Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sent card you never applied for

On XX/XX/2021 I received at my home address via XXXX Mail an envelope containing a VISA Debit Card with embedded chip. The rear ( magnetic stripe side ) of the card is imprinted with my name, an account number, an expiration date, and a CVV. The front bears a code similar to " $ A # # # A ''. The card carrier is printed, " Activate your card. Scan code in Cash App. '' I did not request a card. I am not a customer of the companies involved. I believe the card was fraudulently requested and issued without proper verification. 

I am trying to contact the issuing Cash App organization and their parent/affiliate Square, Inc. to no avail. There is not a XXXX fraud telephone number advertised in the mailing, on the card or on the websites. Victims are referred to communication tools contained within the Cash App software which requires a user account to access. I am not a user, nor do I wish to become one. I do not want to install software or provide personal details to create an account. 

I found a web-form at Square which permitted me to send a message on XX/XX/XXXX. I requested cancellation of the fraudulently generated card. I received an emailed response on XX/XX/2021. The email directed me to the website for Cash App. 

On XX/XX/XXXX, I found a phone number listed on the Cash App website. I called the number that evening. A recording said they were closed and to call back when they were open. No business hours are listed on the website. 

On XX/XX/XXXX, I called again. After several interactions internal to their automated call management system, I was directed to request a callback if I wanted help. I touched the designated phone key and was assured of a callback. 

Hours later, I received a callback, but I missed the call. In a voice message, " XXXX '' said I could call back XXXX to the only advertised number ). 

I called the number again, interacted with the system and was disconnected by the system. 

I called back, interacted with the system, and was directed to request a callback if I wanted help. I touched the designated phone key and was assured of a callback. 

At this moment XXXX XX/XX/XXXX, evening ), I am still waiting for a callback from someone who might take my report of an unsolicited card issue. 

There are several problems evident in the way this ( these XXXX companies do business. A full investigation should be conducted and regulatory remedies applied. I suspect I am not the only consumer adversely effected by these problems. There may be an identifiable class of consumer victims. 

In addition to Cash App and Square, VISA and XXXX XXXX are involved in this incident, and they should be made aware of the problems. 

P.S. On XX/XX/2021, I filed an initial fraud alert request with XXXX. The alert was confirmed by XXXX on the same day as my initial contact. Yay, XXXX! 

P.P.S. The CFPB web-form requires input to the " Billing Address '' section, but this victim has no way of knowing what billing address is associated with this fraudulently-issued, unsolicited card.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Complaint sub-issue: Problem during payment process

To Whom It XXXX Concern Within Discover : Thank you for taking the time to review this correspondence. My name is XXXX XXXX and I am a satisfied customer of your financial institution. My purpose for this correspondence is in regards to the appearance of a late payment from your institution on my personal credit history. 

This remark is dated [ XXXX, 2022 ], and this is the remark made by your company. As stated above, I am very satisfied with my account with your institution, and as such have maintained regular use of it for purchases, and have made timely payments before this incident happened. My concerns regarding the presence of a late payment are that it may remain on my credit history for an extended period of time, and is causing damage to my credit report. This concerns me, as it may interfere with my ability to maximize on my credit potential, which may include opening another account with your fine institution. I am politely requesting that the late payment remark be removed from my credit history, with no adverse effect on the account to which it is attached. I trust that this correspondence and my request will be taken into consideration, as I've come to expect nothing but the highest level of customer service with Discover. I will continue to be an upstanding customer of Discover, as I view Discover as an upstanding financial institution and as the provider of my first credit card. I look forward to a long and prosperous working relationship with your company, and hope to have this matter resolved at your earliest convenience, to our mutual satisfaction. 

With sincere appreciation, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Received bad information about your loan

my loan is being managed by XXXX. 
I have been trying to get my repayment plan corrected since XX/XX/XXXX. I have been provided a series of misinformation and horrible customer service. There have been horrific errors to my account including at one point changing my name to my spouses. The company through your help agreed to allow me to make payments for the missed months to count toward my PSLF plan. They required me to recertify I work for XXXX XXXX months early to do so. I have 2 dates listed on my file a computation date XX/XX/XXXX and a station eod date XX/XX/XXXX. They are denied my PSLF application bc the prior application had the eod date and the current one had the computation date. Now none of my payments are being counted towards my PSLF and the back payments I applied ( when I was originally in forebearance during that time ) have counted toward my PSLF either. This has been a total nightmare with me in tears every time I speak with them. The last rep was just heartless and totally empathic especially when it was this company that had disastrously messed up.
Complaint sub-issue: Information belongs to someone else

sent ftc violation to the creditor and bureau
Complaint sub-issue: Account status

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$22000.00}. Equifax reports incorrectly that this is an XXXX account. Equifax reports incorrectly this account 's Date of First Delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Debt was paid

XX/XX/XXXX : I called ERC to pay a supposed debt of {$220.00} with XXXX XXXX XXXX, XXXX. An amount of {$230.00} is shown as paid and cleared on my credit card statement as of XX/XX/XXXX. 

Fast forward 2+ years : I receive a collection letter out of the blue dated XX/XX/XXXX for the exact same debt I paid in XXXX. I find this very suspicious. I called an ERC representative, XXXX XXXX, at XXXX PST on XX/XX/XXXX and she confirmed that the amount was indeed paid, but then told me that particular office is closed and that I should call back and speak with someone on Tuesday. I find it very strange that the office would be open ( until XXXX EST on Saturdays, according to the letter ) but still can't resolve an issue for which they are clearly in the wrong. Regardless, I am filing a report for receiving a threatening debt collection letter for something I do not owe. This is illegal.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Debt was discharged in bankruptcy and is still impacting my consumer report negatively. I wrote the U.S. Bankruptcy courts in Illinois and Indiana and both informed me that they DO NOT provide any information to ANY reporting agency. I've also contacted Lexis/Nexis informing them of the violations under 15 USC 1681 . Please remove and/or delete these bankruptcies from my consumer report for they are a defamation to my character and preventing me to live life as a consumer of the United States XXXX
Complaint sub-issue: Reporting company used your report improperly

The account reporting by XXXX XXXX  is fraudulent. I do not owe the original creditor. There is not even a date of first delenquincy. not only that i have proof from original creditor that my balance was XXXX at the time of account closure. i want this inaccurate information removed imediately for violation of my consumer rights under the fcra Delete for violation of 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Complaint sub-issue: Account status incorrect

There is a collection for {$210.00} on my Equifax report. I was not made aware of it and never got anything from any collection company stating I had been turned over to collections. I called a medical billing company I thought it might be, they said it wasn't them. That leaves an unknown company damaging my credit with no notification to me. I want this item removed and never put back on my credit. If it is I will promptly sue the biller and the collection agency for numerous Fair Credit Act violations. See page page 2 of the report attached, top of the page.
Complaint sub-issue: Their investigation did not fix an error on your report

Tried 3 times already -- my Equifax NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for XXXX XXXX paid off in XXXX of XXXX
Complaint sub-issue: Overdrafts and overdraft fees

When I opened this account, I submitted a request in writing to 1. be exempt from arbitration and 2. to not have the card overdraw. This account is used for small community group with limited resources. The account has been open a few years now and it was in good standing. The account even had a latent balance of anywhere from {$200.00} to {$500.00}. 

I last logged into the account on XX/XX/2019. In XXXX, I again logged into the account and much to my surprise, the account was severely overdrawn. After reviewing the account, I realized the visa debit card was overdrawing the account even though I requested that this not happen. Most of the transactions were less then the {$37.00} overdraft fee and as small as a {$5.00} transaction. As soon as I found out about the overdrawn status, I made two deposits to take care of the overdrawn amounts. However, the account still has a small balance as there was around few hundred dollars in fees. 

I would like the bank to reverse all fees charged to the account since I requested that there not be any overdraft fees upon opening the account. Also ensure the original request to not overdraft is honored. I would also like to avoid any collection costs or credit reporting. I would like to keep the account open and have another ACH direct deposit on the way this Friday.
Complaint sub-issue: Debt is not yours

I first contacted XXXX XXXX company regarding my move and asked if they could turn off the gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the bill to their name. I was under the impression that the current residents did such thing as I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that i did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that i called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time period. Pleas remove All credit and financial obligations as I did not reside at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and informed the company that DID NOT and DO NOT live at the property.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX  is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX  explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that XXXX, equifax, and XXXX are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find attached : 1. Letter sent to XXXX 2. proof of identification 3. US Dept of Justice complaint 4. Federal Trade Commission Identity theft complaint 5. copy of 3 bureau credit report displaying inaccurate reporting of information by all 3 major credit bureaus
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from my credit report : 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: Reporting company used your report improperly

I have filed several disputes complaints with Equifax, XXXX and XXXX complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.
Complaint sub-issue: Account status incorrect

I recently check my consumer report and notice I had 2 late payment from 2 different companies XXXX XXXX and XXXX Bank and to be honest Im a smart consumer and I am fimilar with certain laws. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The 2 accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

LexisNexis are deceitful liars. I demanded they stop furnishing a bankruptcy that they were unable to verify as I have a letter from the court stating that they did not furnish information to any reporting agency. I also demanded a security freeze. I received a letter with a pin number for my security freeze. Then I received a letter stating they could not authenticate my identity to remove the unverifiable information, thus continuing to violate my consumer rights. They are liars because they were able to authenticate my identity with my drivers license and utility bill for the security freeze but somehow can not for the violation of my rights. I demand LexisNexis stop furnishing information about me and delete the unverified bankruptcy immediately.
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of trying to buy a home. The lender tried to obtain my credit score numerous times with equifax and there are receiving a message stating fraud alert. I dont not have a freeze or fraud alert on my equifax account. Called equifax 5 times on XX/XX/2021. And they tell me that its nothing wrong on there end. Im running around and circles. Its unfair that this situation is delaying my dreams of getting my first home.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  XXXX ), Account # XXXX ( XXXX, 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

These accounts are fraudulent : XXXX XXXX XXXX XXXX {$1900.00}
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2022 I filed a XXXX  complaint against XXXX XXXX for reporting adverse credit file information to all three bureaus related to an account that was not mine. I also contacted them multiple times at their Complaints Email address. They never responded at any point directly to my complaint. They did, however, remove the account that was not mine when I challenged the ownership of the account through all three bureaus. So the original issue has been resolved. However, do to the bizarre nature XXXX XXXX 's response to my complaints, there are new issues. First, they began to report new false information. Each of my XXXX XXXX accounts including my auto loan are now reporting " Customer Disputes. '' That is 100 % false. I never disputed those accounts. I only disputed an account that was not mine, which is now gone. Also, they deleted my auto loan from my Equifax credit report. That mistake needs to be corrected. I never disputed that auto loan, and I never asked for it to be removed from my report. My accounts with XXXX XXXX have a flawless payment history and responsible use. I expect this positive information to be reported, and there is no valid reason to have dispute status on my accounts when they were never disputed. Lastly, XXXX XXXX needs to stop sending me pieces of mail that make no sense. I have gotten several letters from them since my original dispute that say, " Sorry, but a careful review of your account shows it is not eligible for Service Members Civil Relief Act. '' Wow. Totally irrelevant. I sure wish they would have humans instead of computers handling these situations, because they keep making this same blunder. I also got a piece of mail saying they are trying to contact me about my auto loan account based on my inquiry, I made no such inquiry. My auto loan has a perfect payment history, and there was no dispute.
Complaint sub-issue: Public record information inaccurate

15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.