Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX, XXXX. The two accounts are regarding a Home Depot and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX, XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX, XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX, XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XXXX. 
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to XXXX XXXX XXXX regarding the XXXX XXXX and Home Depot accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX, XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several credit inquires i did not authorize creditors will not remove when asked
Complaint sub-issue: Account information incorrect

Because I submitted a complaint and keep requesting for XXXX XXXX & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet and still they still continue to report inaccurate information onto my credit file. XXXX WITH ACCOUNT # XXXX IN THE AMOUNT OF XXXX IS REPORTING ON MY CREDIT FILE. FIRST OFF this is not my account and Equifax continue to ignore my request and my proof that it's not mine to remove it. I am a victim of identity theft and they continue to report accounts that were open due to identity theft onto my file. XXXX XXXX in the amount of XXXX that is a medical bill is not mine as well as another XXXX XXXX in the amount of XXXX does not belong to me either. Im fed up with Equifax due to the fact that these companies can't verify the information with me so how in the heck are they verifying it with you. nI even have a letter from XXXX stating that they have been informed to remove this account from my credit file. Yet it still remains..
Complaint sub-issue: Information belongs to someone else

Sent a letter to the credit bureau about incorrect information on my credit report. They replied with a letter that claims an account is not reporting however, it is still on my credit file. They never replied with the request made in the letter.
Complaint sub-issue: Account information incorrect

Account shows as a charge off and not Paid in Full.
Complaint sub-issue: Debt is not yours

I received an email in regards to money owed ( {$65.00} ) to XXXX XXXX. Basically it shows I had ( have ) an account with them. I never had an account with XXXX XXXX. So, the mailing is false and dubious. I have attached a copy of the email they sent me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, XXXX XXXX XXXX laced my credit report with Lexis Nexis a false fraudulent entry. The cra fraud by Lexis Nexis & XXXX XXXX XXXX is a XX/XX/2019, my XXXX XXXX XXXX  claim against XXXX XXXX XXXX is on MY CREDIT REPORT and it does belong on my credit report. This XXXX ( XXXX XXXX was his insurance company ) XXXX XXXX XXXX  intentionally. 
Get this false entry off all my credit reports immediately FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've spoken to equifax about these unauthorized inquiries from XX/XX/XXXX, XXXX and XXXX of XXXX and also XX/XX/XXXX on my credit report 3 times, and they refuse to remove them. There is also a duplicate inquiry from XX/XX/XXXX that I tried to tell them about today, XX/XX/XXXX, and They are trying to tell me that they are factual based when I know that I'm not the one who authorized them. I reached out to each company as of XX/XX/XXXX and they asked me have I put in any applications online and advised them that I had not. They said they were checking their systems and neither of them had any record of why there would be any inquiry as i do not have any new or open accounts nor applications on file with them. They advised me to reach out to equifax because it could be a " promotional '' error and so I gave them a call and they refuse to assist me telling me there is nothing they can do. If this is not the case of an error then equifax is allowing fraudulent activities to occur on my credit file and improperly selling my information to people without my consent.
Complaint sub-issue: Account status

I filed a complaint with XXXX and received satisfactory results. However, Equifax and XXXX are reporting inaccurate information on the same XXXX XXXX credit card accounts. Should n't XXXX be reporting the same information to all credit agencies? If so required, then XXXX is in flagrant violation of relevant statutes and should be held accountable.
Complaint sub-issue: Transaction was not authorized

I collect unemployment from XXXX. From XX/XX/XXXX to XX/XX/XXXX my US Bank ReliaCard was compromised for over {$12000.00} I contacted the bank and they opened a fraud investigation in XX/XX/XXXX I didnt get a results back until XX/XX/XXXX and they said they denied it I re-opened it up and they denied it again on XX/XX/XXXX I submitted paperwork stating every transaction that was fraud from XXXX to XX/XX/XXXX that sent me a print out of all my transactions and asked me to outline them and explain which was for fraud and so I did they credited my card {$1400.00} from them from the charges from the month of XX/XX/XXXX you can look at my charges and its very clear that they are fraud its the same companies over and over again making multiple multiple transactions I called today XX/XX/XXXX and talk to the supervisor in the fraud department at XXXX ReliaCard and she informed me that they had found that my case was not fraud I would not lie about this I can go to federal prison I feel like Im being totally cheated out of money because they dont wan na pay me I dont know what to do I have followed all the proper steps Ive submitted all the proper paperwork and I also called 13 vendors that were on my print out which is not even a fourth of them and they told me they did not know why I was calling them because that was not my job but they did look and tell me that they had no paperwork from US Bank ReliaCard stating anything about me so how can I find that my case is fraud if they didnt even investigate it. This is been a year now been fighting this and I still get the same answer they dont see any fraud in it but they havent even investigated it is just called me financial burden XXXX  XXXX  and major XXXX  now if you can give me back {$1400.00} for the month of XXXX which is not all the charges obviously this is a fraud on my account I have called and reported every time I transactions with you that I did not authorize please help me I need my money this is absolutely ridiculous I dont wan na have to pay a federal lawyer I know one but he charges over {$500.00} an hour and I dont have the money to do it so please help me my name is XXXX XXXX my XXXX XXXX is XXXX or XXXX please help me I need your help the number to U.S. Bank ReliaCard XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about? 

I was sent a list of charges from enhanced recovery XX/XX/2020. 

Enhanced recovery is reporting late payments on this collection account which is not accurate reporting. 

I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020. 

Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft.

I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.
Complaint sub-issue: Information belongs to someone else

I have never apply for this companies, i believe that somebody stole my personal information and applied for this companies.
Complaint sub-issue: Public record information inaccurate

XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX  has acted with negligence. Please see attached documents.
Complaint sub-issue: Problem with customer service

On XX/XX/2022 I submitted a Public Student Loan Forgiveness waiver to Mohela who is the new loan servicer for federal loans. I have not heard back from Mohela about my PSLF waiver and it is now XX/XX/2022 the final deadline for the PSLF waiver.

I need to know the status of my PSLF waiver that I submitted on XX/XX/2022.
Complaint sub-issue: Information is not mine

XXXX billing account does not belong to me, account is in another state, Ohio.
Complaint sub-issue: Received bad information about your loan

Yes I have a problem and I contacted CONSUMERFINANCE.GOV I took out $ XXXX of school loans for a degree in which I cant even use. The loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 7 yearsand no one is helping me at AES. 
Its a Federal school loan.. 

I am in financial ruin. I get no where but threats from AES. Threats of increasing interest rates. 

I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; XXXX failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current. 
XXXX Increasing and decreasing interest rates without communicating with me or letting me know. 
* Outrageous interests rates and hiring predatory loan collectors.

XXXX Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 
* Not reporting money I paid. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest over 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.
Complaint sub-issue: Information belongs to someone else

On XX/XX/18 I obtained by Equifax credit report ( confirmation number XXXX ) and after reviewing it I noticed that I have 2 negative accounts that I do not recognize reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX a check went through for amt {$91.00} and cleared at that time. Since then I have been charged overdraft fees and other fees in conjunction with this check on the following dates. XX/XX/XXXX {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX $ XXXX {$30.00}, XXXX {$35.00}, XXXX {$70.00} and today XXXX {$30.00}. I spoke to the Branch Manager XXXX  with Bank of the West today and she stated I was charged these fee 's associated with the above check # because the retailer was trying to put through a {$30.00} retry fee ( which I was already charged on XXXX ) and I didn't have enough money in the account? Which is strange since I get direct deposit from Social Security Disability each month on the XXXX. Basically, Bank of the West is making a lot of money off people by continuing to charge accounts over and over again on a item that has already been presented and cleared! When I asked why then am I being charged their overdraft fee of {$35.00} on a check that went through she said because I didn't have money in the account so bank of the west charges {$35.00} a day until money is posted to the account. I wouldn't be overdrawn if they didn't keep charging overdraft fee 's on a check that went through a month ago!!! It will never end and I will never get my account caught up.
Complaint sub-issue: Billing problem

I have been making all payments to my loan. In fact I have been paying in excess of my monthly payment. The problem is that they are not applying the excess to my principal but rather they are using it as a pre-payment for the next month. 

I am tying to reduce the principal and payoff early. But they keep this from happening by using my excess payment to " pre-pay '' future payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Didn't receive terms that were advertised

This complaint is in regards to a XXXX thank you point offer that has not been paid out as promised and confirmed by CitiBank for opening a new checking account and satisfying all requirements. I received an email with the terms. I opened the account, met the requirements ( per a XX/XX/XXXX chat to confirm ) and was explicitly told to " expect for the ThankYou points no later than XX/XX/XXXX. '' Fast forward to XX/XX/XXXX and no points posted as promised. I again go to live chat and am told " it should have posted last XX/XX/XXXX. '' I'm given the following reference number ( reference number XXXX XXXX XXXX XXXX XXXX XXXX ) as they had to create a case to ensure I received the points. Told I would receive an email within 2 business days. Again, nothing happens. No communication, no bonus. 


On XX/XX/XXXX I was told that on XXXX I received an email about the bonus. I never did, neither in my inbox nor spam. I was told I would receive my bonus " on the next cycle. '' I push for a specific date by which I will have the bonus points. I'm told XX/XX/XXXX even though my next statement would cut on XX/XX/XXXX. The rep states they submitted notes on this. Also told within 2 business days Id be notified. Of course, nothing happens on either front. 


So fast forward to XXXX and now, after the next statement cycle came and went, Im told via chat messenger ( that I had to initiate ) that on XX/XX/XXXX I was credited the XXXX points! At this point Im just dumbfounded. 

Wanting further information I opted to wait until a weekday and on XX/XX/XXXX I contacted chat once more, and again this time I was credited with XXXX ThankYou points on XX/XX/XXXX for meeting the required terms and conditions of Promotion XXXX. Not only is this patently false, it goes against what other representatives have stated. 


Ive exhausted all reasonable expectations for remedying this issue and would greatly appreciate if you could step in and help facilitate this matter. I'll refrain from attaching any emailed promotional material because they aren't disputing that I met the requirements. The dispute is whether or not the points were issued.
Complaint sub-issue: Information belongs to someone else

I have spent the last several months trying to deal with a fraudulent account listed on my Equifax report and the lender is XXXX/XXXX XXXX. I have sent in multiple disputes with detailed documentation as supporting evidence that the account does not belong to me and Equifax has not removed the account and XXXX keeps verifying the account that I have no knowledge or consent of. If I have sent the required information to Equifax, they are required to remove it. It has severely hindered my financial outlook and all I am asking for is a removal. I have provided everything in the form of documentation and have patiently waited and nothing has changed because XXXX wont remove something that does not belong. I don't understand why I being dealt this situation when I have done nothing wrong. This account should not be associated under my name and social security number and I'm asking for XXXX remove this account and information from my name and social security number and for Equifax to remove the account from my credit report. This has been a prolonged process that shouldn't have taken place. I have spent countless hours and time trying to remedy the effects of this fraudulent account on my credit report and I just politely ask for a quick and seamless removal of the account from my name and social security number and for Equifax to do the right thing and remove the account from my credit report and send me finalized documentation of the removal.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I signed up for a credit karma account a couple months ago and I asked for their credit Karma spend account debit card to be sent to me in the mail. You can load funds onto the card and use it as a normal debit card. I am a recipient of unemployment and I asked for my unemployment benefits to be direct deposited into my spend account through credit Karma. There is a substantial amount of funds in the account however credit Karma has locked my account and not giving me any reason as to why they would do that or continuing contract with me. The stopped speaking with me after an hour of trying to resolve the issue.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. Please help me Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Complaint sub-issue: Investigation took more than 30 days

Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my DEPTEDXXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Complaint sub-issue: Didn't receive notice of right to dispute

I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put  in a request.