Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
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
Complaint sub-issue: Information belongs to someone else

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful This is Crazy How Can People do This Fraud Without My Consent Companies need to Do their Due Diligence before they allow just anyone to open these Account
Complaint sub-issue: Frequent or repeated calls

Starting from XX/XX/2019 I have received repeated phone calls from Citi Bank they will call 7 days a week and leave voicemail after voicemail repeating the same information. It comes off as a courtesy call to check my citi account which means to make a payment towards my account. There has been several occasions where I have made a payment and the very next day the phone call start up again. I have blocked 4 numbers so far but the calls have yet to cease.
Complaint sub-issue: Overdrafts and overdraft fees

When I opened my business checking account, I specifically opted out of overdraft protection. I wanted the bank to decline any transaction that would exceed my balance. 
Overdraft protection was added anyway, which I was not aware of until XX/XX/XXXX. By this time, I was not using the account much. A transaction for a {$69.00} subscription was processed putting my account negative. The bank did nothing to alert me of this promptly. They mailed a postcard to me, which naturally did not reach me until several days later. Several more small transactions occurred in the meantime which further compounded the overdraft " protection '' fees I was assessed. The fees added up to {$280.00}. I called and complained to online banking, and to two local branch managers. They agreed to refund {$35.00} of the fees and after more complaints, they refunded another {$35.00} for a total of {$70.00}. Despite my outrage, I remained with the bank for the time being due to the hassle of closing the accounts and switching banks. 
In XX/XX/XXXX, they decided to assess a $ 25 monthly fee for simply having the account. This was the last straw. I took steps to open new accounts with a new bank and switch all of my billing over. 
Today when I called to close my account, I had to wait 45 minutes on hold to get through. When I told the representative that I wanted to close the account, he launched into a sales pitch, but the line was abruptly cut. I called back, waited another 35 minutes on hold waiting for a representative and finally gave up. 
This is a terrible business practice. 
I want the {$210.00} they kept from the overdrafts in XXXX refunded, especially in light of the fact that I declined overdraft protection in the first place. 
And I want my account closed.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. As of this writing over 60 have passed and I have not received a response. I believe that Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove the item from my credit report. It has been over 60 days therefore they should be deleted immediately. I demand these account be deleted immediately or I will pursue litigation due to the financial harm this has caused me. My information also was impacted by the Equifax data breach and may have fallen into the hands of some bad actors.
Complaint sub-issue: Information belongs to someone else

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
Complaint sub-issue: Card was charged for something you did not purchase with the card

A credit card was opened in my name from Best Buy when I was XXXX years old. It has been negatively affecting my credit for years and shows I owe thousands of dollars. I recently checked my credit and was appalled Best Buy has been charging me for years without any notice to me or my guardians.
Complaint sub-issue: Their investigation did not fix an error on your report

I was marked as late per the attached dispute letter. I do not feel this is accurate. Can you please provide me with more information on how his information was verified with XXXX XXXX?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Please see attached documents showing schedule of debtors and the collection account. 
This was discharged in the XXXX  XXXX bankruptcy. 
The date of original debt is XXXX, you have to include ALL debt in a XXXX. 
The card amount doesnt match but there is no way anything prior to XXXX was not included in the discharge amount. 
This is criminal behavior!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Complaint sub-issue: No notice of investigation status/result

I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.
Complaint sub-issue: Debt is not yours

I.C systems sent me a notice regarding a XXXX  bill which I am not financially responsible for. 
I sent a letter requesting for billing information showing that the bill is mine. 
I.C systems never sent the letter. 
Instead I.C systems fraudulently placed a collection on my credit reports in violation of fcra laws.
Complaint sub-issue: Information belongs to someone else

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX 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: Their investigation did not fix an error on your report

MIDLAND MTG/MIDFIRST Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
MIDLAND MTG/MIDFIRST XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX 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 an consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Trouble with how payments are being handled

Okay Eye just got off the phone with Great Lakes/Department of Education regarding student loans and XXXX admitted that no Man or Woman representing Great lakes/U.S. Department of Education were present in the event that the contract/partnership/agreement was made which would constitute a meeting of the minds regarding everyone who's involved in the partnership. She also admitted after being asked who's been making payments towards the account if the Man who attended XXXX XXXX XXXX has not made one payment toward such account yet the account is paid up in good standing? She admitted that there could be fraudulent activities as she can be heard looking into the records themselves. This constitutes from the representative of Great Lakes/U.S. Department of Education own mouth that there's not only fraud and that they are the borrowers of the credit which was extended to them but there's proof of failure to validate pursuant to 15 U.S.C. 1692g that the Man whom they've made claims owing a debt does not owe such debt and that Man is actually owed back the credits which Great Lakes/U.S. Department representatives borrowed. No truth in lending disclosures can be found in the promissory notes, contracts/ agreements or partnership nor were there any disclosure pursuant to 15 U.S.C 6802 to opt out of financial institutions not disclosing personal information to a non-affiliated third party. The XXXX XXXX best explained the justification for the mutually exclusive approach in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, where the court found that a company that acquire [ s ] [ performing ] debt [ and ] continues to service it is acting much like original creditor, whereas a company that acquires defaulted debt must have acquire [ d ] the debt for collection [ and ] is acting more like a debt collector. To justify this approach, some courts look to the exception in F.D.C.P.A 's definition of " creditor '' and find that any person who receives assignment of an account in default is doing so solely for the purpose of facilitating such debt for another. Even if the entity owns the4 debt and is thus the person to whom the debt is owed, these courts find that the exception takes them out of the definition of creditor because the debt was originally owed to another. See XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008 ) ( finding that the definition of creditor excludes those who acquire and attempt collect a debt in default.
Complaint sub-issue: Billing problem

My vehicle loan was set up with A-L Financial on XXXX, XXXX and was scheduled for 42 month term. I have paid all my payments with a few hiccups. In XXXX of XXXX my car was impounded and the vehicle was repossessed by A-L Financial even though I was current on payments. I understand this is to protect their investment but charging a full repossession fee of {$690.00} when someone is current is outrageous. In XX/XX/XXXX I spoke to a manager in the XXXX office and asked if my payments would be ok being paid on the XXXX if each month since my payment was due on the XXXX prior. She advised me that would be perfectly ok and to add {$1.00} in payments to cover interest which I did. After this, things went on as normal and payments being made. On XX/XX/XXXX I called and talked to XXXX about what was left owed on my vehicle since I was coming to the end of my term. She gave me a balance of $ XXXX which I questioned because I knew I should or only had 1 more payment of {$330.00} since XX/XX/XXXX would be 42 months. On XX/XX/XXXX I talked to XXXX again and requested a summary of payments. On this summary of payments it shows 40 payments of {$330.00}, 1 payment of {$360.00}, 1 payment of {$350.00}, 1 payment of {$340.00} and 1 payment of {$330.00}. Which is 40 payments of regular payments and 4 payments covering any fees told by the office that was owed. On XX/XX/XXXX I called and talked to XXXX again. She advised me that I had a balance of {$330.00} which was paid as well. When I questioned the amount and payments XXXX response was check with your accountant I asked for her to help me and she replied thats just what the system says and there was late fees. I understand that there was late fees and the total was {$300.00} which would only equal to 1 additional payment not 3. This company has charged me an additional $ XXXX in fees and supposed Interest.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX/XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX,
Complaint sub-issue: Information is not mine

Equifax is ignoring my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I contacted XXXX and Equifax on XX/XX/XXXX to alert the fact that I had multiple credit inquiries that I did not authorize. The customer service representative would not assist in investigating or helping remove the unauthorized inquiries.

Below is the list ( by company, inquiry date, etc ) : XXXX : XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX-XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX  : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX Bankruptcy : Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem with personal statement of dispute

Applied for an auto loan and was declined because of a credit score from SageStream LLC with XXXX XXXX. Never heard of SageStream before this and their credit score is almost 200 points lower than XXXX. Who is this company that they can have such an influence in credit approval? The reasons for their decline aside from the credit score are ludicrous. Limited history for consumer at address and phone-have had this address for 5 years same phone number for 25 years, too few revolving accounts, too few bankcard accounts - have banked with same banks for 10 years and have their bank cards. This unknown company should not have the authority to make such credit determinations on anyone. Following research performed it appears that they are a scam consumer credit reporting company and banks using them for said determination appear to be scamming the consumer to inflate rates of interest and cash output. Research also shows that SageStream LLC is involved in numerous consumer lawsuits complaints like this and that complaints likewise have been issued against SageStream with XXXX XXXX XXXX  and FTC which I likewise will be doing myself.
Complaint sub-issue: Account information incorrect

I have filed a dispute in regard to the incorrect item on my credit report. It has been over 30 days and I haven't received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

AROU F XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.
Complaint sub-issue: Problem making or receiving payments

This is our problem : I accidentally overpaid my XXXX XXXX XXXX bill through my Citibank online banking service on XX/XX/XXXX. Instead of paying the XXXX XXXX XXXX bill which was {$200.00}, I paid them {$1700.00} which was to go to my XXXX XXXX XXXX Visa bill. My mistake. I called XXXX XXXX XXXX about this problem in XXXX, and they told me they would reverse the amount of {$1300.00} ( {$1700.00} minus {$200.00} ) back to us through the Citibank bill pay. That was supposedly done on XX/XX/XXXX. It never showed up. At that time we thought it was the fault of XXXX XXXX XXXX. After many phone calls and letters, XXXX XXXX XXXX created two investigations on their end. We also conferenced call with Citibank agents and XXXX XXXX XXXX agents to prove it to XXXX XXXX XXXX that the reversal had never been received. Finally, after speaking to XXXX XXXX XXXX XXXX Payment Research Team and following their investigation of the problem, they believe ( XXXX XXXX XXXX ) and I believe that the problem was on the Citibank end. At that point in time, we wrote and sent a letter to Citibank detailing the problem and suggestions that XXXX XXXX XXXX had. That was sent and received XX/XX/XXXX by registered mail. We waited and heard nothing back. We sent a second letter by registered mail that was received XX/XX/XXXX and to this day have never heard back. We have been with Citibank since the XXXX 's and thought that at least someone would reach out to us. We hope someone can help us resolve this problem.
Complaint sub-issue: Information belongs to someone else

I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax has re-added XXXX accounts on credit report that were deleted. i have attached the XXXX from XXXX for these accounts. 

Every week I am disputing these after they are added back on my report. 
XXXX XXXX and XXXX XXXX should be deleted also. they were re-added to report. I also have ID theft statement from FTC on these debts.
Complaint sub-issue: Information belongs to someone else

I am so confused on what is really 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.. I asked Equifax  where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX , XXXX XXXX, US DEPT OF EDUCATION