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

Applied for loan with XXXX who shot gunned the application to about a dozen finance companies. Information returned indicated that I had charged off a {$1500.00} charge on an XXXX credit card affecting the interest rates offered negatively. I contacted XXXX, one of the credit reporting agencies and disputed the information they had on file for me. corrected some of the information but left the charge off from XXXX and an Alias they had listed for me. Apparently the individual involved in the XXXX charge off was named XXXX XXXX who lived in the home I occupy previously. The name XXXX XXXX as listed as an alias I had used in the past. 

XXXX corrected most of the incorrect information but left the charge-off and the alias of XXXX XXXX. They indicated XXXX says the information is correct. I've since contacted XXXX and they will share no information with me. Later, I received a shipping notice from XXXX for a purchase I did not make. I also recently received a notice from XXXX XXXX XXXX trying to collect another XXXX debt that is not mine. Reference # and XXXX XXXX were included. I contacted XXXX again and they refused to get involved even though they sent the information to XXXX XXXX.
Complaint sub-issue: Funds not received from closed account

Citibank sent me a letter on XX/XX/2022 saying they are going to close my checking account because of the possible fraud activities on my account. I called the Citibank many times to understand which transactions they think is fraud and when I could get the money back ( around {$400000.00} ). They told me it takes 30~60 business days to review my account and return my money. I told them I can send documents to prove all the transactions are legal but they said it is not necessary because they will request the document if needed. After 60 days, they told me the account was closed on XX/XX/2022 and I should receive the check in 5-10 days. After 10 days ( XX/XX/2022 ) they said they need to confirm with the back office and internal resolution team if the check is sent out or not. If not, they will resend it again. Today ( XX/XX/2022 ) they told me they won't return the money because the money doesn't belong to me and they can not further assist me. I asked to escalate to supervisor and the call was disconnected.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Remove the following fraudulent information completely from my Credit Report : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$23.00} ; 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 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
Complaint sub-issue: Account status incorrect

Regarding dispute confirmation number XXXX : Your website says the dispute was close XXXX XXXX however, the consumer report I generated on XX/XX/2022 states that a reinvestigation of the account is still in process. The information communicated on your website is inaccurate.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.
Complaint sub-issue: Can't decrease my monthly payments

i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them
Complaint sub-issue: Old information reappears or never goes away

Information was already removed but still showing.
Complaint sub-issue: Application denied

In XXXX of 2021, I applied to be extended credit from Discover. I applied through their website, providing them with my social security number. I was denied. 
XXXX XXXX XXXX I called Discover a XXXX days later and asked why I was denied. Discover representative stated it was because of information on a consumer report provided by XXXX. I expressed that I have a credit report that I can give them that is accurate because XXXX is furnished information about me that I have not consented to be furnished. The Discover representative ( who claimed to be a XXXX XXXX XXXX expressed Discover only gets reports from the three major credit bureaus which he stated are XXXX XXXX XXXX XXXX and XXXX. I asked, who made them the major three?. To which he had no response. 
I informed him that I am the original creditor and that Discover -since taking my XXXX digit security number ( social security number ) should extend credit back to me. 
He stated, that is not how it works. 

However, I know that is what the law states. 
He shared that Discover would not be extending me any credit.
Complaint sub-issue: Account status incorrect

Citibank. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020
Complaint sub-issue: Account information incorrect

This account was closed and charged off which means the debt was sold! 

XXXX  is reporting inaccuracies from the highest balance This account is very old from 6years ago it's devastating having this appear on my credit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX XXXX accounts : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and ( Original Creditor : ) XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Had Identity Thief in XX/XX/XXXX And XX/XX/XXXX By Criminals Movers Stealing All My Identity. And Opened Accounts Thats Never Got Letters From XXXX XXXX Saying. I Have All Your Informations You dont Paid Your Bills??. All The Names In The Feds. Supposed To Go To Court. Today XX/XX/XXXX XXXX But Woke Up Late. And The Clerk Was Going To Give Me A Warrant. Told Him I Almost Had A Crime In My House And The Court Did Nothing For Me??. Never Received A Letter Until My SSN Is Compromised. And XXXX XXXX And Her Criminals Friends Stolen All My Identity. Send Them A Letter Next court Date Is XX/XX/XXXX at XXXX : am
Complaint sub-issue: Information belongs to someone else

FOR THE PAST 3 MONTHS I HAVE BEEN REPORTING TO EQUIFAX THAT THERE IS A FRAUDULENT ITEM ON MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT AND THEY REFUSE TO HELP ME. I HAVE BEEN CALLING AND FAXING INFORMATION TO THEM, THE SAME FRAUDULENT ACCOUNT WAS REMOVED FROM THE OTHER 2 BUREAUS. I DON 'S UNDERSTAND WHY EQUIFAX IS NOT ABLE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Complaint sub-issue: Problem getting my free annual report

Tried to obtain my annual credit reports. XXXX was no problem. Equifax and XXXX both were unable to send. Equifax questionnaire asked questions but none were related to any information about me. XXXX did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.
Complaint sub-issue: Billing problem

Hello, My name is XXXX XXXX. I have an auto loan with Audi Financial Services that I opened on XX/XX/XXXX. It's a 60 month loan, I've made XXXX payments so far, and the monthly payment is {$340.00}. The last four digits of the account is XXXX. 
The payments were setup to automatically debit my checking account at XXXX Bank every month on the 2nd day of the month. The checking account last 4 numbers was XXXX. 
On Monday XX/XX/XXXX we noticed there were some unauthorized debits to our checking account and we decided to close the account and open a new one. The new checking account ended in XXXX. 
On the same day I went onto the Audi Financial web site and cancelled the auto pay from checking acct. XXXX to avoid getting some sort of penalty for nonpayment since I knew my payment was due XX/XX/XXXX and I knew the account would be closed. I then set up a new auto pay with AudXXXX attached to my new checking account, XXXX. I was told the new auto pay would not be active for the XX/XX/XXXX payment but would kick in for the XX/XX/XXXX payment. So within the Audi website I made a one time payment from the XXXX checking for the XX/XX/XXXX payment. I have documentation attached proving all of this. 
On Monday XX/XX/XXXX a payment for {$340.00} was deducted from the old checking XXXX account, and also an additional payment of {$340.00} was deducted from the new checking XXXX account!!! The there was no money in the XXXX account so we were charged a NSF. We transferred money from our savings to the XXXX account to cover the payment. 
So apparently we made a payment for XX/XX/XXXX, and a payment for XX/XX/XXXX which was not supposed to happen. The Audi web site says my next payment is due XX/XX/XXXX. 
I'm upset because I performed my due diligence to avoid a problem and they did not do their due diligence. I didn't want to make 2 payments. 
So, thank you very much.
Complaint sub-issue: Billing problem

I bought a XXXX  and financed {$73000.00} in XX/XX/XXXX, I had missed a payment and Ally extended to the end of the loan, again in XX/XX/XXXX, I made the late payment fees and interest payments as they told me, then Covid hit and I like most people took an income hit, I called Ally and they told me just go online and hit button for payment assistance, I did and it gave me like 3-4 month extension and some smaller payments they said I think was late payments or interest which I paid and my payments would go back to XXXX on XX/XX/XXXX. I paid XXXX, XXXX, XXXX, and XXXX now noticed my balance hasn't changed since XX/XX/XXXX at all. I have paid XXXX in payments and not XXXX dollar went to principal and I supposedly already paid all late fees. They said because I got a 4 month extension for covid which rolled payments to end, did not waive them that all of the XXXX went to interest only, I asked well when does my payments start to go to principal again and they tale me they can't tell me till I pay them and it starts going to principal. So far in this loan since XX/XX/XXXX - XX/XX/XXXX, I have Paid {$18000.00} in payments, all payments missed still rolled to end and not waived, but only {$3600.00} of this went to principal I no way see this being legal, agreed too or even ethical, please let me know if this is correct and I can sent contract and payments and dates all payments posted.
Complaint sub-issue: Public record

A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I spoke with Discover card customer service about fraudulent unauthorized charges on my account from XXXX XXXX  dating back to the last couple years. 

We opened an investigation on XX/XX/2018 and received a letter on XX/XX/2018 saying the investigation was completed and charges were being refunded back to my account. 

On XX/XX/2018 I requested a credit balance check sent to me for the credit on the account. 

Nothing was sent. 

On XX/XX/2018 I called customer service and once again requested the credit on my account be sent via check. The customer service dept promised it would be sent within 14 days. 

Today is XXXX XXXX and still have no received a check and the balance is still sitting there in my account. I just called customer service and they dont have a time frame until sercurity checks are over ... 

It has been 29 days since the investigation was completed in my favor and over 25 days since I requested a credit balance refund check that has not been completed.
Complaint sub-issue: Reporting company used your report improperly

Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Between XX/XX/XXXX and XX/XX/XXXX, a HARD inquiry made by CREDCO was added to my credit report. This is a bank and I did not authorize this! 

Please help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Complaint sub-issue: Debt is not yours

Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/2020 I agreed to have a third party to handle my Federal Student loans. Unknown to me they were not a legitimate or trusted company. The Company Student Apex told me that they will help consolidate my federal student loans, help lower my principle, and help me out of delinquency. I agreed to allow them to do this. 
On XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 {$190.00} was removed from my account under the assumption that Student Apex was transferring the funds to my Federal Student Loans. Upon returning to the States after the summer I began reviewing my Student loans and discovered that my loan were still in forbearance. I called my Loan Servicer to gather information and additionally discovered that they had not received and funds in the last 6 months for Student Apex. The total amount that was withdrawn from my account from this company totals {$1100.00}. 

Again, after making several attempts at contacting Student Apex via phone and email I called my bank and cancelled my card. Additionally I placed a fraud alert on my account starting XX/XX/2020
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX an account was opened for an debt that is and was owed by me in the amount of {$120.00}. This was sent to collections and appeared on my credit report as a derogatory mark. I have not received any documentation or correspondence regarding what this debt is in regards to nor how to resolve it ( pay it ). I have disputed this amount twice now, and still have yet to have it removed as of XXXX. I have received false debt collections on my credit report previously as well, so I suspect this may be due to fraud.
Complaint sub-issue: Information is missing that should be on the report

I been trying to get XXXX to update my address since 2020, Equifax has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my Equifax report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Complaint sub-issue: Didn't receive terms that were advertised

I personally, like to banking to KeyBank. But 2 or 3 years later on around 2016 they always close my account ( s ) without any reason to me. I have trying to apply a new checking account again and again, then the accounts were approved after that they closed on each every time were my account was approved. This is not an equal in the USA and not fair to me in the United States. I am not saying ; I have no bank to bank with, but just wondering why they doing this action to my? Plus, KeyBank is my local bank, but they are so racing to me. I am a human too. Thanks.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. Please see attached documents and ID as it contains my full complaint and requests
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

on XXXX XXXX2015 i was contacted by XXXX XXXX XXXX they try to get me to pay a collection of {$980.00}
Complaint sub-issue: Investigation took more than 30 days

XXXX  has collections that I disputed its been a significant amount of time exceeding 30 days that I have disputed these accounts I am asking for these accounts to be removed Confirmation # XXXX was submitted XXXX Confirmation # XXXX XXXX Confirmation # XXXX XXXX According to the fair credit reporting act a Bareau is required too complete there investigation within 30 days if they do not the negative item must get removed I am willing to take legal action if it is not removed
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, and # 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: Personal information incorrect

Equifax.

1. Wrong name on the report. Been trying to correct this same issue over many years.

2. Asked to REMOVE the fraud alert. Instead of removing it, their customer service ADDED it.
Complaint sub-issue: Debt is not mine

THIS DEBT IS FROM THE XXXX. ON THE DAY IN QUESTION I WENT IN, SOMEONE TOOK MY VITALS AND SENT ME TO WAITING AREA AFTER I PRESENT WITH SEVERE CHEST PAIN. AFTER A XXXX MINUTE WAIT IT WAS APPARENT THAT I WAS NOT GOING TO BE SEEN BEFORE DEATH. SO I LEFT AND WENT TO ANOTHER HOSPITAL WHERE I WAS TREATED XXXX. I NEVER SAW A DOCTOR I ONLY HAD MY BP, AND TEMP CHECKED - THIS CHARGE IS FRAUDULENT.
Complaint sub-issue: Information belongs to someone else

I'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.