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

There several inquiries on my credit report that shouldnt be there. On inquiries on XXXX, Credco- XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XX/XX/2021, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Credco 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: Credit inquiries on your report that you don't recognize

it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Complaint sub-issue: Information belongs to someone else

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.
Complaint sub-issue: Information belongs to someone else

XXXX reported to Credit Karma that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!
Complaint sub-issue: Account status incorrect

This account is with the Lending Club. I paid on it for three years no problems no lates, excellent history account was paid in full in XX/XX/2021 and they recently updated my credit report to show account is closed versus paid on full which has a negative impact to the credit score my score in fact went down versus app because the account is showing closed when it was in fact a healthy paid in full account and Im not getting the credit that I deserve in the reporting of such a great history!! I dont think that its fair that a company can show an account as closed when it has in fact been paid in fulland on time because that has a negative algorithm when the calculations of credit scores gets re-generated by the credit bureaus. I think that CFPB needs to step in and make sure that these companies are reporting the account status as paid in full and not closed because it is an installment account not revolving which impacts your score differently!!
Complaint sub-issue: Trouble with how payments are handled

Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.
Complaint sub-issue: Problem with personal statement of dispute

In XXXX, I applied for an LL Bean Mastercard. My identity was stolen shortly after I opened the account. During this time, I made a purchase in the amount of {$62.00}. I never received a bill for this purchase. I closed the account shortly after the fraud occurred. 

I did not hear anything from LL Bean Mastercard via phone, email, or mail about a balance due. I believe that LL Bean Mastercard may have had incorrect contact information for me due to the previous fraud that had occurred on the account ( where someone else changed my address, email, and phone number ). 

In XXXX, I received a letter from XXXX XXXX XXXX stating that I owed a balance of {$200.00} because of late fees incurred from non-payments on the LL Bean Mastercard. I disputed the fees, explaining that I had never received a bill, and agreed to pay a reduced fee. 

My credit report, however, shows that I made late payments on this account for 7 months and that my account was 90 days past due. I disputed this with XXXX, but they did not change the information on my credit report. 

I believe my credit report should NOT reflect late payments made on this account, because I could not have paid a bill I never received. I have a very good credit record and pay all my bills on time, so this information is misleading and erroneous, and is harmful to me. It has already caused my credit score to go down and I was denied a new credit card recently due to this erroneous information.
Complaint sub-issue: Didn't receive enough information to verify debt

The agent couldnt verify what she was calling about if I didnt give her my address.
Complaint sub-issue: Account opened as a result of fraud

For at least the 4TH TIME in the past several months, a FRAUDULENT UNAUTHORIZED ACCOUNT has been opened at Square Inc in the name of a member of my household, without our permission ( twice in my name, twice in my wife 's ). 

Square customer support has for the most part been unhelpful in resolving these issues. They ask us to login and close the account ourselves, which we can not do since we didn't open the account and do not have the login credentials. Or they tell us they will investigate, but they do not provide assurance that the accounts will be closed or follow-up to confirm whether or not that has happened. 

They are putting our identity at risk, repeatedly. A fraudster could currently be using one or more bank accounts in our names. 

We have asked them each time to close the fraudulent account, and we have also requested that they stop opening fraudulent accounts in our names. 

This past week, I received another ( THE XXXX ) Square business debit card, in my name and mailed to my address, for an account that I did not open. Each time this has happened, I have reached out to Square and also filed a new complaint with the CFPB in the hopes that they will finally put a stop to this.

Please help us get Square to close these accounts and assure us that they will stop opening these fraudulent accounts in the future.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus have failed to provide me copies of documents to serve as proof of verification to support their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX and Account 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: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Public record information inaccurate

I filed Bankruptcy ( Chapter XXXX in XXXX 2010 ). It was reported to my credit report on XXXX 2010 and listed as fully discharged on XXXX X/2010 and Equifax X/2010. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on Equifax, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Problem with personal statement of dispute

i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in Equifax and XXXX  responded and still did not remove the items however XXXX  did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed
Complaint sub-issue: Billing problem

Hello, I have two cars via Audi Financial Services. all was great untll COVID but currently they just stopped servicing customers and they do not pick the phone. 

All started when my car was robbed and the check book was stolen from my glove apartment. as per the US law I needed to close out my checking account and open a new one. Then I tried to change my autopayment settings in Audi FS application and it never worked correctly.

I changed it two times already - they nevertheless try to charge my old ( closed out ) account, bank returns them request back, they charge me " returned fee '' and I submit on line one time payment manually. 

guess what - they use old bank credentials anyway.. they just do not allow you to change the checking account. 

I tried to call them 4 times without exaggeration - they do not pick the phone. they say " we have unprecedented amount of calls ''. I sent them several messages via message center - they never responded to anything. 

last but not least - there is " payment history '' button on the website and it shows incorrect list. it shoes the requests, not the payments. in my case it shows 2 returned payments as " paid ''. it is a deception.

They keep me in the dark. AUDI FS is the fraud.
Complaint sub-issue: Reporting company used your report improperly

Hello, I have for the past six years taken my payroll checks that are drawn against US Bank to cash. I have always given my finger print and valid driver 's license with no problems cashing the checks. I work for a XXXX XXXX XXXX  and they Bank with US Bank. There has additionally always been a fee to cash the checks which I have not questioned paying. 

Recently I was asked to provide my social security number, phone number and asked what I do for a living. I asked why I had to provide these and was told by the bank manager that the Federal Government is now requiring this information in addition to the above listed requirements. I was also told that this information was being imputed into a data base. I was very uncomfortable giving out my social security number. And further more uncomfortable having to say it out loud with a line of people behind me. 

I have done some research by looking up the FDIC law and regulations under Part 1020-Rule for Banks. Everything I read within the Rules Section 1020-100 through 1020-500 indicates that the bank is to collect this additional information when a person is opening an account. It clearly states in section 1020.220 ( 2 ) i " An account does not include a product or service where a formal banking relationship is not established with a  person, such as check cashing, wire transfer, or sale of a check or money order. 

Additionally under section 1020.410 ( b ) 5 " Records to be made and retained by banks '' 1020.410 ( b ) 5 clearly states : The rules and regulations issued by the Internal Revenue Service under section 6109 of the Internal Revenue Code of 1954 shall determine what constitutes a taxpayer identification number and whose number shall be obtained in the case of an account maintained by one or more persons. ( Again a rule for account holders which I am not ) Furthermore 1020.410 ( c ) 3 states that a record of a persons tax payer identification ( social security number ) should be retained by the bank if " Each check, clean draft or money order drawn on the bank or issued and payable by it, EXCEPT those drawn for {$100.00} dollars or less OR those drawn on accounts which can be expected to have have drawn on them an average of at least 100 checks per month over the calendar year OR on each occasion on which such checks are issued and which are : 3 ( ii ) Payroll checks 3 ( vi ) checks drawn on government agency accounts.

My checks are exempt from being required to provide my social security number under these exceptions 1020.410 ( b ) 3 ( ii ) and 1020.410 ( b ) 3 ( vi ).

I believe that US Bank is misrepresenting and wrongfully enforcing the FDIC regulations by requiring a person to provide their social security number and career information. I was told that if I did not provide both of these in addition to my valid driver 's license and finger print they would refuse to cash my check.

Thank you for looking into this complaint. Any feedback would be  appreciated. 

The Bank manager 's name is XXXX XXXX. phone number : XXXX The Bank was the US Bank - XXXX Main Branch
Complaint sub-issue: Debt is not yours

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This debt is not mine and I should not be responsible for paying it.
Complaint sub-issue: Don't agree with fees charged

This is an on-going problem affecting thousands of students that are now XXXX. The XXXX offers grant money to students who want to be XXXX in XXXX, but the loan servicer responsible for managing this grant ( FedLoan Servicing ) is rampantly abusing this program and wrongly converting thousands of grants into loans for their own profit to benefit scholarships for students in Pennsylvania. They are converting 80 % of grants into unsubsidized loans, and they are doing this intentionally. There has even been a XXXX investigation about this. There have been several articles written about this situation, XXXX of which include information about my specific case : Article 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX A simple web search will also show you numerous XXXX / students complaining about being ripped off by this program with no relief. 

Facts in my case : 1. I perfectly fulfilled ALL the terms of my XXXX Grant, completing XXXX ( XXXX ) years in a qualifying subject area and a qualifying XXXX. 
2. FedLoan Servicing converted my XXXX Grant into a loan based on a mere technicality when they received my annual certification paperwork a couple of days late, despite the fact I had met all conditions required for this grant. 
3. FedLoan Servicing acknowledged in the XXXX Office investigation document XXXX XXXX pages XXXX ) that they did NOT provide the full 30 days required by law because they started the count from the time they dated the letter rather than from the time it was mailed or received by me. I received your letter two weeks after it was dated. 
4. They summarily denied my appeals in this matter with no explanation and would not tell me who conducted the reviews for these appeals or how they were conducted. 
5. In good faith, I repeatedly called and talked to a wide range of people and got nothing but the runaround and gruff treatment from their representatives. ( There are myriad stories posted online about people who experienced the same. ) After being assigned an ombudsman to help resolve this problem, the ombudsman did nothing to help and failed to return any of my phone calls. 
6. I believe they are deliberately converting XXXX Grants for profit and have no intention of honoring the spirit or intent of the XXXX Grant program. I believe they are committing fraud and theft under the thinnest veneer of legality. 

I have contacted my XXXX and a XXXX, and no one has been willing or able to help. There is something truly sinister happening with this. I am currently working to create a class action lawsuit about this. Please do n't dismiss this ... if the CPFB exists for any higher purpose, THIS is something you will find to be worth your time for investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681 I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Complaint sub-issue: Account information incorrect

To many hard inquiries on all three reporting agencies not authorized
Complaint sub-issue: Company closed your account

Tellar assulted me. Key bank keeps blocking my acct. I have been discriminated against and they have been investigating for over 6months now.
Complaint sub-issue: Their investigation did not fix an error on your report

There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.
Complaint sub-issue: Information is not mine

I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.