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

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX  XXXX XXXXXXXX Late Payment from XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Complaint sub-issue: Didn't receive enough information to verify debt

I have repeatedly tried to settle this debt to have it deleted off of my reports with all three credit bureaus but enhanced recovery service refuses to do so. The debt is for {$78.00} and I am willing and able to pay {$50.00} immediately to have this debt settled and removed. Acceptance of this settlement will stop all further collection activity. Failure to respond I will assume that you do not agree on the settlement. 

Enhanced recovery service has failed to send me any validation of this debt to show proof that it is mine. Nor did they notify me before reporting this negative account to my reports.
Complaint sub-issue: Old information reappears or never goes away

I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account
Complaint sub-issue: Investigation took more than 30 days

In XXXX of 2019, I mailed Equifax disputing an inaccurate account on my credit report from XXXX XXXX XXXX Equifax opened the dispute on XX/XX/2019, according to their website. Since then, this account has stayed under dispute. It has not been corrected, updated, or deleted from my credit report in 162 days. Equifax was supposed to resolve this within 30 days, so this has taken 132 days more than is legally allowed and the issue has still not been resolved. 

I have sent Equifax additional disputes in the mail regarding this account after I did not get a response, and Equifax responded each time by saying the account was already being investigated. After that, I contacted Equifax by phone and was routed to their call center in which the representatives have a foreign accent and are not capable of understanding any issues outside their script. I explained to them exactly what was going on and they kept saying that it will remain under investigation and that nothing could be done. They either did not understand or they did not have any authority to correct the mistake.
Complaint sub-issue: Account information incorrect

Equifax, XXXX, and XXXX are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few accounts.
Complaint sub-issue: Account information incorrect

My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.
Complaint sub-issue: Problem while selling or giving up the vehicle

I HAVE CONTACTED US BANK NO LESS THAN 5 TIMES IN REFERENCE TO STATE TO STATE TRANSFER SO THAT I MAY REGISTER THE VEHICLE IN FLORIDA. THE STATE REQUIRED US BANK TO MAIL THE TITLE TO THE AGENCY LISTED ON FL FORM XXXX XXXX.WHICH I FAXED TO US BANK OF XXXXXXXX.18. I ALSO CALLED TO ENSURE IT WAS RECEIVED. INSTED US BANK SENT A LETTER TO THE TAG AGENCY WITHOUT THE TITLE STATING THAT I HAD PERMISSION TO TITLE AND REGISTER THE VEHICLE IN THE STATE OF FLORIDA. THE LETTER WAS NOT SIGNED AND STATED INCORRECTLY THAT I COULD TITLE THE VEHICLE WHEN NO TITLE WAS PROVIDED BY US BANK. THIS WAS MY 4TH TRIP TO THE TAG OFFICE WAITING HOURS EACH TIME TO BE TOLD NO CAN DO. I CALLED US BANK AGAIN TODAY AND ASKED FOR A MANAGER. I WAS TOLD ONE WOULD CALL ME BACK AND THAT NEVER HAPPENED!
Complaint sub-issue: Problem getting your free annual credit report

Followed the instructions on annualcreditreport.com to secure my credit report from the three credit bureaus. 

XXXX and XXXX worked fine. 

Equifax have me a generic error : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' It then requests an onerous amount of personal information to be mailed in. 

It looks like they are obstructing the goal of an easy way to monitor your credit, for free, annually.
Complaint sub-issue: Debt was result of identity theft

I am reporting a fraudulent account open in my behalf. Under the company XXXX the account was send to collections. Not only I never had any knowledge of this account but I see. The account for the first time in my credit report after it affected my credit tremendously. I made several attempts to dispute the issue. Explain to them that fraud was made using my information. They decline the dispute because they have documents that prove it wasnt fraud I would like to get a hold of those documents because one I never open a XXXX line I dont even own one myself. Someone open 2 different accounts under my name around the same time one for XXXX and XXXX for XXXX XXXX XXXX Wich they already handle that. But the XXXX account they refuse to close this fraudulent. I cant pay for something. I wasnt responsible for. Its unfair I have been laid off work since pandemic started let alone im gon na open a phone line. Absolutely not!!! This is effecting my credit line tremendously. I would like for a fair approach because I didnt open this I been a victim of fraud from 2 different companies just days apart. Please help me thank you so much
Complaint sub-issue: Personal information incorrect

I applied for a credit card through XXXX XXXX but was denied and received a letter from XXXX XXXX saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and XXXX, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from XXXX saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and XXXX XXXX  has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX Equifax XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.
Complaint sub-issue: Information belongs to someone else

As of XX/XX/2021 Equifax Credit Report is listing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX as one of my previous address, I have never lived at this address and because of it is causing me to get collections linked to that address. Equifax needs to get his stuff together and stop adding addresses to my personal information, this is the second time it happens and causing grievance for getting collections that don't belong to me.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  XXXX XXXX to prevent identity theft. 
Unlocked
Complaint sub-issue: Trouble with how payments are handled

We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

XX/XX/2022 - Discover Online Checking account opened by applying, Uploaded completed Requested ID Verifying Notarization. Specialist reviewed doc and successfully opened account. 
- Discover Bank inquired on my XXXX consumers report. Personal info & no prior client reports on record. 

XX/XX/2022 - Account was placed on hold & Funds Frozen. 
Phone rep requests a photo of my State Issued government ID card, SSC, Birth certificate, & IRS 1040 be uploaded via their sites secure Doc upload for ID Verification. 
* All were submitted Same Day. 

between the XXXX to the XXXX Ive been on 10 hour hold times unable to reach security specialist. 

XX/XX/2022 - Security Specialist phone rep was reached and she reviewed the uploads and determined my account successfully Verified. She then immediately removed hold and unfroze funds. 

- Only 10 minutes after that I was logged out of my online account and had a Hold/ Freeze placed again. I called back only to be informed my account was in the process of being closed due to being an At-Risk Customer per Company decision . 

After 4 days of complaints from myself Ive acceptance the fact that the banks policy states it may close an account for no reason needed. 

My issue/ Complaint is Why am I not allowed to retrieve my funds ( cash/ check ) at their singular available U.S Branch location per several reps. 
Instead must wait XXXX weeks to have it mailed to me. They state its their policy and it takes weeks to close it then months to send it. Ive informed them that I would like to close my account then immediately so I may get my money quicker, They state its not how it works.

WHY Was my account closed only after a specialist unfreezing it after reviewing requested documentation to only have it eventually frozen and in closing within 10 minutes. And why am I not able to go to the branch and pick up my money like any other bank why are they freezing my funds from me for an unreasonable amount of time and being very shady.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX : Account Number : XXXX  -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened :XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : JXX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened :XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   XXXX XXXX : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened :XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -OpenedXX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX   GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions
Complaint sub-issue: Delay in processing application

On XX/XX/XXXX I applied for a new XXXX XXXX BUSINESS visa card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis, XXXX, XXXX, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am the victim of a fraudster who billed my card for goods and then failed to deliver them. I reported the fraud to the credit card issuer, which made a conditional reversal on or about XX/XX/2020. The fraudster subsequently misrepresented to the credit card issuer that he had -- in fact -- delivered the goods. The credit card issuer reversed the conditional credit on XX/XX/2020 and closed the case. 

I called the credit card issuer on at least three occasions to inform them that the fraudster was also a liar, but was unable to get the credit card issuer to reverse the charge. The credit card issuer misrepresented to me that I would receive a letter in the mail. I never received such a letter. After considerable searching, I discovered a copy of the letter that was allegedly mailed to me on the credit card issuer 's website. I immediately completed the fraud affidavit on XX/XX/2020 and returned it to the credit card issuer. I also mailed a letter to the CEO of the credit card issuer 's parent informing him of the problem and cautioning him that I would file a complete with the CFPB unless the issue was resolved by XX/XX/XXXX. The issue wasn't resolved, and here is my complaint.
Complaint sub-issue: Debt was result of identity theft

I have received phone calls and payment offers from " Jefferson Capital Systems LLC. '' They have two reference numbers : # 1 is for - XXXX XXXX {$960.00} # 2 is for- XXXX XXXX {$96.00} I do not know what either account is for and I have disputed both of them via the XXXX XXXX site for that very reason. I have done this several times. When I have called JCS and inquired about XXXX they told me the phone number affiliated with it ended in XXXX. That has NEVER been my phone number, ever. I have asked for a statement or billing affiliated with this account from both XXXX and JCS and have not be provided one ever. 

As with the XXXX XXXX, I do not know what this account is and do not recall opening it. I have also asked for a detailed statement and I have not been provided one. When I call the number for XXXX  XXXX provided by Jefferson LLC, they tell me Jefferson LLC is handling it. When I speak to Jefferson LLC, they tell me XXXX XXXX is handling it. Eitherway, I have told both of them that this account is not mine and I want a statement. I have asked several times over the last several years and have yet to be provided anything. 

Recently, Ive received charge off options from Jefferson in XX/XX/2022 but these accounts are not mine so it doesn't feel right to pay them especially when money is tight. Finally, Ive called XXXX XXXX directly today to see what can be done and have been told to do this. I believe my identity has been stolen. The amount of XXXX and {$960.00} are just too close to be coincidence. Jefferson Capital told me it is a coincidence but I don't believe it. Also, I attended XXXX XXXX  XXXX XXXX, so when I saw Jefferson Capital Systems on my credit report I immediately thought it was a student loan. There are just way too many coincidences surrounding these debts. 

Both of these accounts have brought my credit score down significantly and has cost me a lot in finance charges for other accounts I've opened and not gotten better finance rates for. 

I would have been more aggressive with this but I pursue this when I have the funds to make a payment, and the time, as I have XXXX children and twin XXXX XXXX XXXX. I also thought for a while this was college debt due to the name of the collection agency. 

Please let me know what else you need.
Complaint sub-issue: Account status incorrect

I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.