Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

Beginning onXX/XX/XXXXXXXX XXXX, 2017, I began to receive letters from KeyBank stating that five new accounts have been opened in my name. I am not a KeyBank customer and they have opened a line of credit for {$30000.00} in my name. They have opened savings and checking accounts in my name. They have opened credit cards in my name. These accounts for credit total over {$100000.00}. 

I have repeatedly called customer service and the fraud department. The first call on X/XX/17, XXXX told me it was a mistake and just ignore the letters. This was escalated to XXXX ( # XXXX ) who said she could do nothing or give me any information. This was escalated to XXXX who said five accounts had been opened in my name. She assured me the accounts would be closed. They have never been closed. 

I called again onXX/XX/XXXXand spoke with XXXX who refused to give me her ID number or contact information. She said I could not have the account numbers or when and how they were opened. This was escalated to XXXX XXXX who said she would not give me the account numbers, credit lines, or any information that is needed to file a case with the county sheriff. I repeated asked for this information and she declined each time. She specifically stated she would have an investigator contact me. She refused to tell me if the accounts were closed. She finally admitted these accounts were still open. I asked to have them closed. XXXX refused to do anything to close these accounts. Even after repeated phones calls, no investigator has ever contacted me. I asked to speak with the FDIC Compliance Officer. XXXX refused to do this. XXXX said she would have them call me. They have never called or followed up ;. 

After receiving another KeyBank credit card onXX/XX/XXXX, I called the fraud department again. XXXX refused to give me the account numbers and vital information to complete the FTC Theft Affidavit. She said no managers were available to speak to me. She finally put a supervisor on the phone, named XXXX XXXX. I explained I needed the information to file the police report and to give to the FBI since it is being forwarded to the IC3 division for investigation. XXXX refused to give any information and said the FBI would have to subpoena the records and that she would not give them to me. 

After speaking with the FBI later that day, they referred this to the Secret Service to investigate specifically in the areas of cyber, banking and finance. 

Previously, if identity theft has taken place, the people used different addresses. KeyBank opened all of these accounts with my address, phone numbers, and personal information. During my conversation with the FBI agent, the discussion included the fact that all these accounts were sent to my home address. That means there is a possibility that these account were opened internally by KeyBank and not by someone using identity theft, similar to what XXXX XXXX had done. 

XXXX has refused to give me any of the account numbers. So far there as at least six accounts opened in my name.
Complaint sub-issue: Account status

I disputed inaccurate information to equifax in regards to my payment history with an auto lease ( XXXX ) acct # XXXX. I have never paid this account late. I just received a response that the disputed is finished and the results are ready to view. This information is still wrong. It is showing as paid as agreed with no past due but have negative remarks reporting on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a status code of XXXX on each month. This is wrong as the status codes should be removed. I 've disputed it with the other XXXX credit reporting agency 's and so far XXXX credit reporting agency has corrected it and removed the status codes. I am submitting this complaint to the cfpb because I ca n't get through to equifax and keep receiving the same response. This information is incorrect and I am complaining about it because it is affecting my credit score in a negative way. These XXXX negative code remarks should be removed. I was never late in paying this account.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax stated they investigated the inquiries on my credit report. Stating " inquires are actual facts '', but never investigated the inquires at all.
Complaint sub-issue: Account information incorrect

I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/ 2021 and so far the credit bureaus have not given me an answer.
Complaint sub-issue: Information belongs to someone else

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

*XXXX XXXX XXXX  - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Complaint sub-issue: Indicated you were committing crime by not paying debt

Nelson & Kennard / XXXX  XXXX XXXX told me that if I did not pay them {$2500.00} they would proceed with prosecution against me. I am not an attorney, but I feel that this was a way to try to get me to pay by way of pressuring me like the mafia. When I spoke with Nelson & Kennard who is collecting on behalf of XXXX XXXX XXXX they also recorded my call without me giving them permission. They also did not update the credit bureaus to " Consumer Disputed '' I am a single mother and I want this harassment to stop as I have spent several countless hours trying to correct both companies mistakes in the matter. I have a XXXX XXXX and I am a XXXX XXXX XXXX citizen.
Complaint sub-issue: Account status incorrect

I had a credit card account with Elan Financial Services. I got behind on this account, and Elan closed the account in XX/XX/2017. I later paid off the balance in full. However, Elan has kept the phrase " {$1400.00} written off '' as part of the Current Status. This is very misleading since I paid it off years ago. I have disputed this with Elan multiple times, and they will not change it. From a credit reporting perspective, it essentially did me no good to pay off the account.
Complaint sub-issue: Old information reappears or never goes away

Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX   XXXX  showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
Complaint sub-issue: Other problem

My complaint is with Citibank , N.A . for not reimbursing me my credit card reward points as part of a 3rd party seller refund. 

In late XXXX ( this year ), I made a purchase - through XXXX - from a 3rd party seller that's based in XXXX. The purchase was made using my reward points from credit cards accts. ending XXXX and XXXX. To make the purchase I folded all the points into card ending XXXX - and closed XXXX. ( Kindly see below for explanation on why I folded in the points. ) The problem I'm having now with Citi : There was an issue with the product and the seller issued me a refund i/a/o {$620.00} in XX/XX/XXXX. However, when I look at what Citi put back on my points for card ending XXXX, it's only about $ XXXX. A Citi rep tells me this is because very little points were returned to the XXXX card by Citi, for the reason that the points had expired. I'm fine with cut-off dates by which a customer has to use certain points. But when a customer has made a purchase and a seller issues a refund and Citi doesn't want to honor that refund, that's now a catch-22 for a customer since refunds go back to the purchasing card. It can't be right for a seller to send Citi {$620.00} as a refund to a customer for Citi to turn around and only pass on $ XXXX to that customer. 

Why points for card XXXX and card XXXX were combined originally : My original and current card is XXXX. Citi sent me a promo in late XXXX to upgrade to their new Premier Card. When I did this with Citi, something went wrong, then I got all kinds of mixed and conflicting instructions from Citi that ultimately resulted in Citi issuing me two cards ( old and new ), which hurt credit score ( because it was supposed to be an upgrade/ replacement of the one card ). I've attached images to this complaint for your reference. XXXX The reason have images from back then is I thought I would file a complaint about the experience back then - I didn't because I just wasn't physically up to it at the time. ) Due to that frustrating experience and that I wasn't feeling well at the time to be able to stay on Citi about this, I just merged the points into XXXX and cancelled the Premier Card XXXX. The reason I'm relaying this is that, that experience made me lose confidence in when Citi tells me they'll look into something and get back to me. My credit score was hurt, my XXXX shopping ruined ; it was stressful and I was sick at the time so I just let it go. Now Citi is once again telling me they will look into this refund situation -- and I have very little faith that they'll honor my refund.
Complaint sub-issue: Didn't receive notice of right to dispute

I want to know if this is even legal?! How can they disclose information without knowing its a correct email?!
Complaint sub-issue: Lender trying to repossess or disable the vehicle

This is to reference State Farm Bank also EMLVP, LLC as the loan originator for my RV trailer. I had called in XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on terms to Voluntarily Surrender my trailer. I was mailed via USPS a form and I diligently faxed it back after I had spoken with a rep from State Farm Bank for over an hour and a half making sure I was clear on the terms I received a Fax successful so I knew that it had been received. 
I called today to check status as a rep never called within the 10 days the form and rep said would happen today after seeing a 90 day late payment status on my consumer credit report I called State Farm Bank and was told, The image was distorted so they couldnt accept it. I replied, No one could call or follow up on this matter? Rep did apologize as I am sure it wasnt his direct fault. 
I had assumed since I gave instructions initially on address phone and all pertinent contact info that the RV had been picked up since it wasnt being used and in possession of my ex husband in XXXX. ( I have since relocated to XXXX  ) and no longer communicate with him. I stopped making payments as directed. 
I am frustrated with the lack of communication and honestly believe it is an unfair and unethical business practice. 
I want the negative payment status on my credit report removed as it shouldnt be reflected this way. 
Also, I am contemplating if I should seek legal council on this matter.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I applied for unemployment and was denied so I appealed and won. I was getting back pay for a lot of unemployment. I received my unemployment benefits on XX/XX/2020 I still had not received my card. I ordered a new card to be expedited never received that card either. I waited a while cuz they kept telling me 7 to 10 business days ... Well someone received my card activated it set up an online account with it and began spending my money. I called reliacard and filed my claim. They denied my claim because who ever stole my card uses the same stores as me which isn't hard to believe we live in a very small town.. il
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX XXXX ran a fraudulent inquiry on my credit report. Over time I found out it wasnt even my application and they made an error and clicked my name on XXXX. I have tried countless times to resolve this matter with both XXXX   and XXXX. I have gotten letters from both sides that they have deleted the account but what both companies need to realize is that it is an inquiry that needs to be removed. XXXX MUST SENT AN DELETE INQUIRY LETTER TO XXXX  BECAUSE THE CREDIT BUREAU IS NOT UNDERSTANDING THE SITUATION AND HOW MUCH DANGER THEY HAVE PUT ME IN. XXXX is now merging my report with my father who I have a protective order against. 

THIS WHOLE MESS STARTED BECAUSE THESE XXXX COMPANIES ARE NOT UNDERSTANDING THE URGENCY OF THIS MATTER. I NOW HAVE TO RELOCATE BECAUSE OF THIS PROBLEM
Complaint sub-issue: Received bad information about your loan

The interest rate on my Nelnet-serviced loan recently increased by nearly 3/4 of a point. I received no notification of this change, and was directed to the servicer 's current rates page ( https : //www.nelnet.com/cXXXX  ). My loan rate on this page reflected a lower rate. 

I was then told to look into the rate with Congress as they set the rate. A website I was given indicated that changes in my rate should be discussed with the loan servicer due to the age of the loan ( https : //studentaid.ed.gov/sXXXX ). 

I was told that a mass email about the rate change was not sent to my account or email address, and that there was no way to have it re-sent. 

Several requests for third-party confirmation of the rate were denied. 

At every turn, Nelnet has engaged in practices designed to maximize interest payments, so my skepticism with this unproveable rate should not be cast aside. 

Nelnet should be required to notify customers when their rates are nearing a change, and provide third-party proof that the rates being charged are accurate as per decisions by Congress to increase them. Further, they should be required to maintain accurate information within their website with regard to the rates they are charging on billions of dollars worth of loans. 

These practices would not be acceptable in any industry outside of student loans, and should not be acceptable in these instances either.
Complaint sub-issue: Information belongs to someone else

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

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Equifax. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Equifax consumer file. All information in pursuant to the FCRA section 609 should be mailed to 12101 XXXX XXXX XXXX  XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX. 
Account Name XXXX  XXXX. 
Account Name XXXX XXXX . 
Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,
Complaint sub-issue: Unexpected increase in interest rate

Best Buy citi bank credit card is charging an unexpected high rate intrest charge for the month of XXXX. I've requested a signed contract with multiple attempts and they have failed to provide it.
Complaint sub-issue: Information belongs to someone else

I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX while attempting to qualify for a mortgage I was informed by the mortgage company that I did not have an active credit report with Equifax. I have been building a credit history for over 15 years. When calling Equifax they told me that I did not have any credit history with them and that if I did I would need to send them a copy of my credit report. This is obviously not possible. They then asked me to send them a copy of my drivers license and social security card to verify my identity, however, when given this exact information over the phone they were unable to find my report. I do not trust Equifax given their history with hard copies of my my personal documents.