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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Complaint sub-issue: Information belongs to someone else

Multiple fraudulent accounts have appeared on my XXXX XXXX and Equifax account. 

XXXX  XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/XXXX I financed a car thru XXXX XXXX in XXXX Ca. Financed the vehicle thru CIG FIANCIAL. I was told a {$2000.00} down payment was required, as per TILA a down payment is not required and this was not disclosed breaking the truth and lending act. We negotiated two payments of {$1000.00} to total the sum of {$2000.00} dollars for the down payment. The following days after Im getting harassed and the creditor ( albsou motors ) contacted my references discussing non public transactions and business matters without my consent violating 15 US Code 6802 - obligations with respect to disclosures of personal information. See attatch documents for evidence of clear violations including but not limited to verbally and falsely lying to third parties about tags and registration being at dealership to get in contact with consumer and non public transaction and business matters being discussed to third party entities.
Complaint sub-issue: Their investigation did not fix an error on your report

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, XXXX, equifax, and XXXX has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then Equifax, XXXX and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX, {$270.00} I stated to Rep that account does not belong to me and Rep agreed to remove false information.
Complaint sub-issue: Account information incorrect

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy. 

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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

An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.
Complaint sub-issue: Their investigation did not fix an error on your report

I have leased a   XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further. This is impacting my life. I have now had   XXXX   of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  ha s reported.
Complaint sub-issue: Trouble with how payments are being handled

Hello- I'm writing to express my sincere concern that the U.S. Department of Education contract with Nelnet , student loan servicing company. This company is bewideringly opaque around application of payments to interest vs principle across different subloans ( which one can not access except by special request -- and usually very long phone calls ). Astoundingly, the company do not post the current loan balances ( principles ) on their website, unlike other loan or mortgage company -- making trying to determine remaining principle time consuming and challenging. Similarly, trying to understand end dates for repayment is nigh impossible. 

I just spent XXXX hours on the phone trying to understand why none of my {$1300.00} per month payment was applied to principle for 15 months, whereas previously over the prior several years about half was applied to interest and half to principle. The first call started with being put on hold for XXXX minutes and ended with me being hung up on after I ( very politely ) tried to understand the confusing explanation ( I don't think she actually knew ). The second call lasted XXXX minutes with about half the time on hold before I was transferred to a manager who appeared to have a better understanding but was still not able to actually answer my question, rather repeating that it was due to the company 's automated algorithm that was designed to benefit the consumer. Unlikely. 

For a company of Netnet 's size, the only plausible explanation for their lack of transparency is financial incentive. Which, I don't need to point out, comes at the expense of the consumer. Luckily, I'm reasonably financially stable and can somewhat navigate the complexities of the Netnet ecosystem, so not extremely important personally. But, frankly, I'm appalled when I consider the large number of consumers that have more limited finances or have difficulty understanding the Netnet system. A quick scan of internet reaffirms the highly irregular nature of this company although, again, concerningly, the other government contracted student loan servicing companies have similarly poor reputations. 

Given student loans are an integral part of the education system in this country, the fact that our federal government contract and indirectly condone such egregious companies is breathtaking. A meaningful investigation into these practices is past due.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fee problem

Hello CFPB - I am having an issue with US Bank regarding my checking account I hope you can help me rectify. The issue I am having has to do with several overdraft fees of {$36.00} a piece which US Bank has charged me even though my account has seamlessly stayed in a positive standing. There is a total of 4 fees at {$36.00} a piece that I am concerned of and I contacted the bank manager of US Bank ( XXXX XXXX ) on XXXX XXXX in XXXX Arizona In regards to this matter on XX/XX/2020. I explained to him how my online banking shows proof of my account never falling into delinquent status and that I dont see how I should have been charged these fees. 3 of the fees in question were charged to my account on XX/XX/2020 because manager states the 3 charges prior to that made my account fall into a negative status. The 4th fee in question was charged on 5/6/2020 because the charge before that allegedly made my account fall Into negative status. I informed the manager that my online banking account does not indicate what he is saying is true. My online account shows my balance before and after the charges In question and that my account was always in good standing. XXXX asked me if I could screen shot my online banking account statement and email it to him and that is what I did. He looked at my checking account statement from my online banking I sent him and he told me that there were discrepancies from what my online banking account balances were showing and the balances that US Bank had on their end. I asked him how could that be possible? He told me he was not sure and he would look into the matter and get back to me the following day. The next day XX/XX/2020 around XXXX XXXX  I had not heard back from XXXX so I decided to give him a call. When he called me back shortly after that he aggressively told me that what my online account balance states is basically irrelevant and their statements Indicate I went overdrawn on my account and all the fees will stand. 

I really hope you can help me get through this situation with US Bank please. I feel like I am being take advantage of and i am a victim of fraud. I am happy to provide me online statements for you and anything else you might need so you can see what is being done. 
If what US Bank shows on their end indicates my account fell Into a negative status then this means that US Bank is showing me a faulty balance and keeping a different balance only they can see behind the scenes which would allow me to unknowingly fall into negative status while allowing me to think I am in a positive status. Either situation that is happening is fraudulent and they should not be able to manipulate money out of customers like this, especially In a stressful time which is what we are going through right now. 

Thank you for taking time to hear my problem and I hope to hear back from you soon. Please let me know any documents I can provide you. 

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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have no knowledge of this account ending in XXXX that shows up 5/6 times on my credit reports.
Complaint sub-issue: Banking errors

On and about the month in XXXX, 2018, I noticed there was an unauthorized withdrawal made of {$1500.00} dollars from my checking account. I immediately visited a branch of Citibank and froze this account to prevent additional fund withdrawal and transferred my remaining funds into a new account to protect against this happening again. Several weeks later an internal investigation was initiated by me because the question of why this happened in the first place was not answered regarding this unauthorized withdrawal in XX/XX/XXXX. Instead, they identified that the arm of their management investment Co. associated with Citibank had withdrawn the funds and that this investigation was closed, without an explanation of why years later, about 11 years later, they are withdrawing money from my checking account that had nothing to do with investments I had opened and closed years earlier around XX/XX/XXXX/XX/XX/XXXX during those year 's recession period. A new investigation with a new investigation reference number was opened about two months ago and to date I have not gotten my money back, nor a reasonable, legal explanation from their own management investment arm that I had opened and then closed around XX/XX/XXXX/XX/XX/XXXX because of the recession. I closed these accounts back then and I believe they were ROTH and a stocks investments amounts.
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belongs to me legally.
Complaint sub-issue: Company closed your account

I received a letter yesterday closing my CitiBank Credit card. I understand I have not used it for an extended time, but in addition to listing this as a reason, Citi advised that they ran a credit report and cited delinquencies, late payments etc ... 
I never authorized a credit report being run and they had not reason to do so as it was not a new credit request or a request for additional credit. The issues relating to my credit report are patently FALSE and they never provided me with a copy of the credit report nor the credit reporting agency used.
Complaint sub-issue: Information belongs to someone else

I have fraud inquiries on my report and a collection from a hospital
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a letter from XXXX XXXX stating that " Action needed to process your credit card account application # XXXX ''. 
I DID NOT apply for this credit card. I called XXXX XXXX at XXXX to tell them it wasn't me who applied for this cardt and they said I needed to call Equifax and file a complaint for Fraud right away. I logged into Equifax and found this Hard inquiry on my account See Below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I have no idea who this is or why there would be a Hard Inquiry on my account. Equifax told me that I can NOT remove it or Dispute it until I file here and send them a copy of the report from here. Equifaxe also told me to file a police report BUT ... .how do I file a police report when all I have is the info I saw on Equifaxand aa letter from XXXX XXXX saying that they can not process the credit card because they need more info from me. 

I am so confused and now worried that someone is applying for credit cards using my info. Can you help me? 

Sincerely, XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Complaint sub-issue: Account status incorrect

I was never late paying my accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I disputed the accounts with Equifax but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX XXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021
Complaint sub-issue: Account information incorrect

BY NATURE OF PREVIOUS CFPB REPORT XXXX, VW XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX L Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX put a collection on my credit report without giving me a right to dispute. I filed a complaint and they responded by stating they that sent communication regarding an alleged debt. I sent correspondence to them asking for a copy of the letter they sent giving me the right to dispute, as of today I have not received any communication regarding a right to dispute. They are also reporting on my credit report as an installment loan showing a high balance and a low balance and increasing my balance by {$1.00} once and week, then they increased it to {$3.00} within the last couple of days. Collection agencies are not supposed to act as if a person has an installment loan by having a high balance and a low balance, nor charge interest the way that they are which is ruining my credit.
Complaint sub-issue: Problem getting a working replacement card

On XX/XX/XXXX I issued a payment to Citibank for {$9000.00}. This was 1/2 of the balance owed on my Executive Mastercard. I then received a letter from Citicards that they would not be renewing my card after the XX/XX/XXXX expiration date. I have paid the card down in order to refinance my home, needing to open up my available credit and reduce my debt in general. I have never had a late payment with them and I feel this an outrageous breach of their duty to me and this action is an unfair and unbalanced reaction to the COVID 19 crisis and not to do with anything I have done as a cardholder. I have asked them to re-evaluate this decision as it impacts my whole family and our economic health going forward in a grave way and was told they would not until after it expires.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.