Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

This letter is a formal complaint against US BANK in regards to an accounts # XXXX {$9400.00}, XXXX {$5800.00}, XXXX {$7500.00}. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the three major credit reporting agencies XXXX, XXXX, and XXXX. For one, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law., I've actually disputed with them several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? Please investigate the practices, FCBA, & FCRA violations of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a XXXX. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

PNC blocks account linking with XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX XX/XX/2021 2021
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) 0000000003378****Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00}
Complaint sub-issue: Personal information incorrect

While reviewing my Equifax credit report, I see that an address that is listed is a place that I have never lived. How can I have this removed? 

I have never lived at the following address : XXXX XXXX XXXX XXXX, NC XXXX Thank you XXXX XXXX
Complaint sub-issue: Banking errors

My previous HSA account holder, XXXX XXXX sent my account balance to Optum Bank for a trustee to trustee transfer. The check was for {$48000.00} and XXXX XXXX showed the check as being cashed on XX/XX/XXXX. However, Optum Bank has not credited my account with the balance as of XX/XX/XXXX and has been unable to locate the funds. I've reached out to their customer service multiple times and had cases opened and closed with no resolution. Representatives have refused to escalate my case to a manager to help, and have promised managers would call me back but they never have. My money is missing to this point.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for XXXX XXXX. Called and they still havent removed from my credit report.
Complaint sub-issue: Account opened as a result of fraud

I received in the mail today a first Horizon XXXX XXXX that I did not request. This is a fraudulent account and needs to be closed immediately.
Complaint sub-issue: Deposits and withdrawals

I was banking with us bank. I had a deposit go through my checking account on Friday. On Saturday the following day I went to XXXX and got items and groceries totaling {$150.00}. My card was declined and I walked out of the store with nothing in hand. Two weeks later I was balancing my checkbook and my statement showed the bank had taken out {$150.00} for a charge at XXXX for that same time my card was declined and I walked out empty. I immediately called the bank and they couldnt explain. I went to XXXX and they checked their records for the day before and three days after and they did NOT show any record of a charge for {$150.00}. The supervisor even wrote a letter saying there was never a charge of {$150.00}.
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit report.
Complaint sub-issue: Information belongs to someone else

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act
Complaint sub-issue: Account status incorrect

I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX  ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.
Complaint sub-issue: Trouble with how payments are being handled

I mailed in onXX/XX/XXXX TWO payments money orders as they will not take a payment online, will not mail a statement, will not take a payment online. I do not get balances or receipts of payments or invoices. I have fought them for 2 years now to get it even listed on the website but yet cant pay on there and it says no payment due and no statements even on there.
I mail in the payments on the two subloans.
{$250.00} to one student loan - call XXXX XXXX can see status of payment loan XXXX XXXX {$250.00} to the other student loan - loan XXXX XXXX XX/XX/XXXX they process the one and today XX/XX/XXXX they claim they NEVER got the other one its a money order the only way I can pay them and its now lost they claim. So I am OUT of {$250.00} plus costs to get it mailed to them, late on payment and paid taxes on that income.
This is not the first time this has happened. I cant pay online I cant pay any other way.
How can they get one and not get the other to the exact same location at the exact same time!!!? I call I get transferred around and around and told pay the full balance now.
Agreement is {$75.00} a month and I am paying {$250.00}. I cant pay this off if I had cash sitting in my hand to save my life! Yet its damaging my credit I cant buy a house with these two scars on my credit yet nothing is late for years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXXXXXX 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 Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And Account # 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I have a loan with STATE FARM BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called STATE FARM BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and STATE FARM BANK with no successful resolution. XXXX  reporting me having late payments. There was an error on their part. I was never late.
Complaint sub-issue: Account status

I paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.
Complaint sub-issue: Didn't receive enough information to verify debt

It was around XXXX or so, I had a car repossessed because of the recession that occurred at the time. A year later XXXX XXXX XXXX called me and we agreed to pay the {$6000.00} residual. I asked them to send me a contract indication our agreement. They never did. Since then we lost contact until I received a notice in XXXX after I purchased a home. Now the company is called Reese Law Group. During the purchase of my home, the escrow company didn't find anything in my name. I was cleared to complete the purchase. Two years later is when I received the ( Notice of Lien ). I've tried to reach out to see what the matter was, and they just kept me hold for a long time. Now their saying that I owe them almost {$18000.00} in fees and interest. In XXXX I filed for bankruptcy protection. My lawyer failed to fight to remove this lien that was attached to my home. My lawyer indicated that he couldn't remove it because there was too much equity on my home. I'm completely XXXX and have no way to pay this lien off. The only way to pay them off is to refinance my home which I really don't want to. Reese Law Group wants me to take out more money that I want to. maybe because they know the value of my home. I know that their are companies who go out and buys these types of debts and sit on them for it to increase. This company WILL NOT send a complete breakdown of what is owed. so, how are we to communicate to resolve this issue. I'm afraid that one day they will come to take our home away.
Complaint sub-issue: Was not notified of investigation status or results

I mailed in a dispute and never heard anything back from the credit bureau Equifax.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a security breach and my information is believed to be compromised.
Complaint sub-issue: Information belongs to someone else

On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per identity IQ. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Problem with balance transfer

On XX/XX/2022, XXXXXXXX XXXX paid Discover electronically {$1300.00} for a balance transfer that I requested. I provided documents to Discover to show XXXX XXXX  paid them. Four months later, Discover has yet removed the {$1300.00} from my account. So I am being overcharged in credit fees of {$1300.00}.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX, acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX and XXXX credit reports. 
on EQUIFAX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.
Complaint sub-issue: You never received your bill or did not know a payment was due

An important letter in regards to billing and balance issues was mailed to an address I do not reside at in XX/XX/XXXX. I received no phone contact regarding resolutions for that outstanding balance from CITI. 

Due to COVID I was unable to receive that important hardcopy letter until XX/XX/XXXX when it was considered safe/allowed to travel according to the XXXX of California. During the pandemic ( XXXX through XXXX months, the most dangerous in California ), CITI sold the account to a debt collector. 

Debt Amount {$4700.00} Member since XXXX ( seven years history of good standing and payments ). 

During the pandemic, I have tried numerous times to get a hold of CITI customer service department at XXXX* but had to wait online for long periods of time without being connected. Thus, I was unable to resolve the issue with my account or even to suspend payments due to COVID. At that point I would have been able to work out a solution as well.
Complaint sub-issue: Other problem getting your report or credit score

equifax says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere
Complaint sub-issue: Debt was result of identity theft

I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.
Complaint sub-issue: Received bad information about your loan

My complaint that I submitted earlier on XX/XX/2018 on XXXX XXXX XXXX XXXX XXXX was NOT A DUPLICATE, CFPB! If a human actually reads these complaints, then you should've SEEN that! I submitted that complaint in reference to the INCOMPLETE INFORMATION THEY SENT TO ME. Please reference the complaint ID in the 'fair resolution ' section! They sent me documents that DID NOT REFERENCE THEIR COMPANY as " proof '' that I have a loan with them! I never signed a consumer agreement with them -- and they must provide a scanned copy of the original consumer contract WITH THEM ( not a copy ; in its original form ), bearing my actual signature. If they can not DO that, then they must delete the account ( s ) reporting on my credit reports. Nor did they verify or validate the addresses in the documents as 'mine ' and provide the method of verification for everything. I requested this from the beginning and did not get this EITHER. IN ADDITION, they sent me bills, statements, and itemized lists of disbursements, all of which DO NOT qualify as proof that an account belongs to a consumer! CFPB, you are being complicit in their negligence. If this continues to be denied, then I will see to it that YOU all get reported to the institutions who have control over YOU. This is NOT right!
Complaint sub-issue: Information belongs to someone else

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX / XXXX XXXXXXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXXXXXX card with out my permission. I have reported all incidents to local and federal authorities.
Complaint sub-issue: Public record information inaccurate

They are reporting 2 civil judgements liens on my credit report from US Department of Treasury XXXX as open accounts. One for approximately {$100000.00} and the other for {$800000.00}. These are defaulted civil judgements. In 2017, the credit bureaus entered into a settlement agreement called the National Consumer Assistance Plan ( NCAP ). In that settlement, civil judgements will no longer be reported on credit reports.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} EQUIFAX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Complaint sub-issue: Reporting company used your report improperly

I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
Complaint sub-issue: Public record information inaccurate

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.