Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.
Complaint sub-issue: Account information incorrect

Fay Servicing  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .   XXXX   had  1st  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in   XXXX    2014 t he property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien/DT was wiped out at  XXXX  foreclosure.  XXXX  sold the loan to  Faye Financial  as a mortgage. We do not owe them anything. A simple title search by Faye would reveal this. I have made ov er seven differ ent phone calls to  Faye Servicing  over the la st  two  m onths and they refuse to discuss it with me and the  manager has refused to return my call. Faye has no lien. They NEED to do their own title search & tha t alone will show them that the loan they purchased was wiped out by  XXXX  foreclosure  X/XX/  2014 d ue to it being in a  Jr. lien  position. I do not own the property nor is this loan a mortgage.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a call from Jefferson Capital Systems, the agent asked me to verify my name. I told her if the call was an attempt to collect a debt to please communicate with me thru mail only. She hung up on me. I never received mail from this company and now the account is on my credit reports. 

The account is listed as a collections debt with original creditor XXXX   XXXX  and I feel I was not given the opportunity verify the account as mines and I am not aware of the original creditor. This is why I asked the collection agency to contact me via mailbso I would have the information I needed to assure this debt is indeed mine. 


The balance is showing at {$350.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed medical debts posted on my credit report from AR Resources. I submitted disputes to the CRAs for valid documentation to be provided to me in writing or to be removed from my credit report on XXXX, XXXX, XXXX of this year. 

No Documentation has been provided to me in writing proving the debts are mine and that the debts are valid. I dont even know what the debts were for. I responded to AR resources contesting the the validity of the debt and have received nothing in return. AR resources is also posting the same debt on my credit report twice in the amount of XXXX. Which is showing as additional collection account. This is an improper practice. I asked the CFPB once before to have debts removed and AR Resources agreed to remove. The debts have not been removed.
Complaint sub-issue: Didn't receive terms that were advertised

I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer.
BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX  : XXXX Dept of Education : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Inquiries : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY. 
Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.
Complaint sub-issue: Deposits and withdrawals

{$660.00} dollars inserted into atm to deposit Atm said it had a technical error and was unable to return my deposit I have receipt to prove atm error amd amount taken Keybank will not return my money or issue provisional credit XX/XX/21 at XXXX, XXXX XXXX XXXX XXXX, XXXX colorado Spoke to customer service XXXX, spoke to XXXX  named XXXX, spoke to XXXX, someone from the branch called be but all I am getting is sorry but no solution other than waiting XXXX weeks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX have 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 an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

Currently report me with negatively on my credit reports XXXX XXXX,2016 after I had to move out of my apartment due to an XXXX  husband. My husband was XXXX  me and he refuse to leave.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested the original contract from Equifax, XXXX, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, Equifax XXXX and XXXX are all miss informing creditors of my information, and in violation of federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.
Complaint sub-issue: Deposits and withdrawals

Because I am a Citibank credit card customer, they solicited me to open a savings account. I opened this account on-line in XX/XX/2021. On XX/XX/2021, I responded to a request for information via fax. I deposited additional funds to the account several times over the last year until this month. At no time did I get ANY notification of any issues with the account - not any alerts, no letters, nothing on monthly statements. When I attempted to withdraw some money 3 weeks ago ( via an on-line transfer ) it was blocked. I have now called " customer service '' over 15 times and talked to over 50 individuals, many of the calls unintelligible. I discovered after the XXXX or XXXX call that Citibank put a hold on my account to prevent me from withdrawing ANY money in any way. I have now faxed documents 3 times and mailed documentation to an address I was given after my 7th call ( with delivery confirmation ). Initially I was told that " their system was down '' and they couldn't confirm document receipt. Now I am being told that my documents have been " rejected ''. Every time I get a different answer concerning who to talk to, what to submit and what will be sufficient to address this " hold ''. This has gone on for 4 weeks. MY MONEY IS BEING HELD HOSTAGE.
Complaint sub-issue: Fee problem

The bank paid a check that was sent to another company however two days later they reversed the charge the company never received the payment I was charged an insufficient funds fees despite my direct deposit being in the account
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, 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 and updated quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Requested to have comments/ remarks removed from credit profile for purchasing of home received notification that request was completed but wasn't actually done. Had to call back and request same thing again and requested that it be escalated was told by previous rep that there was no one I can escalate my issue to and disconnected on.
Complaint sub-issue: Reporting company used your report improperly

I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block and remove any inquiries derived from identity theft. Block and remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to resolve this unverified bankruptcy entry with XXXX, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from XXXX. 
XXXX  has made claims several claims that this information has been verified by its 3rd party vendor LexisNexis, with no other details provided to me. With that response from XXXX, I contacted LexisNexis and asked them to verify this information, by obtaining the records this vendor had. LexisNexis could not show or prove that XXXX  had contacted them or verified this bankruptcy as XXXX  has claimed. Bankruptcy information was never found in my consumer disclosure report that LexisNexis maintains. 

LexisNexis conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to LexisNexis stating a removal of the bankruptcy, XXXX  did not respond to me nor LexisNexis. 

Despite this information FROM LexisNexis and additional information provided to XXXX  by their third-party vendor, the unverifiable information remained. 

XXXX, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one. 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), XXXX   was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

According to XXXX  " verified '' means that the company, ( in this case vendor ) that reports the information to XXXX  has certified it reported accurately. However, this is not the case, LexisNexis DID not verify to XXXX that this information was verified. 

A letter was sent to XXXX  on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since XXXX  verified with LexisNexis . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also XXXX sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did XXXX  instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Re : Equifax In XX/XX/XXXX, I filed a Dispute with Equifax ( online ) through myEquifax account for a collection item placed from Debt Collector, XXXX XXXX XXXX ( herein referred to as XXXX ( see CFPB Complaint No : XXXX ). 

Original Debt of this case with XXXX XXXX was dismissed in XXXX XXXX XXXX XXXX on XX/XX/XXXX. Then, XXXX XXXX sold the Debt fraudulently to XXXX. On XX/XX/XXXX, I logged into myEquifax account to update my dispute by attaching the Notice of Dismissal. I notice right away there were several items wrong. I am a homeowner yet, my credit report summary reflects I have no Mortgage. In reviewing the tab collections XXXX does not show therefore, I can not dispute, update my dispute nor, submit my evidence. I went to the feature Disputes and nothing is showing? I called Equifax. I was connected to an Agent that could barely speak english. I tried to explain all that I had found wrong but, she was not understanding me, instead, kept repeating the same information that did not pertain to the issue of : Equifax online for my account is wrong, contains errors that is hurting my credit and I would like to speak with a Supervisor. The Agent kept arguing with me. Telling me I can just mail in the documents. I advised that I was not going to just mail in legal documents and, give her a statement while she enters my statement over the phone. It took five times of me asking for a supervisor before the Agent said Ill see if we have one, but I dont know Two hours and thirteen minutes later since I placed my call, I was speaking with a Supervisor. Another Agent that barely spoke english. I explained three times what the problems were but she was not comprehending the issue of : If Equifaxs online system is not properly working, I am unable to rightfully file a Dispute to fix my credit. Equifax has hendered me in my endeavor to fix my credit because I filed a dispute yet, they have no record of it. Equifax has failed in their duty to serve consumers in the capacity under the law in which credit practices state and that she was to delete my Account and all my personal information immediately and I would be filing a complaint against Equifax. 
Her response was, okay. She deleted my account and sent me a confirmation
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 : XXXX XXXX, XXXX  XXXX, 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
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for it.
Complaint sub-issue: Other problem getting your report or credit score

XXXX 2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.
Complaint sub-issue: Information belongs to someone else

The information on my report is incorrect for the my report. 
I was given information from all 3 credit bureau stating that you do not report bankruptcy to credit bereaus. These agencies are XXXX, XXXX and XXXX. I was told that you dont report to reporting agencies. I am unsure if you are the company that is reporting on my credit report. I need this deleted immediately for being reported on my credit report. Can you please reach out to me via email or by letter on this matter. 



XXXX XXXX XXXX -delete immediately Reference # XXXX XXXX information for address on XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.
Complaint sub-issue: Banking errors

Based on a XXXX  promotion, the company offered {$100.00} off my next purchase of {$100.00} or more, but did not honor this promise after I made a qualifying transaction.
Complaint sub-issue: Application denied

I applied for the card, sent all required documentation while on the phone with the processing department, while they confirmed they had everything. I was approved card was mailed to be. But once I started to use it the company approved my transactions at the time of purchase but then declined them. After weeks went by they told me I was declined because they couldnt verify my identity. Mind you I have had a personal loan with this company for one year. I asked how can you not verify my identity you have everything, credit report, driver license, tax form, social security card and a selfie. They told me thats all they can tell me. How is this far to consumers?
Complaint sub-issue: Investigation took more than 30 days

Multiple attempts to request action to prove and or remove delinquency to no avail
Complaint sub-issue: Information belongs to someone else

I DO NOT OWE ANYTHING. THIS IS A FRAUD ACCOUNT. IT IS A DIRECT VIOLATION OF MY CREDIT RIGHTS. 15 USC 1692C. ( C ) VIOLATION, 15 USC 1681A ( 4 ) VIOLATION, 15 USC 1692 C ( 3 ) VIOLATION, 15 USC 1692 B ( 5 ) VIOLATION, 15 USC 1692 F ( 8 ) VIOLATION. BOTH OF THESE FRAUD COLLECTIONS ARE APPEARING ON MY EQUIFAX CREDIT FILE. CONFIRMATION FOR REPORT # XXXX ADVERSE ACCOUNTS/ FRAUD UNAUTHORIZED ACCOUNTS XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2022 and XX/XX/2022 I alerted Equifax to incorrect information being published to my credit report regarding 3 accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. Equifax has failed to validate the information it has published to my report, they have not sent me any information regarding their method of validation, and the incorrect information is still appearing on my report. It is having an adverse effect on my life, my credit, and my ability to meet my basic needs. 

On XX/XX/2022, Equifax gave a very general, non-specific, non-response to my complaint. I have provided specifics to Equifax on several occasions - there is no reason why my claims could not have been investigated and handled pursuant to my original CFPB complaint regarding this issue ( XXXX ). 

I am creating this second complaint and including more details here for the convenience of Equifax. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment.
Complaint sub-issue: Information belongs to someone else

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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: Problem with rewards from credit card

Fidelity Rewards Visa Signature deprived me of my lawfully earned cash rewards by depositing my cash rewards to phantom account. I have 12 accounts at Fidelity including two checking accounts. Ironically, Fidelity deposited my cash rewards on two prior months into the account I provided automatically. For the period ending XX/XX/XXXX, Fidelity deposited my cash rewards into a phantom account I know nothing about. And this came after I complained about a customer service rep. Fidelity gave me XXXX rewards points due to the unprofessional behavior of their rep. Now my account has been tampered internally by a Fidelity VISA employee. I want my full rewards points and any applicable penalties and interest by law. This is a clear case of retaliation by Fidelity 's rep and fraud by someone within their organization