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

This is XXXX XXXX and I am submitting you this CFPB complaint to request to you to remove the fraudulent accounts and information you report on my Credit File. I beilive I am a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and Information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Fee problem

My account went into the negative the day following XX/XX/XXXX following XXXX XXXX XXXX. US Bank sent me an alert at XXXX XXXX  that my account was at - {$9.00}. Upon seeing the alert I transferred {$110.00} from my savings account into checking. The following day four overdraft fees from the weekend posted bringing my account back into the negative. Having assumed these fees would not post I paid my gas bill, and got lunch on XX/XX/XXXX which incurred two more overdraft fees. I believed it was a processing error since I had the funds to cover my purchases, and that it would be fixed. 

When it was not fixed by Friday XX/XX/XXXX, I called customer service and attempted to get the fees reversed. I was informed that my transfer from savings did not post until end of business, unfortunately I do not have any receipt of when the transfer was made. I had to call three times, as twice my call was dropped when I tried to speak with management. 

I'm extremely disappointed in the complete lack of service or flexibility. I would like to close my account but browsing complaints here, am afraid I will be charged fees for it.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX XXXXXXXX Balance {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax previously that this account fraud being reported is not my account. The account listed as XXXX XXXX  XXXX in the amount of {$500.00} does not belong to me. I have never done business with any company or signed any type of contract with them. There are also inquires from companies listed that I have never applied for any credit with XXXX or XXXX. I have contacted the company listed and called Equifax and explained this is fraud in great detail. I have given them all requested information and this information is still being reported.
Complaint sub-issue: Didn't receive enough information to verify debt

student attended a private school to obtain XXXX license. student loans were taken out to pay for her education. but school was shut down during enrollment. when a school shuts down student loans are allowed to be discharged and not made responsible to pay back. the loan servicer for these loans were contacted and paperwork for loan discharge can be filled out and submitted to process this. but a separate statement from " XXXX XXXX '' was a couple months back for an amount of around {$2000.00} and then another one received again but had jumped up to a different amount for about {$5000.00}. So if loans are not in default and are eligible for discharge what is this separate balance? this school was The XXXX XXXX XXXXs College and they shut down this year. The owner did file bankrupt so not sure if this is a way for him to collect money any way he can. But as far as the education attempted here and not completed the financial aid was to pay for that under Title IV funding. I have the NSLDS print out with the amounts and loans owed but are not in default at this moment in time and are eligible for discharge. This is also not the first case that has been heard of the school sending out these notices to previous student trying to collect money in amounts that don't match or add up. with further questioning and investigation they do stop asking for payment. So that is why this seems fishy and an investigation is needed on both the XXXX XXXX that sent out the notice and the former school The XXXX XXXX XXXX College. I have already contacted loan servicer, attorney general and consumer finance bureau and in submitting this i hope there is action taken given all facts and paperwork to support.this balance i should not be repsonsiible for as i have paperwork supporting what i owe and will be discharged and from the school have received nothing to support this supposed debt owed to them personally.
Complaint sub-issue: Account information incorrect

I opened an account with XXXX XXXX ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )
Complaint sub-issue: Account status incorrect

XXXX XXXX accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I SENT A DISPUTE TO XXXX, EQUIFAX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE XXXX ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO XXXX AND EQUIFAX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON XXXX. I ONLY WANT XXXX ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.
Complaint sub-issue: Information belongs to someone else

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this companies. i have never sign anything.
Complaint sub-issue: Cashing a check

My wife and I stopped by BB & T located at XXXX XXXX XXXX, XXXX GA. The checking account is in my name, and as we are waiting for my wife 's permanent green card to arrive, the bank has not allowed us to place the checking account in both of our names or to open a joint checking account. I had two checks made out to my wife, one from XXXX and the other from a local hospital. The teller immediately refused to cash the checks because my wife 's name was not on the checking account ( we were in the drive through ). I explained why her name was not on the account, and he said he needed to look into the matter. I gave him my driver 's license, her driver 's license, and my debit card. After 20 minutes of checking he came back to tell me he could not cash another check I had given to him ( we had given three checks, the third was to me and my wife for a washer we sold as we were planning to move ). At this point we had been sitting in the drive through for 20 minutes, and our XXXX children under the age of XXXX were needing their naps. I walked into the bank to collect our IDs my debit card and checks ( none of which were cashed ). I asked to speak to a manager however the teller refused to let me speak with a manager. The teller 's name was XXXX, his shirt was untucked, and his overall attitude was very unprofessional. I left the bank, called and spoke with someone in the bank who identified herself as XXXX. XXXX told me that there was no manager in and that they were unsure when a manager would arrive, however someone would be in  touch with me later that day to discuss what happened. No one called. I have dealt with a great deal of unprofessionalism at BB & T the last 2 years, and have had to email them regarding their employees conduct, unwillingness to help, and general cluelessness. These interactions do no inspire much confidence in BB & T. Still, no one from this BB & T branch has reached out to me to discuss what occurred which is why I am filing a complaint. I need to add that I took all three checks to a BB & T close to my home later that afternoon, and the local branch manager cashed them all without any problem. He could not have been any nicer.
Complaint sub-issue: Account status incorrect

I contacted Nelnet In XXXX regarding my past due account. I communicated with the representative that I was homeless and without a job. That I am currently looking for a job but without residence it is harder. Representative assured me that the request for deferment was submitted and my paperwork was due by XX/XX/2019. 

I submitted my information and it was accepted and on the Nlnet website was updated to a due amount of {$0.00}. 
However on XX/XX/2019, my credit score dropped as a report of past due on my account was reported. I waited for the information to update and submitted a dispute on XXXX XXXX. XX/XX/XXXX another late payment was added to my account dropping my score 40 more points. 


I submitted an email on the Nelnet website asking them to please update their files as their inaccuracies are limiting my ability to find residence. 

I have yet to receive a response.
Complaint sub-issue: Didn't receive services that were advertised

I understand that XXXX, XXXX and Equifax assumed a vital role in assemble information on me as a federal protected consumer. XXXX, XXXX and Equifax is impeding the banking system. XXXX, XXXX, Equifax is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, XXXX and Equifax ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, XXXX and Equifax ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Complaint sub-issue: Information belongs to someone else

I Have Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Discover has been garnishing my paychecks illegally. I have a judgement that I never got serve papers for. I have contact them multiple times and they haven't done anything to settle this issues. I have encloses proof of them violating 15 USC 1692 laws.
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against Conns Appliances Inc located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns Appliances Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Account status incorrect

I've disputed at least 3 times with Equifax about inaccurate information thats not mine from accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. They keep verifying that its mine. I tell them that its not and request to see whats in my credit file to see if I can match it with my records, but they refuse to disclose this info. The information on these accounts are inaccurate and hurting my ability to obtain credit and causing me to pay higher interest rates. I want it removed from my account immediately. I've attached actual pages in my report that I got from Equifax in XX/XX/2018. Not a reseller, but Equifax. I've circled and notated all the mistakes.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted citicards on XX/XX/XXXX to file a dispute over receiving a ring that was not what I ordered. They requested that I outreach to 2 different # s that they had for the merchant, which I did with no success. I also attempted to reach out via the website that I ordered from but the website was taken down & via another platform w/no response. I again contacted Citicards to file my dispute on XX/XX/XXXX. I did not receive any correspondence from Citicards requesting any additional information from me ( I have attached a picture of my inbox as it says messages are held for 1 year ). 

On XX/XX/XXXX, I get an email telling me that my dispute was resolved and they sided w/the company, who sent a picture stating my package was delivered. This was never in question. My issue was that I received something that I did not pay for. They then requested that I send in what I got vs what I ordered or proof that I attempted to return it but requested that no pictures be sent in. How am I supposed to prove something if I can not send in pictures ( Letter attached ). 

I ended up composing a PDF document with everything they requested and sent it on XX/XX/XXXX ( This is attached ). They sent me a letter on XX/XX/XXXX stating that they had previously requested this information and it was not sent in therefore my dispute was closed. However this is completely untrue. I was never sent any letter either by mail or electronically requesting additional information. Even if this was true, the most recent letter from XX/XX/XXXX, regarding my dispute requested this info, which I sent. I expressed my frustration as I was attempting to contact them via phone but their system kept hanging up on me and I informed them that I would be contacting CFPB. 

Citicards never requested additional information from me asides that initial complaint on XX/XX/XXXX. I have attached a screenshot of my inbox as my correspondence is electronically and there is nothing there asides the letters I was sent informing me of my results and a letter from XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Contacted the company and disputed the debt in question was not mine at all someone had illegally and with out my knowledge or permission opened the account. The company responded that they investigated and the account is not mine. They didn't and have not taken the account off my credit report and out of my name and that's what they're supposed to do so please get this removed off my report and out of my name
Complaint sub-issue: Information is incorrect

Eviction notice from 2015  submitted in two formats -- eviction notice and {$4600.00} owed by XXXX XXXX XXXX.