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

This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in  XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Complaint sub-issue: Account information incorrect

I have several queries from the same provider ( Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my XXXX and Equifax accounts. Please delete these queries immediately.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they are required by law under Section 611 ( 5 ) ( A ) of the FCRA to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Problem with customer service

My husband and I are on Income Driven Repayment plans while he is a resident XXXX as we have a partial financial hardship. I am on REPAYE, and he is on PAYE. Our loans are held by XXXX ( PHEAA ). On XXXX/XXXX/XXXX, we received a notification to submit annual loan recertification documentation. My husband and I submitted those documents promptly on XXXX/XXXX/XXXX. We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 


I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent XXXX # XXXX answered and had to transfer me to another department, so again I waited again until XXXX # XXXX answered. He informed me that the application was in manual review and should be finished relatively soon, probably by the end of the week ( XXXX/XXXX/XXXX ). 


After hearing no updates from XXXX, I called again on XXXX/XXXX/XXXX at XXXXXXXX XXXX. I spoke with XXXX # XXXX who said it would take 30-60 days from XXXX/XXXX/XXXX to process. I informed her that I had called on XXXX/XXXX/XXXX and was told that it would be completed last week. 


She transferred me to XXXX who stated she was a supervisor. She reviewed my information and said my application was queued for manual review, but strangely needed to be escalated or expedited, but somehow had not yet been done. She then provided a monthly estimate of {$1000.00} for the payment. I informed her that this was a significant increase and did not appear to include my husband 's loans, which we applied for and cosigned together on XXXX. She said she will try to expedite and we will hear an update by XXXX at the latest. I expressed concern that with my payment plan expiring on XXXX/XXXX/XXXX that this would not be enough time. Given the absence of response on XXXX/XXXX/XXXX, I have elected to file this complaint.
Complaint sub-issue: Don't agree with the fees charged

Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.
Complaint sub-issue: Seized or attempted to seize your property

On XX/XX/XXXX Gateway Financial Solutions repossed my car with my property in the car, my children 's XXXX, clothes shoes, my purse, my driver license and my ear pods, They have refused to give me any of the said items including my cash in car of XXXX $ I would like 2 retrieve my items. THEY ARE ASKING ME TO MAKE A PAYMENT OF {$150.00} TO RETRIEVE ALL ITEMS IN VEHICHLE. THEY HAVE REFUSED TO GIVE ME ANY ITEMS
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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: Their investigation did not fix an error on your report

Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Complaint sub-issue: Banking errors

I reported on XX/XX/2030 XXXX fraud TO US BANK for {$150.00} charged XX/XX/2020 LESS THAN 60 DAYS-US BANK LETTER IS LYING THAT IT WAS REPORTED OVER 60 DAYS. Close account per XXXX XXXX manager request.
Complaint sub-issue: Sent card you never applied for

I began an application process for a Discover it chrome Secured Credit Card on XX/XX/XXXX. However, I never completed the process. They requested that I verify my information by providing a copy of my Social Security Card as well as other documents. I never provided these documents, and received multiple email notifications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) stating that " Failure to verify the information above will result in a decline of your application. '' I had decided that I did NOT want to open this credit card, and thus chose not to provide the specified information. I trusted they were telling the truth in their repeated emails, and that my application would be denied. 

However, on XX/XX/XXXX, I received another email from Discover stating that my application had been approved, and they would be withdrawing a {$200.00} security deposit from my bank account. On XX/XX/XXXX I contacted the customer service phone number provided in the email. I told them that I did NOT want to open a card, had NOT completed the application, and had been told via email that my application would be declined. However, they refused to cancel the withdrawal request to my bank. 

XXXX lied when they said my application would be denied, and continued to process my application without my consent. This is deceitful, and is unacceptable.
Complaint sub-issue: Debt was result of identity theft

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX, andXXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Complaint sub-issue: Problem with personal statement of dispute

Intent To Sue Contacted Equifax multiple times concerning XXXX XXXX and XXXX continues to allow this company to report inaccurate and knowingly false accounts on my report this damaging my credit and ability to obtain financing. 
These account have been removed from XXXX and XXXX   because they did a proper investigation. Ive attached proof of removal from both bureaus below How could you verify account if 1. XXXX couldnt with the same 30 days you were provided 2. XXXX couldnt with the same 30 days provided 4. XXXX cant provide any legal signed documentation Requested documentation from all investigations but upon all verified investigations nothing verifying debt has ever been provided. Equifax stated in a cfpb complaint they were investigating said account but it was stopped per your website with out reason and not being investigated as stated. All documentation will be used to prove Defamation and Perjury!. 
Provided ample time to investigate under FCRA. Your Company continues to violate my consumer rights and section 609 611 612 616 and 617 of the FCRA. 
This is not a warning this is intent to sue for violation, and defamation. This will no longer be tolerated. Your company has 30 days to correct issue meaning provide documentation your company suppose to keep on file. Delete said accounts immediately or civil lawsuit.
Complaint sub-issue: Information belongs to someone else

On or around XX/XX/XXXX I noticed XXXX XXXX was on my credit report I know thats account was cleared however XXXX  and equifax has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove XXXX XXXXnis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because XXXX XXXX is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that XXXX XXXX would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately Equifax and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX job/ no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2020 I saw that my account was overdrawn. I deposited {$100.00} the same day at XXXX. 
Today is XX/XX/2020. I woke up today to see an overdraft for the amount of {$52.00}. This includes an overdraft paid fee of {$36.00}. 
There should not be an overdraft fee. I covered the amount yesterday. Besides, the fee is added because a {$20.00} charge came out last night. I am intending on covering that amount today {$20.00}. There should not be an overdraft fee if I am able to correct it today. I have my receipt. The bank is not being cooperative. I also suspect this has happened multiple times before but I was unable to prove it. The numbers change overnight frequently on the app ( by numbers I mean dates and times of deposits, withdrawals, and overdrafts ). I have requested an audit of my account, but have been refused. I aslo receive my paycheck through direct deposit. They hold my check for 3 days before making the funds available, incurring overdrafts. They will not give me a clear explanation of this process.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Citibank didn't have any additional payment options for my account. Most of the representatives that I spoke ( online chat ) to were deceitful in attempting to get me to agree to a payment option with the understanding that I didn't have the income to pay the full amount. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay $ XXXX monthly for both accounts.
Complaint sub-issue: Debt was paid

I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

In XXXX I was litigated against for private student loan debt. The servicer was National Collegiate Trust. The loan was past the statute of limitations and I told them that in court ; consequently the case was dropped. 

I still often receive phone calls and letters from various companies claiming I own the debt. I often receive letters from National Collegiate Trust trying to manipulate me into signing my name to debt that was never verified to me mine. I graduated from college in XXXX so, there is no reason for me to have student loan debt dated for XXXX. My name and credit information has been in several credit breaches. 

The debt is now over 10 years old. The collection companies know that this is past the SOL.
Complaint sub-issue: Account status incorrect

Equifax continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Equifax as : XXXX XXXX XXXX XXXX ... # XXXX These two accounts, having never been properly separated and distinguished by Equifax as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Equifax, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Equifax agents understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Equifax form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like them from having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false information!
Complaint sub-issue: Their investigation did not fix an error on your report

These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to My Landline Phone Account Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company or Organization XXXX XXXX XXXX  Account Number : XXXX Date fraud began:XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX  Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX  Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization XXXX XXXX XXXX  Account Number XXXX XXXX Date fraud beganXXXX  Date that I discovered itXXXX Total fraudulent amount : {$1100.00}
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

US Bank Reliacard is in violation of Reg E. There are security issues with Reliacard. I gave had to get replacement cards and pay rush fees. US Bank Reliacard violates Reg E by not investigating my fraud claim, and simply closing without investigation to avoid giving provisional credit and to avoid investigating.

Twice now, the card has been compromised with XXXX transactions that I did not authorize. Reliacard complied with Reg E the first time fraud happened and they resolved in my favor. However, US Bank Reliacard did not stop XXXX the second time and did not notice the fraud. 

The exact same circumstances occurred again with XXXX, and I tried calling them but it took two days to reach US Bank Reliacard. The fraud was reported on XX/XX/2020. 

Despite knowing that I've been the victim of fraudulent XXXX charges in the recent past, this time, US Bank Reliacard did not even investigate and did not provide me with provisional credit within ten business days in accordance with Regulation E. The investigations can take up to ninety days, but to avoid complying with Reg E, US Bank Reliacard closed it to avoid investigating and to avoid provisional credit.  US Bank Reliacard found XXXX charges were fraud and resolved in my favor a month earlier, yet they ignore the preponderance of evidence and don't even investigate.
Complaint sub-issue: Problem with personal statement of dispute

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ 100- {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. ***complaint numbers : 1 ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. *15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : 1 ) Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX