Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

InquiriesXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Complaint sub-issue: Can't use card to make purchases

- For XX/XX/XXXX statement, substantial amount ( {$3800.00} ) of payment was made, posted on the account and immediately US Bank decrease credit limit without notifying me in advance ( from {$20000.00} to {$18000.00} ) which resulted in failure to make an important purchase. 

- US bank stated that mail was sent out ( notice of credit decrease ), but never received. 

- I have been US Bank Credit Card customer since XX/XX/XXXX, always had good standings on the account and this is the first time they ever decreased credit limit.
Complaint sub-issue: Account information incorrect

AES fraudulently reopened an account that was charged off and closed in XXXX XXXX by applying forbearances and deferments without my consent or knowledge. AES forged my signature on a forbearance request for the dates XX/XX/XXXX to XX/XX/XXXX. A 6 week forbearance is very unusual considering they are normally requested for 6 to 24 months ( see attachment ). AES admitted that after I demanded they remove all negative reporting and delete all tradelines, they applied forbearances and deferments to keep the account from falling off my credit report and keep it in good standing. I did not request nor sign any forbearance or deferment. The signed MPN is for the amount {$14000.00} while AES claims that owe over $ 90k ( see attachment ). AES is reporting inaccurate and incomplete information to XXXX and refuses to correct the issue and remove the tradelines. The tradelines have been on my credit report since XXXX and yet there is no other information than as of XX/XX/XXXX it is current and in deferment. AES continues to withhold information regarding the owner of the account as well as other pertinent information surrounding the dispute. I have requested this information several times and they refuse to provide anything. AES agreed to remove all tradelines from XXXX and XXXX, but they refuse to remove the same tradelines from XXXX. This is an FCRA violation.
Complaint sub-issue: Information belongs to someone else

ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Complaint sub-issue: Account terms

I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 we received a Fraud Alert email from Citibank stating that they noticed suspicious activity on our Debit Card. I immediately called and learned they were alerted to three simultaneous ATM withdrawals from our bank account, in the amounts of {$85.00}, {$85.00} and {$84.00}. All were made at a XXXX XXXX XXXX XXXX, in XXXX California on XX/XX/2022, at the same time. 

I informed the Citi fraud representative that the ATM charges were NOT made by us ( my wife is a joint account holder ) and we had not been to XXXX CA. Its 75 miles from our home. After 41 minutes of answering their questions they said they would investigate our claim and assigned case Number XXXX. 

On XX/XX/XXXX we received an email from Citi that our fraud claim was declined. They said it was declined because we had possession of our cards, which is true. The cards have never been out of our sight for any reason. 

I insisted on appealing their denial of our case and asked for clarification as to why our fraud claim was declined. The Citi fraud representative told me all we could do is refile our claim. So we refiled a new claim on XX/XX/XXXX, case Number XXXX with the same information as the first claim. 

We have been customers of Citi for 26 years in good standing. We take pride in our perfect credit history and are on very solid financial grounds. We would not create fictitious fraud claims for any reason. 

Citibank is not taking us seriously when we give them our assurance that we did not make the three charges at the XXXX XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

unauthorized inquiries on Equifax from the following companies : XXXX XXXX On XX/XX/XXXX XXXX  plus on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I've spoken to the companies and to the credit bureau multiple times to no avail. Please the inquiries are unauthorized and do NOT belong and should be deleted immediately. They have repeatedly violated my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 2. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.
Complaint sub-issue: Reporting company used your report improperly

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

It's seems XXXX and Equifax continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX XXXX XX/XX/2021 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts XXXX Inquiries XXXX Try XXXX XXXX credit-boost-image Instantly Boost Your XXXX Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

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Based on your credit report, we found XXXX things you can do today. See your savings plan What would you like to do today? 

Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX  & reg ; XXXX XXXX & reg ; for Rebuilding Credit Robert, you're pre-approved for an offer from our partner XXXX XXXX XXXXXXXX  
About 90 % odds of approval, subject to final checks
Complaint sub-issue: Trouble getting information about the card

My US Bank Reliacard was placed on hold on XX/XX/XXXX. I was unable to view there was a hold however. Through the website and app there was nothing about there being a block on my account and everything looked fine, but any purchase of any amount was rejected. I called customer service to figure out what was going on and was informed there is a hold, but not why. I faxed over and filled out all my information and documentation online. I have called multiple times to check but I have received no help from any customer service staff. I am unable to pay my bills, or get any groceries and I have been out of food.
Complaint sub-issue: Account opened as a result of fraud

From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX  XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX  XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. 
XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. 
We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. 
I attended XXXX from XXXX to XXXX and was paying to finance it. 
I am now attending XXXX since XXXX - Present. 
Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison.
Complaint sub-issue: Trouble with how payments are handled

Federal student loans to attend law school. My diploma has been withheld since XX/XX/XXXX because I allegedly did n't pay tuition to the school. That bill was discharged in Ch XXXX filed in XX/XX/XXXX. Actual student loans were not discharged although I asked for it because I was never given my diploma although I graduated. My student loans are now at over {$160000.00} for a degree I never received. This year my payments were tripled to {$350.00} a month. I can not pay and applied for forbearance which has been repeatedly denied.
Complaint sub-issue: Debt was result of identity theft

As of XX/XX/XXXX I have informed Enhanced Recovery Collection of identity fraud and have provided them with an identity fraud filing with FTC IdentityTheft.gov on an idem they have reported to XXXX, and yet knowingly they kept additional fraudulent account information that they had under my name and Social Security Number from in in an attempt to harm my credit report in future as they did in XXXX of XXXX. 
The attached document shows that Enhanced Recovery collection had knowledge of a fraudulent account opened under mu name & SSN with XXXX XXXX XXXX in XXXX of XXXX, and when I notified them with FTC Identitytheft.gov informing them of fraudulent account they reported for charges with XXXX XXXXXXXX, they failed to notify me of the other collection account they had at the time under my name & SSN with XXXX XXXX XXXX and as a result waited for an opportunity on XXXX of XXXX to knowingly hurt my credit rating with Credit Reporting Bureaus. 
I have attached both Identity Theft report as well as a screenshot of my XXXX Credit Report showing XXXX XXXX XXXX fraudulent account was with Enhanced Recovery Collection on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XXXX of 2019 for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX XXXX my account with XXXX XXXX was officially closed. After reporting fraud MULTIPLE times and giving them all the money I physically could I was happy to see the account finally close. Then, XX/XX/2020 I receive a notification from XXXX XXXX {$2000.00} due to Jefferson Capital Systems. I was on XXXX during the time of the notification so I tried to dispute the collection. All I received is that this account falls under FCRA requirements. During this XXXX I tried complaining to XXXX through the XXXX  and they replied that after they " investigated '' my account is was reported not fraud and that my account is now in the hands of Jefferson. I was finally able to save up the money to pay off this debt, but, after intense research I find out Jefferson Capital Systems is not accredited through the BBB, but on their website it says they are?!? And every review on this company is the same, all closed/ disputed XXXX XXXX accounts! I never received a letter, email, phone call or anything from Jefferson Capital Systems stating this debt is due. I can only see it on my credit reports.
Complaint sub-issue: Information belongs to someone else

This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.
Complaint sub-issue: Public record information inaccurate

There are 2 public records from Wisconsin Child Support reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with Equifax and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.
Complaint sub-issue: Received bad information about your loan

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Emailed the XXXX / XXXX XXXX XXXX XXXX XXXX through their online contact system to inquire as to why they continually underreport my loan payments and qualified non-profit employment for XXXX XXXX XXXX XXXX ( XXXX ) program. Was told they would reply in 70-90 days - never heard back and it is now XX/XX/XXXX. The XXXX continues to say that they've received my request, but never gets back to me to request documents or even say what the status of my XXXX program is. 

Here is the contents of the email ( sent twice ) : I sent the below info to you a week ago and have not heard back. When will you contact me back? This problem has been outstanding for over a year and I need assurances that this will be fixed. Please email me back, or at minimum, acknowledge that you received this communication. It's like sending something into a black hole! 
-- -- My XXXX number of qualifying payments are not calculated correctly. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49  qualifying payments. 
Employer XXXX, Employment Date XXXX you list XXXX qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence  XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments.

Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer FXXXX Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 67 qualifying payments. 
Employer XXXXr, Employment Date XXXX you list 2 qualifying payments when it should be 42. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

I have the statements from the loan payment programs to support this claim. What is the best way to provide this info to you and get my account updated? I have requested this be done every year, and every year the info is grossly incorrect. Please advise as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I am no longer an authorize user on XXXX XXXX XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

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