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

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.
Complaint sub-issue: Banking errors

THIS IS NOT A DUPLICATE REQUEST- THIS IS A REQUEST THAT RESULTED FROM THE INCOMPLETE RESPONSE In XXXX I was promised that I would receive grandfathered guidelines as long as I qualified for them. This was promised to me by a the XXXX XXXX area retail leader and the XXXX branch manager since a bank error caused XXXX to not recognize the grandfathering automatically. I confirmed this with XXXX branch manager XXXX in XXXX of XXXX. I still received fees on my account anyway. I would like them refunded. 

To be clear. I'm requesting that the service fees charged on my Key Priveledge select checking in XXXX and XXXX re refunded to me through a check mailed to my house. This amount should be {$500.00} or {$550.00} I'm locked out of my online banking so I can not verify the exact number of fees.
Complaint sub-issue: Information belongs to someone else

Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to XXXX XXXX XXXX XXXX. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
Complaint sub-issue: Old information reappears or never goes away

The Credit Bureaus known as Equifax, XXXX, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore Equifax, XXXX, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Complaint sub-issue: Debt is not yours

Hi and how are you? Listen, I've disputed this account before with Elan FInancial services and they removed it base on the errors and  violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your  authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Investigation took too long

I have disputed wrong information on my report since XXXX/XXXX/26, and I have not receive any disputed results from equifax
Complaint sub-issue: Information belongs to someone else

This is my countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; 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: Trouble closing card

Wisely claimed to have returned my paycheck to XXXX on XXXX but XXXX has no record of such a transaction. I think they are keeping my pay.
Complaint sub-issue: Debt is not yours

XXXX XXXX DBA XXXX XXXX is in New Jersey. I have never been to New Jersey. Also, this was supposedly created in XXXX. I have been XXXX XXXX in the military since XXXX. XXXX I was in Colorado.
Complaint sub-issue: Their investigation did not fix an error on your report

Good evening. Since XX/XX/2022 i have exercised my right to request an investigation of the XXXX Bank account that appears on my credit profiles at XXXX Equifax and XXXX SEVERAl times. i have disputed this account by paper mail in writing and by certified mail with a signature on the receipt. I have my tracking numbers for each dispute each time it was received by the credit bureaus. each time the bureaus have updated the account or verified it as accurate and i am in disbelief to see yet still so many inaccuracies with this account when each of the bureaus has said the information has been certified as accurate by XXXX XXXX, im in very much disagreement with these outcomes because the information on this XXXX XXXX  account does not match across all three bureaus. How is that possible when XXXX Bank has CERtified to each bureau that the information they are reporting on my profiles is complete and XXXX percent accurate? it seems to me this account is truly unverifiable. FCRA guidleines show that if an account is unverifiable incomplete or not XXXX percent accurate it must be removed from my profile. also the account in mention has not entered the required notice of dispute with in 30 days of these disputes which is a payable violation. i have attached screenshots of this account as it appears on my credit files and you will see the inaccuracies that exist on this ALLEGED verfied and accurate account, such as the high credit does not match across all three, payment history does not match and a pleathora of other inaccuracies and incomplete inofrmaion. thank you
Complaint sub-issue: Funds not received from closed account

After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!
Complaint sub-issue: Report improperly shared by CRC

I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Equifax to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Equifax is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.
Complaint sub-issue: Debt is not yours

I recently acquired a debt for XXXX wireless that I do not owe for {$740.00} to a company called " Jefferson Capital Systems ''. I believe this is a fraudulent report and it dropped my credit score XXXX points. Please help me get this removed from my report.
Complaint sub-issue: Problem adding money

On XX/XX/XXXX I received my social security check thru direct express and when I checked the balance its lower than I expected. I checked the transactions and found out that there is a pending transaction of XXXX that I did not recognized, I called direct express and disputed the charge and told them not to pay, they said they will cancel the card so it cant be use and replaced with a new one. I went thru my account with direct Exoress customer service and found out that a merchant had been charging my acct ever month for the part 12 months on the day that I received my check. The customer service help me file the dispute and said I will sign a form that she is going to send and mail it back within 10 days. I did not get the form on the XXXX day. Anyway I called them before that and they it was already sent and just XXXX it back once you get it which I did. I called direct express 2 days later and they said that my dispute is denied .I argued with them because it looks like that they did not do an investigation but analyze it based on their form. 
I research and found out about the merchant and called them, I told them that I did not authorized those charges and they said they will refund the money and the customer service was doing that while talking to me and he said that it is not going through. I said because the old card was cancelled but I have a replacement card. They can only refund on the card they took money from and asked me to call direct express to temporarily reactivate the card. I called direct express and told them that even if you denied my dispute the merchant is willing to payback but on the card that was already cancelled, direct Exoress said dont worry the refund will go to the new card just tell the merchant that it will go through. So I called the merchant and told them what direct Exoress told me. The merchant and myself tried.to call direct express but the wait time is over 30 minutes. I called direct Exoress and asked them if we can do a conference call but they said they do call merchants instead they asked me to call merchant and asked for a letter that they will refund money and fax it to direct express. He gave me a fax that is not working. I called direct express so many times and is transferred to other departments and they said they will not reactivate temporarily the old card! I called merchant too so many times and asked them to refund in the new card if send me a check but they said they can only refund in the old card. Please help me get my refund. 

Thanks XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Complaint sub-issue: Threatened to take legal action

On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received 2 hard inquiries from XXXX XXXX XXXX, which I did not authorized. These 2 inquires appear only on my Equifax report. The first occurredXX/XX/XXXXXX/XX/XXXX and the 2nd occurred more recently XX/XX/XXXX. As you may or may not be aware, Equifax has had a recent information data breach. So contacting them and attempting to remove anything is futile. I thought this had been handled last year after I had requested a 90 day freeze for every 3 months last year. Unfortunately, this appears to be a pattern of bad behavior on Equifax. I am trying to restore my credit and this type of behavior and malignant pattern is affecting it greatly causing my credit score to drop significantly.
Complaint sub-issue: Their investigation did not fix an error on your report

After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.
Complaint sub-issue: Account status incorrect

during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX XXXX, i contacted XXXX XXXX XXXX in XXXX XXXX california. i filled out an online form to gain more information on a vehicle they had for sale, as i had been pre approved for a loan through my local credit union. XXXX XXXX XXXX ran my credit, causing a hard inquiry and causing my credit score to decrease. I immediately contacted them and told them that i had never applied for credit and to please remove the inquiry and they said no,.