Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX  address. I use my XXXX  address with my credit card and checking account, also with XXXX XXXX. 

My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX  does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. 

I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. 

Thank you
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # s XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX  ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX  ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

Someone have stolen my debit card and made ATM transactions & merchant purchases. I explained to my bank that this never happened before and that I've never authorised anyone to make these transactions nor did I make these transactions myself. this is now my third time speaking with my bank and I haven't gain any real help. 

My bank denied me because " we don't have enough information '' " because you made a transaction on the same day your card was missing/stolen '' I don't understand none of these are good reasons and I responded that theft isn't planned. Plus I didn't make these transactions. 

( 6 transactions ) XX/XX/2022{$500.00} ATM XX/XX/2022 {$500.00} ATM XX/XX/2022 {$500.00} ATM, {$450.00} XXXX, {$290.00} XXXX, {$48.00} XXXX XXXX XXXX Total : {$2200.00}
Complaint sub-issue: Account status incorrect

Homebridge financial Services is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to XXXX that I have " XXXX late payments ''.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

( 1 ) XX/XX/XXXX Send a wire transfer to my bank in XXXX at {$1000.00}. It was successfully completed. 

( 2 ) XX/XX/XXXX Tried to make another wire request to my bank in XXXX again but this time the transaction was denied due to security reason. 

( 3 ) Call CITIBank to remove a security hold but only way to do so is send a letter requesting bank account closure with notary. 

( 4 ) XX/XX/XXXX Sent a letter by XXXX XXXX XXXX ( Tracking XXXX ) requesting both saving and checking account to be closed as instructed with notary by the embassy of United State in XXXX XXXX. 

( 5 ) XX/XX/XXXX XXXX Letter was received by the CITIBank XXXX 

( 6 ) XX/XX/XXXX through current : Call CITIBank numerous times to completed the closure process and requesting to release the fund as soon as possible due to my financial struggle caused by COVID19 outbreak. However, the CITIBank keep informing that they were unable to unlock my account due to security reason. 

( 7 ) Personal comment : 1. No explanation has been provided as to why CITIBank was unable to close my account although I have fulfilled my responsibility of sending legitimate notarized closure request per CITIBANK instruction. 

2. CITIBANK is abusing their power to restrict their client 's account for unreasonable and inappropriate reason. 

Here is my account information. 
Name of Account : XXXX XXXX XXXX of co-signer : XXXX XXXX Saving Account : XXXX Checking XXXX Date of XXXX
Complaint sub-issue: Account information incorrect

Hey I send letters to the Equifax and creditor they keep saying updated and I never ask for a update Im asking deletion because late payment and inaccurate reporting. They dont even have consistent reporting on my payment history.
Complaint sub-issue: Trouble with how payments are being handled

I am writing about FedLoan the Public Service Loan Forgiveness program management and my application for forgiveness. 

On XX/XX/XXXX FedLoan acknowledged that they received my most recent Employment Certification form, which includes proof of qualified employment since XXXX of XXXX. However, they did not update my account to reflect eligible payments between XXXX of XXXX and XXXX of XXXX ( there are 24 eligible payments missing : I'm at the same employer, making payments on the same plan, etc. ) On XX/XX/XXXX, FedLoan acknowledged that they received my PSLF application for forgiveness, which I submitted based on the belief that under TEPLSF I had made the 120 qualifying payments required. 

On XX/XX/XXXX, Fedloan rejected my application for PSLF/TEPSLF because I had not made enough qualifying payments. 

There are 21 payments " under manual review '' made between XXXX and XXXX. I was told that the data had to come from my previous loan servicer and they were still trying to connect with that company ( XXXX ). I obtained the relevant documentation from XXXX and submitted it to FedLoan.

FedLoan still has not updated my qualifying payment numbers in spite of the documentation I uploaded. 

Currently, their system shows that I've made 78 qualifying payments under TEPSLF. If they process and count the additional 45 eligible payments, my loans will qualify for forgiveness. I've called several times in the last four months and they acknowledge they've received my paperwork but always tell me they are processing it and I have to wait, without any information on when or how long it will take to process. 

I need a resolution, and my loans forgiven, before the moratorium on student loan payments ends in XXXX. 

Thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$2300.00} / XXXX/XXXX/2022
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

I have reached out to this company numerous times about my identity theft as a result an account was open with this company that I did not authorize or have any knowledge of until recently but I disputed this with the company directly and they haven't taken it completely off of my credit profile yet it needs to be removed immediately
Complaint sub-issue: Cashing a check

My son is XXXXyears old and was gifted {$600.00} via a US Bank Check from a US Bank Customer. I am not a US Bank customer nor is my son. We went to the local branch of US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX California ( XXXX ) XXXX. My son arrived with the check and his United States Issued Passport as Identification. The Bank refused to cash his US Bank check stating he was a minor. They told him he had to open an account with them to get his money. I went in to speak with them stating the scenario that it is a customer issued US Bank Check and my son has a valid US issued picture ID. They would not budge. I escalated to a manager and she would not budge. We had to depart without obtaining our funds.

I called the Corporate Customer Service line and was essentially told by the representative that it is at Manager 's discretion ; but he believes the manager handled it wrong and should have cashed the check because my son had a passport. 

Both branch employees were very rude and arrogant to my son and I did not care when I stated that I would file a complaint with the CFPB.
Complaint sub-issue: Account status incorrect

I am in the process of applying for a home loan and in the process I discovered that Macys reported a charge off/collections under my social and name to XXXX from XXXX. I previously had a Macys account and closed the account in XXXX but XXXX paid the account before closing it. I contacted Macys about the charge off to see what was going on and they informed me that they did not report a charge off and the only records in their system indicate that I fully paid off the balance and closed the account in XXXX. Since they could not seem to find anything, they referred me to Citi Bank who might have more information. Upon contacting Citi Bank, they shared the same information Macys shared. I had an account in XXXX with Macys and the account was fully paid off and closed in XXXX. I do not owe them a balance of {$1300.00} as the charge off amount indicates on any XXXX  Credit Report. Citi bank suggested a submit dispute as I do not owe them any money and they have no record of this charge off. I spoke to Citi Bank representative named XXXX.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Under the FCRA I, XXXX XXXX XXXX request that LexisNexis immediately notify XXXX  of the folllowing : That the bankruptcy Item XXXX  is deleted/suppressed from my file. And to provide me with a copy of said communication.

Under the FCRA, XXXX XXXX XXXX  has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Complaint sub-issue: Problem with fees

I have an ON-GOING, OPEN dispute against a Merchant ( XXXX XXXX XXXX XXXX ). I was told by my credit card company, that while the dispute is in 'Open '' status, there will NOT be any interest or late fees acrued, yet, every time, I get a bill, I see, Late fees and interest charges added to my bill. I have tried repeatedly to call them and explain the situation, but they refuse to listen and remove the fees/interest charges. I have excellent credit, and do NOT wish my credit ruined. Please call me at XXXX. I'm ready to cancel this card, but I do NOT want to pay these ridiculous late fees and interest charges. 

XXXX XXXX
Complaint sub-issue: Account status incorrect

I am uncertain as to WHY these late payments are present on XXXX XXXX I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Complaint sub-issue: Threatened or suggested your credit would be damaged

IC systems has been unlawfully flagging my credit multiple times within a month in order to decrease my score. They are consistently reporting a collection that is not valid and not mine on my report as new 3 plus times a month. I have requested they provide me with insurance claims made in reference to this, proof of identity and account history. They have continuously failed to do this. This constitues malicious debt collection and violates the FCRA. This is harassment and is subject to law suit.
Complaint sub-issue: Reporting company used your report improperly

Inaccurate information & unlawfully listed without consensus.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Kickoff says I owe them something and its supposed to be a credit builder instead my credit has dropped because of it
Complaint sub-issue: Account status incorrect

Greetings CFPB! 

I recently submitted two letters to *Equifax* Regarding Inaccurate information reporting on my credit report. XX/XX/XXXX & XX/XX/XXXX... It has *PASSED*the allotted time for response. As of XX/XX/2022. I have yet to receive a response. I have attached a copy of the letter/my identification and credit report document that shows the areas of inaccuracies.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time submitting a complain ... my XXXX XXXX XXXX   card are reporting that I Have a balance of XXXX which Ive used up my entire available credit and over ... This is inaccurate ... XXXX XXXX XXXX XXXX has admit this was a mistake ... they have also provided me with a letter stating so ... My credit score has dropped over 150 points over this issue ... please update my credit report to correct balance.
Complaint sub-issue: Account information incorrect

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. 

Account name : # XXXX, Account name : # 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 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: Debt is not yours

XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
Complaint sub-issue: Problem with fees

Hi, This is regarding my complaint against Citibank for their Costco Anywhere Visa card. I have not used this card for any transactions for since XXXX till date. Suddenly when I got my credit reviewed, I received information that there is a " Delinquency '' on my credit report. 

When I called up Citibank, I discovered that there was a transaction done in XX/XX/XXXX and they never sent me the card statement despite my informing them about my change of address. Thus, they have been adding late payment penalties and interest since that statement. 

I have called them 4-5 times, each time asking for details of the transaction and seeking card statements that can tell me if the change was legitimate or not. I have not received the requested card statement till date. 

When I called on XX/XX/XXXX they told me that the XXXX transaction was for renewal of Costco membership for {$120.00}. I acknowledged that it should be a genuine transaction and am willing to make payment for this amount if they can waive off all the late fee and interest charged to me. 

I don't think it is fair for them to charge the late fee and interest as a ) they never sent me the card statement thus caused the problem in the first place b ) despite multiple calls were not able to tell me the cause of the late payment penalties and c ) I am willing to pay off the legitimate amount I am seeking your help in resolving this matter as my credit score is negatively affected because of an act from Citibank caused by them and aggravated because of their deficiency in services where I am being unnecessarily being penalized.
Complaint sub-issue: Non-sufficient funds and associated fees

On XX/XX/XXXX I had called in to their Banking Voicemail Service on XXXX different times requesting to transfer money from my Money Marketing Account to my Checking Account to avoid any overdrafts. I did speak with a XXXX about the issue and she was able to make the Transfer on her end. However she appeared to not know what was going on in reference of the issue. However just out of curiosity I had called the Banking Voicemail again and they vindictively did the same thing by rudely hanging up on me. This comes from me reporting this Bank several times for their constant misconduct. Because on Tuesday XX/XX/XXXX my now deceased XXXX XXXX XXXX spoken to a Customer Service Representative by way of a recorded conversation by stating that she didnt want any of my siblings most definitely my sister XXXX XXXX XXXX XXXX to have any access to her Banking Accounts. Make that she also had a XXXX Benefit Account for me but only to find out a few weeks after her Funeral on XX/XX/XXXX they allowed my sister XXXX XXXX XXXX XXXX to commit fraud by cleaning out her accounts. Make note that prior to all of this my sisters power of attorney powers were stripped by the XXXX  Court here in XXXX Pa and plus the one she had was proven to be fraudulent. But yet PNC Bank covered up for her crime and then lied about the recorded conversation taking place on XX/XX/XXXX. Make note that the PNC Bank XXXX Department claimed that they were doing an internal investigation concerning this fraud and the constant lying from their employees way over XXXX  months ago and to this day theyve done absolutely nothing
Complaint sub-issue: Information is missing that should be on the report

I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.