeyBank refuses to confirm in writing that the account has been closed. KeyBank is playing an active role in this fraud by refusing to acknowledge my complaint, refusing to confirm in writing that the account is closed/never opened, disseminating my information to an address that has been reported to be fraudulent, and refusing to take corrective action to stop the future dissemination of my private information.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020
Complaint sub-issue: Information belongs to someone else

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Complaint sub-issue: Debt was paid

Debt collector sent a letter claiming a balance from cable company was owed and has went to collection. Called cable company, they said there is no balance due on the account
Complaint sub-issue: Account information incorrect

I have a concern reguarding Equifax only at this point?. Last year I was given a 12 month relief from making any payments at all based on the fact i was in a Federal disaster area during XXXX XXXX. Because of the XXXX and losing my home I am now in a XXXX  situation. I applied for and was granted in XX/XX/2018 a 12 month Forbarence on my student loans. I noticed today that Equifax and only them so far dropped my FICO score 67 points because of the 12 month Forbarence statement from XXXX which has my loans. From what ive read, i should not see a major decline if any at all on my credit score because of this? As of this past friday i finally recieved a very nice Job offer from XXXX XXXX ( XXXX XXXX XXXX ), which will be doing a background and credit check to complete my hiring. I am now afraid i will lose this great paying job because of my extremely low FICO score. Without this good paying job and full benefits for my family we will continue to struggle to get off of the streets? Is this something that is legal for them to decrease my score 67 points? When what i thought I was doing, was a responsible act with my creditor? I do not have any missed or late payments on my student loans at all and am in good standings according to Equifax? However i am being penalized because of this situation, which started with a Natural Disaster?
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX I received a letter from XXXX XXXX XXXX ACCT # XXXX on behalf of Usi Solutions Inc ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally 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. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1. THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to collect from the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I made a dispute with XXXX and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Complaint sub-issue: Attempted to collect wrong amount

Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.
Complaint sub-issue: Banking errors

I opened a new checking account that comes with a {$500.00} bonus in XX/XX/XXXX. The term was to deposit and maintain at least $ XXXX, and the bonus would be deposited on or before XX/XX/XXXX. I didn't see it on XX/XX/XXXX, so I sent a secure message in the online banking. No response. Tried again on XX/XX/XXXX but still no one look into it. I called the number at the back of my debit card. A customer service looked in the system for 40 minutes and then asked me to go to a branch to try. I feel I'm being kicked like a ball and no one really wants to honor the promised term. I request deposit {$500.00} bonus to my account immediately. Please see all the supporting documents attached
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses that are unknown. Please remove them.
Complaint sub-issue: Information belongs to someone else

I pulled my credit for the first time and I have derogatory items that are not mine. these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Complaint sub-issue: Report provided to employer without your written authorization

On or about XX/XX/XXXX, I reviewed my XXXX  credit file and noticed an inquiry dated XX/XX/XXXX performed by a company named XXXX. My employer uses this search company and I suspected that an employee had performed an unauthorized credit personal information search. I researched XXXX and found out it is part of the LexisNexis company and proceeded to contact them by phone. I spoke with a representative who advised me the would look into the situation and I proceeded to file an inquiry with them ( LexisNexis Consumer Number XXXX ). On XX/XX/XXXX, I received a response from LexisNexis advising me that they had completed their investigation and had been unable to locate any inquiry on XX/XX/XXXX ( Attached ). I did not immediately realize LexisNexis was citing the wrong date. Several weeks later I contacted LexisNexis to advise them of the incorrect date. The customer service representative looked up my Consumer Number and advised they would investigate the correct date. After several months, I once again contacted LexisNexis for a response. I was given the runaround but that I would receive a written response. Another several weeks went by and again I called LexisNexis and given more excuses. This time, however, they did provide a written response, dated XX/XX/XXXX, stating that in response to my inquiry they had contacted XXXX, XXXX  and XXXX  for a response and not received one from any of those companies. Neither of those companies had anything thing to do with my inquiry ( with the exception XXXX  who was merely reporting the inquiry ). Those companies did not initiate the inquiries, their own subsidiary XXXX was used by their own client for the unauthorized inquiry. 

I have also contacted my employer regarding the unauthorized inquiry but they have stated they have no record of an entry regarding a report on me on that date in their logbook. Of course the individual who did the unauthorized inquiry would likely not have entered it into the logbook, which does not speak very highly of their internal controls. 

I need LexisNexis to confirm who requested the unauthorized inquiry of my information through their subsidiary XXXX.
Complaint sub-issue: Problem with fees charged

I am contacting your establishment to report XXXX failure to honor the XXXX time waiver of a {$15.00} late fee. I have called into CarMax multiple times and received multiple emails stating that the request to waive the fee request was denied with no explanation. At my initial request and all following waiver requests ; each CarMax representative advised that the fee will be waived and that they just need to put a request in for it. I was advised it takes XXXX XXXX business days at the most for approval. However, to this present day, ( about a month has passed ) and the late fee has still not been waived and Car max continues to charge it as part of interest fees due to the fact it is tacked onto the total balance amount. 

I am requesting immediate removal of XXXX {$15.00} late fee and to correct the difference in any finance and interest charges that were higher due to the balance at the time of calculations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}
Complaint sub-issue: Attempted to collect wrong amount

Hello, I received a bill from company stating I owed a different amount than what's trying to be collected. They said I never gave notice of my moving out but that is incorrect because I gave notice months before the move out.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

The following are copies of messages so sdnt to Best Buys Citi Credit Card company after they, without warning, lower my credit limit thus maxing my utilization percentage, damaging by credit rating in reports to the credit bureaus. 


https : //citiretailservices.citibankonline.com/ - 1. My payment record is perfect, never late. However, XXXX has notified me you have chosen to lower my credit limit from {$2000.00} where it has always been, to {$1600.00}, thereby damaging my credit by increasing the usage rate. Thanks for rewarding my perfect payment record in this way. 

In light of such capricious and unwarranted action, my goal is now to quickly pay off my balance snd not use this card again. Thanks. 

Citis Response was essentially a non-response. 

2. 
Please know that I have used this card for the last time, and will be forever telling my friends and why. Damaging my credit by arbitrarily maxing my utilization percentage without cause is a slap in a loyal customers face. No company who does this can be trusted. 

Additionally, your customer feedback email yields content in French, not English. XXXX
Complaint sub-issue: Information belongs to someone else

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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. 
XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXXXXXX 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 : it also states a consumer reporting agency can not furnish a 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i filed report XXXX with ftc reporting fraud i need you guy to delete all the hard inquirys from my report i filed report what else do i have to do thanks
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card company decided to side with a merchant who rendered no services. I don't even know how something like this happened as no credit company I've ever had would do this. I was asked no follow up questions during their " investigation '' and would like my money back considering the merchant did not provide any services and I received nothing from the merchant. It boggles my mind how Citi decided they deserved money for something that was never done.
Complaint sub-issue: Public record information inaccurate

I tried to have Bankruptcy removed from LexisNexis report.On XX/XX/2020 I received a letter from LexisNexis dated XX/XX/2020 that doesn't state anything removing All bankruptcies from there report ( s ). 
Consumer Number : XXXX Case Number : XXXX XXXX, XXXX, XXXX has removed the Public record " Bankruptcy '' from the credit reports except LexisNexis.The 10 years is up
Complaint sub-issue: Public record

In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.
Complaint sub-issue: Debt is not yours

I have a debt collection in the amount of {$5700.00} from pro collection on my credit for an apartment ( XXXX XXXX  ) I have never lived or leased an apartment for. I have been wrongfully accused. I have filed multiple disputes and filed a police report. I have proof that was provided from the leasing office that I never lived there.
Complaint sub-issue: Account status incorrect

HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX