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

Wrong Address, Fraud, Incorrectly Shows Account That's Not Mines. Fraudulent Address & Negative Account Information Still Appearing On Equifax Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) In Reference To Account Number Starting With XXXX Including The Unrecognized Phone Numbers Associated With The Negative Account After Contacting The Creditor Directly. My Correct Current Phone Numbers Are XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX, TN XXXX '' Is My Current Correct Home Address As It Reflects On My Government Issued ID, Identity Theft Report And Piece Of Mail For Identity And Address Verification I Uploaded As Well For Supporting Documentation. Based On The Facts, The Negative Account Is Fraudulent Prior To Unmatched Personal Information. The Following Emails XXXX '' And POSSIBLY " XXXX Was Also Compromised The Same Year The Fraudulent Activity Occurred. The Reason XXXX XXXX Was Still Receiving Complaints From That Email Through The CFPB Portal Is Because I Created An Online Account With Them That Same Year As Well. This Is A Huge Mistake Even Though XXXX BANK Claims That Fraudulent Activity Didn't Occur On Their End And I Can Also Say The Account Was Opened In My Name But The Charges Is Fraudulent But I'm The Wrong XXXX XXXX XXXX So It Isn't True And Accurate If I was Incarcerated That Year To. So I Couldn't Have Opened It. My Information Is Mixed Up With Someone Else 's And I'm Sorry About This Big Mess. Gladly To Say I Hired XXXX To Assist Me And The Account Will Be Challenged, Receiving Future Letters Asking To Provide Documentation Verifying That The Account Is Actually Mines So You Might Wan na Review Again Because After This Final Time, Dispute Resolution And Complaint. Im Seeking Legal Action Against XXXX BANK Headquarters.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I have contacted Lexis Nexis for a full file disclosure by phone, email, and by mail over 60 days ago. Lexis Nexis has not complied with my request, nor has Lexis Nexis complied with my request to place a security freeze on my Lexis Nexis Report, or opt out request.

Lexis Nexis is intentionally ignoring my request for which I'm entitled to a full file disclosure of information contained in Lexis Nexis database containing my information.
Complaint sub-issue: Was not notified of investigation status or results

This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.
Complaint sub-issue: Information belongs to someone else

In XXXX of XXXX, I made my first attempt by calling Equiant Financial Services. I spoke with a representative who initially told me that they do not have an account on file with the information that I gave to them. So then, I went further to inform the representative that I will be recording the call and then to confirm that that the there was a fraudulent erroneous account being reported on my credit report. The representative then place me hold several times until he came back to say, he found an account with my information along with someone else 's. I informed him that any account in my name that I was not aware of should be closed immediately. He refused to close the account. He stated that because it was joint he could not do anything. He then said that I should mail in proof if I chose to dispute the account. I placed a security alert on my Credit Reports since XXXX for 2 years and renewed it again this year. I tried mailing Equiant Financial Services a dispute letter to dispute the account and amount owed displaying on my credit report. The address that is showing on my report is invalid and non-existent. The letter was returned by the Post Office stating it is an invalid address and the back appeared to be opened and resealed. The address showing from my credit report for Equiant Financial Services is different from what XXXX is showing their address to be. Inaccurate information. My second attempt I wrote CFPB in XXXX XXXX and they wrote me back to submit my complaint online. I have since have no way of contacting this company by mail. This is against FCRA regulations. Any inaccurate and fraudulent accounts being reported on my credit report and that have been reported within 30 days and there has been no proof that this account belongs to me, the account should have been closed and removed from my report. Please follow-up for me and inform me of your findings.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through XXXX using my Citi Bank card in the Amount of {$750.00}. My trip was for XX/XX/XXXX-XX/XX/2020. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company Citi Bank and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for XXXX to respond. XXXX responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from Citi saying that my needed to reach out to XXXX because there is nothing they can do. I have since reached out to paypal who has sent be back to Citi to have them handle the claim and reach back out to them. I contacted Citi told them XXXX told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact XXXX. I have since reached out to XXXX who has now sent me back to Citi to have them help me because they are waiting on Citi to contact them with their decision that they XXXX will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!!
Complaint sub-issue: Information belongs to someone else

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies  on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies  to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Since 2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting XXXX  about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2020, I was charged {$780.00} by XXXX  XXXX XXXX on a Discover credit card. I never bought or ordered anything from this company. 
On XX/XX/2020, this amount was returned to my account. 
On XX/XX/2020, this amount was deducted again. 
On XX/XX/2020, the amount was returned. 
XXXX XX/XX/2020 amount deducted again. 
XX/XX/2020 amount returned XX/XX/2020 amount deducted again. 
Already in XX/XX/2020, I initiated a dispute against this transaction. On XX/XX/XXXX, the company sent me a decision that it was a no fraud and closed the dispute. The whole affair stretches to this day. 
The goods were ordered with my credit card but with my wife 's name. My wife also did not order or pay for any goods. The credit card was issued only for me. Only I use it this credit card. When I asked how it was possible that a transaction with my card number but a different name was allowed, it was not explained to me.
Complaint sub-issue: Company closed your account

XX/XX/2022 Citibank suddenly closed all 3 my citi credit cards.

All my cards are paid on time and meet the minimum requirements.

I communicated with their customer service. They said its their decision and refuse to give any details to me. Also all my reward
s balance are not available.
Complaint sub-issue: Their investigation did not fix an error on your report

US Bank is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need US Bank to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.
Complaint sub-issue: Received bad information about your loan

I am on an income-driven repayment plan. My payment should be {$0.00} due to low earnings. Many times, over the phone, I have been told that I need to make one final payment and then my payment is {$0.00}. 

On XX/XX/XXXX at XXXX I spoke with a Nelnet representative and was told one last payment and then my payment goes to {$0.00}. 
I got the same response when I called on -XX/XX/XXXX at XXXX - spoke to agent XXXX XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at  XXXX and XX/XX/XXXX at XXXX - spoke to XXXX ( who stated they have no ID number to distinguish themselves ) . 

Per conversation on XX/XX/XXXX, I was told to sign and upload a income driven repayment plan. I did. This person was a supervisor and said that I do not have to pay my payment of {$60.00} due on XX/XX/XXXX. Per the conversation with XXXX on XX/XX/XXXX, he contradicted this information. He in fact told me that the PDF that I sent of my income plan was blurry. Bologna. I looked at the PDF and the quality of it is outstanding. If the document is blurry, they need to change their toner. 

I have paid the amounts they asked me to pay but they keep saying I have to pay and then it goes to XXXX, pay and then it goes to XXXX. This establishes a pattern. By XXXX saying the copy they received of my income driven plan is blurry when it is clear, suggests benign dishonesty. Altogether, this shows the company is shifty-eyed, preying on the weakness of the individual against a politically powerful corporation that doesn't bat an eye when they squeeze and squeeze because they know they can get away with it. 

I want to hold them to their word. I do not have to pay this month 's payment because I have complied and they respond with a byzantine shrug.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the verification within 30 days. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Complaint sub-issue: Was not notified of investigation status or results

I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

I Sent in a Dispute Letter to Equifax. However, I still haven't received a Response from my Initial Dispute. 

They've Received my Response on " XX/XX/2021 '' I've sent in Notifications, that has been CERTIFIED and TRACKED. EQUIFAX has TAKEN WELL OVER THIRTY ( 30 ) DAYS TO INVESTIGATE MY DISPUTE. 

EQUIFAX ARE IN CLEAR VIOLATION HERE. 

Please have them REMOVE THESE ACCOUNTS NOW, As it's in CLEAR DIRECT VIOLATION OF MY CREDIT CONSUMER LAWS & RIGHTS. 

I WILL TAKE LEGAL ACTION ....
Complaint sub-issue: Account terms

To : CFPB XXXX XXXX Columbus, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX. Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

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

My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, Equifax and XXXX  previously sent to XXXX XXXX and XXXX XXXX XXXX yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.
Complaint sub-issue: Can't get other flexible options for repaying your loan

InXX/XX/XXXX and XX/XX/XXXX I took out two loans through Citi Bank as a student studying education. They were variable rate and the percentages were high ( one was 11.125 % ). The loans were given that to me as someone with an outstanding ~ {$30000.00} in pre-existing student loan debt, and no income. I had a creditworthy cosigner, but she, too, already shared that amount of debt with me and even more with my sister who borrowed for her loans in XX/XX/XXXX andXX/XX/XXXX. There was no reasonable way to prove that I would ever be able to afford such payments. The lending of that money was irresponsible at best, but criminal at worst. To avoid the ramifications of their sketchy student loan lending, Citi sold all of my loans to XXXX They will no longer take responsibility for the situation they allowed me to fall into.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account, has violated my rights.

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Attempted to collect wrong amount

contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, submitting this CFPB complaint to request to Equifax Credit Bureau to remove the negative marks from my Credit Report. Under the Fair Credit Reporting act, the Credit Bureaus are required to take a look and investigate the disputed accounts being reported on my Credit File. Also, Only Equifax is the one reporting this account as late and have already been updated and corrected from the other Credit Bureaus. Once again, I am requesting that Equifax Credit Bureau update the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, 2020 XXXX {$22000.00} ; and turn the account as positive.
Complaint sub-issue: Add-on products and services

From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.
Complaint sub-issue: Account information incorrect

The following inquiries are inaccurate, and they are adversely affecting my livelihood. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX  XXXX XXXX  XXXX XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are still reporting inaccurate items on my credit report
Complaint sub-issue: Problem using a debit or ATM card

I have had my account frozen twice in the last few months for funds being taken from my account that i did not approve. I just had {$800.00} taken out of my account from a XXXX Credit card that I do not have nor did I send a payment to. Now I don't have the money to pay my mortgage that is due today and they will not call me back to fix the issue and free up that money. There security is XXXX and I'm tired of struggling because they don't fix the issue timely nor do they have protections in place to prevent this from happening in the first place.
Complaint sub-issue: Account information incorrect

I got a notification on XX/XX/2022 that there was a new collection in my name. I looked on XXXX XXXX and it says On XX/XX/2022 an account was created for XXXX XXXX  and I owe {$740.00}. The creditor was USCB corp. I have never heard of XXXX XXXX and I am already enrolled in a different school so this was not me. I XXXX and everyone is saying the same thing happened to them.