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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Account information incorrect

I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies XXXX and Equifax refused to list the completely change the information accurately. XXXX and Equifax refused to correct what is on my report XXXX did so accurately after their investigation. As a result of Equifax specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my Equifax report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus XXXX and Equifax complied with the letter from XXXX Mortgage.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XXXX of 2020 I was XXXX  for 26 days. I hade XXXX XXXX XXXX XXXX XXXX XXXX within a matter of 2 weeks. I applied for XXXX and it was approved for XX/XX/XXXX of 2020. But for the 2 weeks of XXXX I was not covered. Now on my Credit Report, from Progressive Management System, there is a collection debt of {$310000.00}. There is also another collection for {$1600.00}. There is one from XXXX XXXX XXXX for {$810.00}. These are all on my credit report. I have tried to get help from XXXX XXXX XXXX applying for Retroactive assistance, but no answer yet. I have read about applying for 15 USC 1681 A3. Is this something that will help?
Complaint sub-issue: Other problem getting your report or credit score

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The Equifax credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points  difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed three disputes with Citibank on three credit card transactions after a foreign airline cancelled my flight but wouldn't refund all of my charges. Citibank said I lost the dispute because I didn't respond quickly enough to messages they placed in their online " dispute center ''. However, they never notified me that I had messages and need to go to their website to view them. Additionally, even after the merchant said they tried to refund me but that Citi rejected the refund Citi refused to help me. Citi tells me to go to the merchant, but the merchant says the problem is with Citi. Citi does not acknowledge receipt of emails, does not communicate when there are new messages and closes disputes in favor of the merchant without making any attempt to protect the customer.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information
Complaint sub-issue: Their investigation did not fix an error on your report

Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me, please block and remove per 15 USC 1681c-2.
Complaint sub-issue: Public record information inaccurate

" Adverse action letter ' dated XX/XX/XXXX @ XXXX Indicated " rental history ' was the reason for denial -- namely a tenant screening report that references a 'Dispossessory ' {$300.00} which was actually a 'Consent Agreement ' in my ( Defendant ) favor of {$300.00} which represented a a security deposit to be returned and court document noted : " Tenant has vacated the property. '' XXXX XXXX XXXX. See Consent Agreement Date d XXXX The other error indicated that I used an alias " XXXX XXXX XXXX '' which is false whereas another person resides at the address by that name.
Complaint sub-issue: Problem with balance transfer

On or around XX/XX/2020 I initiated a balance transfer from my XXXX Citibank credit card to my XXXX XXXX XXXX  credit card. On XX/XX/2020 XXXX XXXX showed the {$700.00} transfer. As of XX/XX/2020 XXXX Citibank still does not show the {$700.00} credit. I have attempted to contact Citibank but there customer service does not let you talk to a live person. I have sent 2 messages, no response. I sent XXXX XXXX a message, no response. I am continuing to accrue interest charges on the same money in two different banks. I don't see this clearing up anytime soon, that's why the complaint.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also according to XXXX XXXX and Privacy Rights Act ( FERPA ), it prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of the student, or, if the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C.S. XXXX ( b ) ).
Complaint sub-issue: Problem with customer service

The customer service I've experience by the Department of Education ( DOE ) or lack of receiving have been a complete horrendous nightmare. As a military veteran I've submitted numerous applications for XXXX XXXX due to XXXX XXXX fraudulent practices I have an application that I submitted on XX/XX/XXXX as of today XX/XX/XXXX I have yet received a response regarding the matter except that it's still in review. Given XX/XX/XXXX Media coverage by DOE regarding military veterans/students that attended and was scammed by XXXX XXXX XXXX that matter was discharged. I've also submitted PSLF application numerous times in which I qualify for that ( the latest submission XX/XX/XXXX ), as of XX/XX/XXXX I havent received any notification status on that as well. By being a military veteran and a current civil servant employee, this is beyond unprofessional to keep a matter lingering for this long especially when I hear " thank you for service '' when I called to inquiry about my applications at this point people only saying that to feel somewhat patriotic but to continue to string along a military veteran the organization isn't any better than the organization XXXX XXXX that defrauded them. That is a true sign of an organization character, is this how you thank a military veteran for their service? I have filed numerous complaints with the CFPB and my local representatives regrading this matter, even they have been told they must wait an additional 6mths to inquire about my application. Ive been constantly attempting to file a complaint via the OMBUDSMEN on the DOE site since XX/XX/XXXX, when I hit submit the submission page fails, Ive tried on different web browsers, the same thing, when I called in regarding my complaint I was told to keep trying its a glitch in their system. And still nothing resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/ I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed unauthorized access to my personal information, including Social Security number.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used wihtout his consent to apply for accounts and services. Applications for XXXX XXXX XXXX XX/XX/XXXX and CBNA/Best Buy XX/XX/XXXX were submitted using his information. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX  and XXXX. Official disputes were sent to both of these offices XX/XX/XXXX in an effort to remove these items from our client 's credit reports however as of this data neither organization has followed up with a reply ; this is a violation of the FCRA and my client 's consumer rights.
Complaint sub-issue: Investigation took more than 30 days

On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Complaint sub-issue: Indicated committed crime not paying

I was a XXXX, who was advertising on XXXX. XXXX. When 2008 hit I dropped my XXXX My XXXX ad continued. I was contacted by XXXX XXXX and was told i was advertising and it was against their law. I told them i would change the ad and did n't know that it was against the law. I have been doing work as a XXXX in the state for years. Then I was sent a bill for a XXXX by XXXX. I filed a complaint as I looked at it as a extortion. I was n't working on that side of the state at all. The XXXX covers XXXX and XXXX together. I have contacted the state reps and have tried to talked to the state XXXX without any help. Now the state turned it over for collections a tax lean. That should be against the law by itself. The collection outfit is Allianceone rec, mgmt XXXX XXXX XXXX XXXX. This is a out rage against someone who has worked payed taxes for years in XXXX state. Extortion is the only way the state can get the funds for being broke, even if it means going after people like me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name XXXX FOR XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Qualify for a better loan than offered

I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA 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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for XXXX XXXX.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX USPKI sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.
Complaint sub-issue: Information belongs to someone else

I am writing due to the Non-compliance of XXXX and Equifax credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from the Debt Relief Center, with a PO BOX address in XXXX, AZ. It says that I owe $ XXXX, and they are a collection agency on behalf of my creditors. They are offering a payment plan, and this is my second notice ( I dont think I received a first notice ). 
They ask me to call XXXX. 

I dont think I have any outstanding debts, my Credit Cards are managed, I have ID protections. Unless my info was sold on the the deep web, and used to create a parallel life, I believe this is a SCAM.
Complaint sub-issue: Account status incorrect

Great Lakes student loan company reported my account to the credit bureaus ( XXXX, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points.

Right not there are millions of others as well with the same issue with Great Lakes. This is unjustly, and has majorly affected my credit score because of their error.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX {$35000.00} were moved, without authorization, from my Citibank brokerage account to my Citibank checking account. Those funds were again moved, without authorization, back to the brokerage account that same day. Two weeks later, on XX/XX/XXXX, {$29000.00} were moved, again without authorization, from my brokerage to my checking account. I was subsequently " scammed '' into believing that that {$29000.00} was erroneously deposited into my checking account and that it should be returned. 

In mid XXXX my computer screen froze, with an on-screen flashing warning that the computer had been infected with a virus. A " XXXX '' phone number was provided XXXX XXXX XXXX XXXX. When called it was answered as " XXXX, technical support. My screen was cleared and I purchased/ downloaded antivirus software to ensure that future infections were prevented. After paying for and downloading the software, I realized that this might, in and of itself, be a scam. Using a different anti-virus software, I found that my computer had been infected. I had BestBuy wipe my computer clean and reload my software. 
XXXX, while working on-line on my checking account, I received a phone call from what I thought was a legitimate representative of XXXX. He was calling because " XXXX '' saw that I had deleted their software and that they were going to refund my money. While the " representative was " working on processing the refund, '' {$29000.00} appeared as a deposit in my checking account. The " representative '' claimed that he had made a drastic error and that I had to immediately return the {$29000.00}. I agreed to make the return but that I would spread it over three payments, so as not to go over the {$10000.00} threshold. He provided a wire transfer bank account and I wired {$9800.00}. 
Later that day I discovered the XX/XX/XXXX {$35000.00} transfers and that the {$29000.00} had been transferred from my brokerage account. I again called the ( XXXX XXXX XXXX phone number. The individual who answered told me to f*** off and hung up. When I called again there was no answer. 

I immediately reported all this to the Citibank Fraud Unit ( Case # XXXX ), the NY State Police ( XXXX # XXXX ), and the FBI Internet Crime Center website. 
On XX/XX/XXXX I was informed by the Citibank Fraud Unit, by telephone, that since the receiving bank ( in XXXX ) was not cooperating, my {$9800.00} was unrecoverable and that the case had been closed. My only recourse was to file an Affidavit of Unauthorized Online Wire Transfer, which I have done. I was advised that, since I had ( been scammed into ) authorized the Wire Transfer, my " appeal '' would most likely not be approved.
Complaint sub-issue: Other problem getting your report or credit score

EQUIFAX is the company. 

They have confused my identity information and blocked the credit profile with them and noted it as a fraud alert. I started XX/XX/XXXX calling, speaking to people, faxing, and mailing. When we spoke to Equifax on XX/XX/XXXX and they told me all we needed was to create a profile with them which I did with them. Then on XX/XX/XXXX when our mortgage company said the problem was not fixed I spoke to Equifax again and they told me to send a cover letter, copy of license, and copy of social security card. I first faxed them the required documents to verify my identity XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We mailed the paper work XX/XX/XXXX regular mail and sent it certified mail that arrived XX/XX/XXXX @ XXXX. Weve called countless times throughout this time to verify that they received it these documents and to find out when they would resolve it. Weve had their employees say that they were still waiting on the documents and others saying that they did not have them after they told us they did and after it was sent certified. Weve also tried speaking to supervisors but they also been just as unhelpful in resolving this frustrating issue as we need this removed to buy a home.
Complaint sub-issue: Was not notified of investigation status or results

This is regarding the complain that was filed in  XXXX . Complaint #  XXXX . All concerns was addressed  EXCEPT the Dept of Education com plaint. Account #  XXXX  which are  XXXX  accounts. Both showing delinquent with a balance. This account has been paid and never delinquent. The information was sent to Equifax in  XXXX . They never responded to this particular issue. A letter was sent to Equifax b y US Dept of Education a nd I sent the same letter. Also, a updated letter was sent to Equifax, stating this account was paid in full and never late in  XXXX .
Complaint sub-issue: Information belongs to someone else

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. US BANK XXXX Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Complaint sub-issue: Deposits and withdrawals

I set up an interbank transfer of XXXX from my Citi account to my XXXX account on XX/XX/2023 and successfully cancelled the transfer on XX/XX/2023. However, Citi has been holding up the funds as an ACH Debit Pending ever since. I called Citi and the representative was not sure when the funds will be added back to my account. 

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

This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}