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

Im submitting a complaint to you today to inform you I was the 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/block any items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/2020, I apply for a mortgage, while in processing, I was told to call all three credit bureaus, to have them removed the dispute, while going through underwriting. I notified immediately, and was given confirmation numbers, but my lenders states it still showing. This process have been about a month, and the are refusing to remove the dispute, even after they stated that it would only take ( 72 ). But has not been done
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I called the Apt that I owe fee of XXXX I asked for an invoice for the charges and they did not have me on file any more due to computer change in XXXX I moved out on XXXX, they gave me the # Pro Collections XXXX XXXX acct # XXXX, I called and spoke with an agent and I asked if we can settle and she no that they do not settle and wanted me to pay in full and I had to pay within 7days and how was I going to pay and I said you are rude and I want to speak with a manager and she said they do not have one! I hung up and was upset
Complaint sub-issue: Transaction was not authorized

On XX/XX/22 My XXXX and my USBank Account was hacked. Sending a charge of XXXX Dollars to someone through XXXX, and a charge of XXXX through XXXX. I immediately changed my password on XXXX and called USBank to submit a claim as fraud. I didn't even have to lock my account because USBank flagged it immediately as fraud. I was informed it would take XXXX to 90 days for my dispute to be solved. When I called a week later to check up on the status of my claim, they informed me that they admit it was fraud but that my request was denied, and I would receive a letter in the mail if I disagreed. XXXX dollars is my livelihood and USBank has not worked with me at all in trying to investigate this very clear act of fraud that they ADMITTED TO. I have called USBank 8 times since this all started. I have gone inside 4 USBank to try to talk to a personal banker or someone who can do some further investigation. Even setting up another account to transfer my money to as been completely unprofessional. The response is always there is nothing that can be done ; they're not in charge of that department. On Tuesday XX/XX/XXXX I went into two more bank branches the same treatment of dismissing me with the words there's no number I can call, only an email. I've emailed the Fraud department about my concern, no reply. I have been a loyal customer of USBank for years and to be treated like that amount stolen from me doesn't matter is absolutely ridiculous. I have not been asked any questions to further the investigation, I have not been called or treated with any respect. To have to find out my request was denied while also admitting to fraud is completely illegal. I am going to go into a bank branch every single day until I get my money back. I will call and call until someone speaks to be about this issue and can explain how money I never authorized can not be returned to me. I called the very same day it was taken from me. I reached out to XXXX there's an investigation going on there as well. I have contacted XXXX 's chat agent twice on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the matter of disputing the XXXX sent over from my bank account over to another user. Whoever hacked my XXXX must have accidently sent the money to the wrong user because that user is my roommate. She forwarded the money back to me. XXXX claims to dispute that the money should have never been sent they need to contact the user but have not done so. I am a single woman trying to support myself and I can not have all of my savings I've worked hard for years to be taken in just one day, and to have these companies say they can do nothing about this issue.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Dear Consumer Financial Protection Bureau. I am filing a third complaint concerning the previous complaint below. 

Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing. 

Response : STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for your inquiry and for allowing us the opportunity to address your concerns. Unfortunately, we were unable to speak to you directly by phone or leave a voice message regarding the details of your complaint. Our records indicate you called on XX/XX/2022, to initiate a dispute claim for three transactions totaling {$150.00}. Our investigation began immediately after the transactions were reported. On XX/XX/2022, our investigation finalized determining that no error had occurred. Upon the receipt of your recent inquiry, your claim was reopened, and the merchants provided us with sufficient evidence deeming the transactions as valid and the investigation finalized. We mailed you the compelling evidence on XX/XX/2022. If you have any questions regarding the transactions, we advise you reach out directly to the merchant for further assistance. We apologize we have not been able to deliver the resolution desired. 

The merchant was contacted ; I had inquired on the investigation that was conducted. I was shared that all the information contained was that the transaction was disputed. In addition, the email provided " XXXX XXXX will work directly with them moving forward '' leads me to believe that there was nothing conducted between the bank and the merchant. I was directed back to the bank concerning this. Also, there is nothing from Wisely Pay upon inspection of the address listed on the account. Please review their most recent email. I am not being told the truth and am filing a third complaint. Concerning this, there will be attempts to contact Wisely Pay directly. In addition, another Wisely Pay card was ordered. Wisely Pay is experiencing technical difficulties.
Complaint sub-issue: Debt was result of identity theft

Please remove these inquiries I did not authorize them.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Complaint sub-issue: Don't agree with fees charged

In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

LexisNexis has yet to provide any proof of any claims valid or accurate as claim by LexisNexis. My next issue is they claim there a reporting agency in which factor. I have yet to see any proof of gather information as stated by LexisNexis. Its all words with no documents to back up as there claims. CFPB # XXXX I did not agree or sign or give LexisNexis permission to run or check my credit for nothing or any other claim by them. I need proof of my signature as stated by XX/XX/2018 claim not some XXXX reply that has no documents to prove as stated. I don't want to hear a bunch of lies and XXXX  by LexisNexis or some run on line show proof or I'm in the process of filing a law suit on LexisNexis.
Complaint sub-issue: Public record information inaccurate

I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
Complaint sub-issue: Company closed your account

On XXXX XXXX, a payment was paid and processed of {$39.00} on the same date the account was closed due with a balance for only the transaction I made the day before the closure. I contacted discover XXXX that morning no one I spoke with could tell me reason why but told me I could open a new account. Then I was told a supervisor would be calling back in XXXX hours. I never received a call, I was admitted into XXXX on XX/XX/2022 and ended up having XXXX finally receiving a letter of unsuccessful payment activity being reason for closure but I always make a payment after I spend. I was told my refund would be issued once transaction posted. After being in the hospital undergoing XXXX and recovering I reached back out to Discover on XX/XX/XXXX, I was told my refund would be issued in 2 billing cycles, I asked to speak with another supervisor representative said she would get me over to the correct department where he could connect me to a supervisor in the account department after XXXX minutes of waiting I was placed on the phone with a representative in the account department and there were no notes from a previous call or that I requested a supervisor. After asking him for his supervisor given the excuse no supervisor is available to take my call and would call me back in XXXX hours, the same thing I was told last time by a representative in the same level. This isnt right that I have been given the run around for the passed month about my money. Something needs to be done to stop them from doing this to customers.
Complaint sub-issue: Account status

The XXXX Card account on my credit reports XXXX Equifax, XXXX XXXX is being reported incorrectly. The account is closed and it appears to be open and active. 

Also, the creditor is reporting that the debt was charged off and if that is the case, the debt has been forgiven and the balance should show as {$0.00}. If XXXX Card is issuing a XXXX that means they are reporting that the debt is forgiven in exchange for a tax credit. Also, the late payments should not be reported as of the date the debt was charged off. 

Because XXXX is reporting that I have an active debt with an outstanding balance ( when the account is actually closed ) it is lowering my credit score. 

I disputed this issue with the all three credit bureaus and XXXX directly but the information on my credit report remains inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMERXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Validate/inaccurate reported late payments. instruction : Update to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX .... 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX : XXXX .... 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely
Complaint sub-issue: No notice of investigation status/result

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]
Complaint sub-issue: Other problem getting your report or credit score

I have had a problem with Equifax in the past where my credit report has split into two because the file is too large. I am very concerned that this has happened again because there are large chunks of information missing from my credit report. If the file is too large they can remove the duplicate accounts I have told them numerous times are duplicates. Also, I see that there is a block on my credit report so I can't receive promotional offers. I never authorized this and want it removed.
Complaint sub-issue: Deposits and withdrawals

I deposited a check using app and received notice that my funds would be available the next day so I schedule a payment for the next day. When I checked the status of my deposit the next day the check was hit with an 8 day additional hold. My scheduled payment went through and put my account in the negative. 
I reviewed my account on the latest scheduled day and without any explanation the money was still not available. The manager of the branch and the corporate help line have offered no explanation as to why my funds are still unavailable or when they will clear.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with equifax/XXXX  on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but Equifax still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that Equifax reached out to them and they told them my account is closed. It has been over 45 days and Equifax still has the open account on my record. The Equifax score is XXXX points lower than the XXXX score. Equifax is currently blocking me from locking in an interest rate. Equifax is unfairly keeping my score low when the other credit reporting agencies show a higher score. Equifax says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told Equifax my accounts were closed. Equifax has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX Car  Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to DMV New York.
Complaint sub-issue: Account status incorrect

I have sent a certified letter to I. C. Systems and XXXX asking for debt validation and letting XXXX know that they didnt do a status change its illegal for an account to say collection and have a past due balance. Attached in this file I will have the Certified letter I sent to I. C. Systems and the XXXX. I have not received a response back from I. C. systems regarding the account that is being reported on my credit report. Also I. C. Systems does not carry a license to operate In Ohio. I received a letter from XXXX saying that the account was verified but I was never sent any written documentation showing that account is mine. So how was it verified? Per the fair credit reporting act I have the right to dispute these items being inaccurate on my report in section 319. I also did not give my consent for this per Section 604 15 U.S.C 1681B, Section 605 A 15 U.S.C 1681 C-1 and Section 605 B 15 U.S. C 1681 C-2.