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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX  XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/ I submitted a dispute with CBC Innovis in regard to inaccurate public records showing on my credit file. Namely, Judgement with XXXX funding, unknown judgement, and tax lien. I received a response back XX/XX/ that all public records were verified with XXXX XXXX. These public records are inaccurate and according to the law must be removed.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has an incorrect mark on my XXXX credit card from XXXX XXXX saying I paid 30+ days late which is NOT TRUE. I have never paid late for my XXXX and have documentation from XXXX proving that I have never paid late. Equifax has horrible customer service and will not remove the error on my Equifax report and is running me around in circles for almost 1 year. XXXX and XXXX are correct and show that i have never paid late also. Equifax is awful.
Complaint sub-issue: Their investigation did not fix an error on your report

This problem is with my XXXX report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to XXXX and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and XXXX is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to XXXX and they must delete the fraudulent accounts in 5 buisness days, XXXX have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into XXXX  and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... XXXX have done none of the following, the accounts are listed below ... also XXXX continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX/CBNA ACCOUNT : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Convergent Account name XXXX  Account Number XXXX Account name XXXX XXXX Account Number XXXX Account name XXXX XXXX Account Number 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 whiten instructions
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In XXXX of 2018 I went to the hospital a free an accident and was seen at the emergency room. They did not file with my medical insurance they use my car insurance to file the claim and now they are saying I owe almost {$700.00} dollars in medical bills. But I have and had insurance the hospital never billed them. Now Im getting a mark on my credit for no reason I have tried to give them my insurance information but they will not take it. This is not my fault it is the fault of the file department at the hospital they had my insurance info on file they failed to use it. Even my insurance timely filing is 15 months it has only been 8 months. This could easily be removed.
Complaint sub-issue: Account status incorrect

I filed a dispute with Equifax on XX/XX/XXXX when I discovered they were reporting an open car loan account with XXXX XXXX XXXX XXXX XXXX as closed with a last payment XXXX of XXXX, when the most recent payment was last month ( XX/XX/XXXX ). They were also inaccurately reporting my last name, so a drivers license was uploaded to their website to verify last name. On XX/XX/XXXX when I went to the online dispute website to check the status of the dispute, a message said to call XXXX to provide more information. On XX/XX/XXXX I spoke to " XXXX '' at the XXXX number. She was very difficult to understand and spoke with a heavy accent and appeared to have difficulty understanding me. She said my name had been corrected but the car loan dispute was ongoing. This morning I received an email stating my online dispute was complete, however when I followed the link to the dispute center, I again had a message to call the above referenced number to provide information. There was no information on Equifax online dispute website site regarding the status of my dispute.
Complaint sub-issue: Problem cancelling or closing account

XXXX XXXX XXXX XXXX is False Report my Business Account of my employment. XXXX continue to report this on my personal credit report making false reports, late fees, and is discriminating against a person with a XXXX. My credit report has severally hurt me by a XXXX points because of XXXX XXXX XXXX XXXX. I have all documents to prove False Reporting against me. I have also reported a Investigation with the XXXX XXXX XXXX XXXX, Colorado Discrimination/ Fair Housing Act for XXXX, XXXX XXXX , etc. Please have this removed from my personal credit report ASAP. It is being reported on Equifax & XXXX Credit Agency. Please Help!!! ... ... .. Sincerely XXXX XXXX XXXX. XXXX payments are due every month on the XXXX with a 10 day grace period with NO LATE fee. I have all receipts of my payments. Never Been Late!! Business Account!!!
Complaint sub-issue: Information belongs to someone else

My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.
Complaint sub-issue: Trouble closing card

Apparently a fraudulent claim was made for unemployment benefits. USBank sent me a ReliaCard apparently for those funds to be loaded on. I reported the fraud to the Colorado State office, and was directed to try and contact USBank to report the fraud to them as well. For two days I have attempted to reach a representative for USBank ReliaCard, however their system continues to disconnect you if you do not put in your SSN, which I refuse due to the fraud being committed thru this company. I attempted to go thru my USBank XXXXVisa  card branch who also where unable to get thru to any representative in the ReliaCard branch. I called 3 different times on XX/XX/20, and again 4 times on XX/XX/20, before I attempted to go thru the XXXXVisa branch. I spent over two hours attempting to file the fraud claim with this company to no avail and no response.
Complaint sub-issue: Account status incorrect

I am appalled by the fact that Citi did not remove this late remark that completely violates the FCRA. 

I have contacted the Consumer Financial Protection Bureau and the Federal Trade Commission because your company is reporting me 30 days past due from the {$450.00} membership fee that was placed on my account in XX/XX/2020. 

When I initially applied for this card, the {$450.00} fee was automatically going to be taken out with the checking account information I provided during the application process. I even contacted Citi and was told that no minimum was due at the time, NOT even the internal membership fee. 

This is not a true representation of my payment history as I did not spend one penny on this account before your company reported me 30 days past due. This is against my consumer rights to report information based off a fee that Citi applied to this account. Especially, when this was scheduled to be paid when I applied for this card. 

Your company CAN NOT report me 30 days past due! I was never informed by your company of ANY membership fee that was going to be applied when the card opened. How can your company report a fee on this account when XXXX NEVER used it. How can your company report me 30 days past due when I never used the card? This is completely unethical and I need further explanation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted Telecheck on XX/XX/XXXX, regarding a check that was returned to XXXX XXXX  XXXX Books. I was told the amount, however, I lost the name of the credit agency that now has the returned check. That check was written in XXXX. 

I called back on XX/XX/XXXX, and the representative told me she did not have a file for me with XXXX XXXX  XXXX. She did say that she had a file from XXXX for four items. XXXX does not take checks. XXXX made an error in an order I placed and they never DELIVERED the items. The items are {$19.00}, {$15.00}, {$8.00} and {$10.00}. They have attached a fee of {$100.00} to the bill. This is {$25.00} per check. I spoke with XXXX and they said that I did not receive any goods from them and they do not accept checks. My checking account number has been removed from my XXXX account profile. I have no idea why it was there if they do not accept checks. 

Telecheck told me to call XXXX and I have contacted both with no resolution to my issue. This is compromising my ability to open a bank account as well as use a merchant debit card-such as XXXX  etc. I need your assistance.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO UPDATE COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$14000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX I mailed out letters to all three credit agencies XXXX, XXXX and Equifax stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.
Complaint sub-issue: Threatened to sue you for very old debt

In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Complaint sub-issue: Received bad information about your loan

In between the months of XXXX - XX/XX/XXXX, I became enrolled in what I was led to believe was a student loan forgiveness, Revised Pay As You Earn ( XXXX ) program by way of EduLoan Servicing, in which my " account '' was later sold to XXXX, unbeknownst to me. Almost immediately after I completed enrollment with EduLoan, I began receiving multiple emails & phone calls from different people who said they'd acquired my account, and that I'd have to deal with them from now on. I had not, at the time, realize what selling information was, and that it was illegal. 

In XXXX of XXXX, after almost 5 years worth of payments, it was revealed to me by an official representative of the U.S. Department of Education that no such payments were made on my behalf and they did not recognize any such consolidation program by way of EduLoan or XXXX XXXX. Furthermore, the representative revealed that the U.S. Government suspended all student loan repayments for the year of XXXX to commence in XX/XX/XXXX, yet my bank has been charged bXXXX XXXX  XXXX every month in XXXX all the way up through XX/XX/XXXX until my card expired. 

I began receiving text messages from someone allegedly named XXXX XXXX about my card expiration & that they were looking for payment, which struck me as odd because no legitimate business will personally text you. The web link that was sent to me via this person 's email was only set up to receive your personal bank information. No further information was available on the website as to who they were, contact information or anything, only to receive your information. 

https : XXXX ) Once I was able to contact them, I told them I wanted a full refund and was told I wasn't entitled to one UNTIL I told them I was not going to let this situation go and was going to get whatever authorities available involved, possibly including an Attorney General. I told them that I now realize they've been selling my personal information without my knowledge, that the " contract '' was void because no consolidation payments were made to the U.S. Department of Education on my behalf like what was explained to me, only to them every month. 

Only AFTER all of this is when I began receiving open communication from XXXX via email, calls & voice-mail. On XX/XX/XXXX, the supervisor of the representative that was handling my file, explained to me they he would, in fact, refund me only {$930.00} to make up for just 2 years worth of payments that they knew they weren't supposed to be receiving. As of XX/XX/XXXX, that transaction never happened, nor has any further communication been made on they're behalf. 

I am including in this correspondence the initial interactions via email & text messages between myself, EduLoan representative XXXX XXXX XXXX XXXX XXXX, XXXX ' XXXX XXXX, XXXX & XXXX XXXX. I still have the original " contract '' and most, if not, all of the voice recordings over the last few years if needed for further review.
Complaint sub-issue: Problem getting report or credit score

On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act Equifax has violated my rights .15 U.S.C 1681 section 602 A states I have a 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: Threatened to sue you for very old debt

XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.