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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : 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 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: Trouble using the card to spend money in a store or online

I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.
Complaint sub-issue: Information belongs to someone else

My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.
Complaint sub-issue: Debt was paid

this is weird. i had a loan with XXXX XXXX and i found out they sold it to plaza services LLC. however, XXXX XXXX XXXX XXXX XXXX informed me that they took over the loan. but w henever i call XXXX XXXX, they said it was plaza services LLC. So which is it? Plaza services will not answer the phone. XXXX XXXX XXXX XXXX XXXX on the other hand informed me they are the ones i need to pay. i feel like i am being lied to and scammed by someone. i would like for whoever is in charge of my debt now, to leave me alone and get this off of my credit report.
Complaint sub-issue: Debt was result of identity theft

Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.
Complaint sub-issue: Card opened as result of identity theft or fraud

5 months ago I realized I am being victim of Identity Theft caused by the Cyber hackers. I scrutinized all reports from CRAs and found out several fraudulent accounts were opened without my knowledge. One of them is XXXX/ XXXX account which was opened and being activated in period time XXXX-XXXX with current status Charge-off. Following the instructions of the solving process, I filed complains as victim of Identity Theft with FTC report, Police Report, Victim ' Complain and Affidavit with Police Sheriff Dept, FBI IC3 complain, as well as with all financial institutes that have bank cards involved. In dispute I declared the accounts resulted from Identity Theft and enclosed all documents as evidence. So far some fraudulent accounts are satisfactorily resolved and deleted from CRAs. However, I ve still been struggling with CBNA for back and forth disputing of an account without solution. They insisted the fraudulent account opened under my name and I am the one who is benefit from card services. CBNA never properly responded or showed me the legit investigate process to have their conclusion in correspondence though I requested CBNA validating all verifiable terms in dispute letters to prove whether the account is mine or to show how the cards was used. They only sent me the original application and 6 months bill statements. The application is showing a fake signature of applicant which is not even close or similar to mine. The statements showed the bills was being paid automatically by a bank that I never had or associated with. I think this is enough, In the past 5 months I sent out 5 dispute letter to CBNA fraud Dept and they ran 3 times re-investigation for the same conclusion : " I was the who benefit from card services '' without explaining how they did with investigation steps. I decided to go forward with CFPB complain and probably a lawsuit with General Attorney office for their lack of cooperation in this matter.
Complaint sub-issue: Threatened to take legal action

I received a letter from R. A. Rogers Inc. around XX/XX/2017 that a bill was owed in the amount of XXXX plus interest {$140.00} = {$1000.00}. There was no documentation or paperwork sent to indicate that a bill was owed to R.A. Rogers Inc until this collection notice around XX/XX/2017. The letter indicated that I had 30 days to either dispute or pay the bill. I am currently writing a letter to dispute the bill. This is the first collection notice of XXXX that was received from this company. Companies should have periodic updates to ensure accountability.
Complaint sub-issue: Account status

I settled my account with XXXX XXXX eight years ago and Equifax still reports my credit score with this account as a negative. Can this be reported? 
Many thanks, XXXX XXXX
Complaint sub-issue: Company closed your account

This is follow-up to complaint # XXXX. 

Thanks to Citi they sent me the bank statement for the last 6 months. The issue is that the bank statement only shows the total amount was put on hold and returned. It does not detail the amount of each transaction was returned and to who so I can followup and claim my money The bank didnt specify what transaction were returned to XXXX. Only {$11000.00} were deposit from XXXX But there should be XXXX left. I need detailed summary of all returned transactions
Complaint sub-issue: Can't temporarily postpone payments

I am really hurting financially and have XXXX XXXX XXXX XXXX XXXX XXXX. The doctors are researching other issues. I am unemployed and living with my parents who are on social security and in their XXXX 's with serious health problems. I filled out an application for the RP program and sent it with XXXX checks. They have not posted it yet and I am getting collection calls. XXXX from an agency that I have never heard of. The point is that XXXX of my loans is with the National Collegiate Trust. They buy and sell loans, I find this to be unethical. Well they can not give me my original promissory note due to my understanding they do not know who owns the note. My family can not continue to pay these loans. i am meeting with a XXXX attorney and eventually will not be able to work. AES has been terrible to work with and they will not let me talk to my loan servicer me who it is ; it has been changed to my understanding. National Collegiate Trust I believe owns part of it or should I say buys and sells loans. So that investors can make money of my back of struggling to survive. That is twisted and unethical. My parents are in their XXXX 's and XXXX as well ; we can barely survive right now. The future looks bleak with the imminent collapse of the stock market and economy.
Complaint sub-issue: Investigation took too long

Nothing has been updated and has taken more than 30 days
Complaint sub-issue: Don't agree with the fees charged

I graduated from college in 1993. I have consolidated these XXXX student loans beginning with XXXX XXXX. Since that time, there have been over five different companies that have taken over and restarted the principal interest, which made that {$10000.00} loan expand to what is now nearly {$16000.00}. I do not understand why after 25 years, borrowers are still expected to pay for the poor choices of companies passing this predatory activity from one to the next and the government allows this behavior. I am making monthly payments through American Education Services ( AES ) but again, that from was XXXX, and from XXXX, and from others passed through as though I've never paid anything, Can you please help to inquire and to speak for XXXX  loan borrowers who do not get any help with this?
Complaint sub-issue: Investigation took too long

I would like to file yet another grievance against Equifax for failing to remove  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX  from my reports. I have been repeatidily disputing that is showing false and outdated information on my credit profile. Equifax is absolutely harming my financial life and have refused to acknowledge that they continue to re-age an account that is supposed to have been removed from my credit profile 2 years ago. This account updates as current and even late though the account has been closed for over 7 years. I have not had a lease with this company and it shows that i have many many lates incurred even though this car was returned o ver seven year s ago. As a matter of fact up until a few weeks ago it was  STILL re porting as an active account.     This account is incorrect and false information is being displayed to creditors and this is damaging my career.     I have proof that neither  XXXX  nor   XXXX   were able to get a hole of this company. ALSO I have filed many CFPB complaints against  XXXX   XXXX  and I have even called the numbers provided and i have received NO RESPONSE. My concern is what type of scam Equifax is running on people who dispute items because  HOW ar e they verifying this? it is false and impossible to confirm. They have had " IN PROGRESS '' next to my dispute since  XXXX   XXXX ,  XXXX !  Enough is  enough. this is not an accurate tradeline, it contains wrong information and it is displayed with negative remarks. I have lost credit over this and I am absolutely on the verge of suing them and    XXXX   XXXX   . The addresses are wrong the numbers are wrong ...
Complaint sub-issue: Information belongs to someone else

These account are fraudulent inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CBNA XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Elanco Finl svc Was paid and I have been charge twice for the same bill by this company
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I have several inquiries that I did not authorize, I have no account with these companies and when I reached out the companies couldnt give me any info in regards to the matter.I contacted equifax to let them know about these Unauthorized inquiries and they will not remove them here is the list of inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I took out a loan through XXXX  XXXX, they have AES servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Deposits and withdrawals

Hello my name MrXXXX XXXX XXXX, im reaching out because I'm having issues with my Bank Institution Citibank, Especially with there customer services over the phone I'm requesting for them to remove the block they have on both of my checking accounts a There no help over the phone nor online including the branch. I'm XXXX XXXX veteran, due to my health condition I cant travel to the nearest bank. 
Checking acct ending XXXX {$19.00} Checking accounts ending XXXX {$7000.00}
Complaint sub-issue: Banking errors

My wife and I do all of our banking through Commerce Bank and have for 20+ years. We have multiple accounts held with Commerce, including a savings account that was setup many years ago for one of our children. Given that my child is a minor, my wife was/is setup as the custodial on his account. We placed roughly {$1000.00} in the account many years ago and have left it alone as a savings account for our child.

We receive the monthly statements on the account. After reviewing the most recent statement, we discovered that the entire balance was unknowingly transferred to the state of Missouri. We received no correspondence whatsoever before this action was taken ( no email, letters, or phone calls ). Commerce Bank simply decided that because there hadn't been any activity on the account for some time that they would just send all funds to the state without providing us any notice. 

I'm very upset about this. Our address was correct on the account and we have been long-time loyal customers of Commerce. Further, all of our other accounts were actively being used, so Commerce had all of our current contact info on file. Finally, at no time were we contacted before this ridiculous action was taken.

When I called, I was told " sorry, that's just the normal process when an account goes dormant and we can not locate you ''. Yet, Commerce was not able or willing to provide a copy of any of the correspondence that they supposedly sent to us regarding the dormant account. 

As a result, I now have to go through the state of Missouri 's process to get my own money back, likely incurring fees. 

I think it's only fair that the money that was sent to the state be placed back into my account and that I be compensated for my time and hassle of what appears to be a very poor practice by a well respected community bank.
Complaint sub-issue: Reinserted previously deleted info

Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX XXXX to remove the hard inquiry listed on my credit report. The letter stated I should be compensated for the hard inquiry because they where not able to verify it was me. I called the call center and spoke with a gentleman. He STATED THAT there where several people in their system listed in my name. I asked that they should remove my name and the hard inquiry. He transferred me to the fraud department who stated they would investigate. I keep getting calls from XXXX XXXX. They are asking me to call them from my XXXX cellphone that I do not have. Will someone please assist me with this because I have already requested that they remove the hard inquiry if someone took out a cellphone and has service than XXXX XXXX should call the police department and threaten to deport them to wakanda and not me. I should not be XXXX to XXXX because someone has a cellphone with my social and my name. Please Assist Me. Does XXXX XXXX not screen any incoming phone calls or do they just allow anyone to verbally register a phone is someone elses name. This is a white collar crime. This is identity theft. Please allow me to review all records XXXX XXXX has in my name. I have never requested service with XXXX XXXX. Not know or ever in the past or present or in the future because of this crime.
Complaint sub-issue: Debt was discharged in bankruptcy

West Asset Management continues to call both me and my wife regarding a hospital bill from XXXX of 2013. This debt was included in a Chapter XXXX Bankruptcy and they were notified of the filing XX/XX/XXXX. They did NOT appear at the XXXX hearing on XXXX XXXX, and yet are still calling both of us as of XX/XX/XXXX. They have called my wife both at work and on her cell phone. We do not answer the calls, but have traced the number to them.
Complaint sub-issue: Investigation took more than 30 days

This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$32000.00} Account Type : XXXX XXXX XXXXXXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX : {$0.00} Account Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX