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

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.
Complaint sub-issue: Information belongs to someone else

There are two XXXX XXXX XXXX XXXX accounts for which I was an authorized user on and not the primary accounts holder or the person responsible for these accounts that Equifax is reporting as I 'm the responsible party when in fact in the credit reports it states I 'm simply an authorized user ...
Complaint sub-issue: Account terms

XXXX XXXX XXXX/ Account # XXXX $ XXXX is reporting in my credit reports Equifax \ XXXX \ XXXX as mine wrongly with a late paid and this account ise n't mine, it was prove that my account was XXXX XXXX XXXX XXXX ( account # XXXX*Good Standing $ XXXX ), when i file the problem they deleted My account and left this other account in my reports. This is a violation and defamation of my credit report. 
Please have this account removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022, I went through fraud with XXXX. I spoke with the company and they were able to credit me back the amount and remove this off of my record. With this being fraud can I please get the hard inquiry off of my record.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # 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 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 than 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: Information belongs to someone else

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Frequent or repeated calls

They call continuously without leaving a single voicemail. I blocked this individual number after XXXX calls within XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Complaint sub-issue: Trouble getting information about the card

My company is about my reliacard I try using it at the store and decline never had a problem with it till now the USBANK put a block on my card for a address change that on my ID that they have on file some address it been going on for 2 1/2 week now they told me send them a picture of my ID and picture of me.so I did and it only suppos to take 1 to 2 business day it's been 2 1/2 week I half to pay my Bills I call them everyday and they give me the something every day that they have to review my pictures so I send them one everyday and nothing I was getting at yall to see if yall can help me to unlock my card please. And I was looking at the bank reviews and there all bad that the bank put a hold on there card and took there money I'm asking for some help
Complaint sub-issue: Attempted to collect wrong amount

My loan was in deferment/forebearance and MOHELA reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains
Complaint sub-issue: Public record information inaccurate

LexisNexis Risk Solutions has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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, 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
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX ( Miscellaneous ) I have tried to remove these through this company after submitting a IDtheft.gov and police report and they have not been removed. Company has verified the accounts to be factual but how is that so if i'm a clear victim of ID theft!!
Complaint sub-issue: Their investigation did not fix an error on your report

As submitted to the CFPB on XX/XX/22 complaint number XXXX, Equifax confirmation XXXX XXXX Equifax reinserted previously deleted accounts # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX were reinserted into my credit file without notice. As a result of the complaint, EQUIFAX DELETED XXXX XXXX XXXX, XXXX DELETED, I pulled my credit report confirmation number XXXX and EQUIFAX has reinserted previously DELETED accounts and once again did not provide notice per the FCRA. XXXX XXXX XXXX Reinserted violation XXXX reinserted previously DELETED violation Reinserted XXXX XXXX XXXX previously DELETED violation
Complaint sub-issue: Received marketing offer after opted out

Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires XX/XX/XXXX. I placed a credit freeze on my file XXXX XXXX. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is XXXX of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of security and protection of my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX CARD Account Number : XXXX, 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 written instructions
Complaint sub-issue: Information belongs to someone else

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX, XXXX/XXXX  XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I have been contacting XXXX XXXXXXXX and now Mohela XXXX XXXX in regards to my loan and application under the XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX submitted my documentation by faxing it to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Shortly after Mohela XXXX XXXX took over but never provided any type of communication whatsoever. I contacted their customer service through email and calling and could not receive any type of information nor confirmation. I refaxed my XXXX application AGAIN to Mohela on XXXX XXXX and still have not received any type of communication ( even confirmation of them receiving and processing they have not informed me of ). I logged in the Mohela system and my application is just sitting there. It has been almost XXXX XXXX now going back and forth with XXXX XXXXXXXX and now Mohela to get information regarding my XXXX and to see my status with loan payments and forgiveness.
Complaint sub-issue: Threatened to sue on too old debt

Received a letter from XXXX XXXX XXXX, XXXX to take me to XXXX of California for a debt that is XXXX years old! The collection company or attorneys are XXXX XXXX XXXX, XXXX XXXX in XXXX, CA XXXXThe Credit Card is Discover Bank.
Complaint sub-issue: Personal information incorrect

Equifax is reporting my social incorrect. The are the only bureau reporting it and I have disputed it with them and they haven't fixed it. 
They still have my social off by 1 digit and there are several accounts only on Equifax that are not mine & I have never done business with. If they fix my social all those invalid accounts would come off as they are affiliated with that social. 
Because of Equifax not fixing this is has caused me to lose the financing of my house. 
Because of this I have contacted an attorney. 
This is an obvious violation and inaccurate info and I DEMAND it be fixed and the CFPB should demand it be fixed before they allow Equifax to close this complaint. 
I have attached proof of my social and PROOF that they are reporting my social wrong along with all the accounts affiliated with it. 
I am prepared to go further with legal action as long or as far as I need to take it. I am so tired of fighting this and them not being accountable. You guys are ruining my life! 
Do your job and fix it. Thank you
Complaint sub-issue: Information belongs to someone else

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 )  XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem during payment process

In XX/XX/XXXX I made a made a payment arrangement for this account. I have paid the monthly payment as agreed and mailing it to the address I was given. 

In XX/XX/XXXX I received a letter that my account had defaulted due to non-payment, and was now with a collection agency ( XXXX  ). After many hours on the phone, I was told that Citibank only has a record of payment for XX/XX/XXXX and XX/XX/XXXX. The representative did everything but accuse me of lying when I told them that I had the canceled checks. I spent HOURS trying to get this resolved.

Finally, I went to the " Executive Response Unit '', at which point they discovered that they had applied the payments to the wrong account ( my husbands ) despite the fact that my payments were signed by me and included a sticky note about the payment arrangement, and were sent to a special address for payment arrangements and did not include a regular bill. In other words, their fault. Eventually they removed the payments from my husband 's account and applied them to mine. The Executive Response Unit ( which I have been dealing with for six weeks ) sent me a letter yesterday indicating that they were not going to respond to any of my other requests. 
( The agent at the " Executive Response Unit '' was XXXX XXXX, XXXX ) So, I HAD made the payments according to the arrangement, but THEY mis-applied them. They made no apology for all of the hours of my life I lost to this, of course. However, they are refusing to do two very reasonable things.

1 ) Remove my account from the collection agency and restore it to the original payment plan, which I was making as agreed all along 2 ) Correct my credit report, which had taken a huge hit from the " referred to collection '' report.
I am not looking to avoid my responsibility for this debt, only to be able to settle it as originally agreed. Thank you for your help.
Complaint sub-issue: Information belongs to someone else

I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.
Complaint sub-issue: Called outside of 8am-9pm

This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never Bern combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.
Complaint sub-issue: Banking errors

XXXX XXXX - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
XXXX credit card - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
USBANK - Business account illegally opened without my presence, had a party unrelated to the company on the account who was in fact the one who had opened the account. A total of XXXX in fraudulent charges to this account. Only recently discovered this when an investor was looking into purchasing my business and began questioning all of the non business related expenses. Have reported to local law enforcement, company fraud division, FTC. 
XXXX XXXX XXXX  - unauthorized signer wrote XXXX check to a friend. Have reported to the bank, local law enforcement and federal reserve.
Complaint sub-issue: Information belongs to someone else

I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.
Complaint sub-issue: Trouble getting information about the card

My Name Is XXXX XXXX, i was trying to get my medications when my card got declined, I did nothing wrong and when i called i was told to do id verification which i did twice, even sent them my identification documents through USPS and i confirmed it was received, US Bank is holding 14000 of my money, i called US Bank, they said its identity verification, I told them i did that which they confirmed, next day i called again they said its the unemployment office who closed my relia card, i called unemployment, i was told my claim is verified and in good standing and they see no reason why US Bank should deactivate my card, i called US Bank, i was on call with the Unemployment office too that very moment, US Bank said it was unemployment office, which the Ohio Unemployment Customer Rep told a supervisor to speak with US Bank because no notes on my account from the unemployment office, that US Bank is holding my money unlawfully, i called US Bank, I asked of a supervisor, he said there was a note on my account from the upper office not to release my money or issue a replacement card, that there is nothing he can do to help me, i told him i am XXXX  and my health is failing, he asked me to tell it to the state agency, i went to church on sunday and discovered US Bank has been doing this for so long ... I have 140000 there i cant access in my Relia Card, it wont even let me login, i really regret using the relia card, i am planning a class action lawsuit towards this bank, my health is failing and they are witholding my money, my condition is very critical, Us Bank should reactivate my card or issue me a replacement card, i commited no offense, i asked what is the note on my account, They said they cant tell me the reason why my account is closed..i am XXXX  please someone should help me. Card ID : XXXX
Complaint sub-issue: Debt is not mine

I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Complaint sub-issue: Reinserted previously deleted info

Items were added to my credit report without prior written notification Per FRCA Section 611 all items must be removed
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to send a complaint about these three companies, EQUIFAX, XXXX  and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!
Complaint sub-issue: Debt was paid

Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment.
Complaint sub-issue: Having problems with customer service

I recently purchased a copy of my credit report and noticed that the XXXX student loan accounts that I have with " FedLoan Servicing '' are reporting late from XX/XX/XXXX until XX/XX/XXXX. 

I was granted a forbearance from XX/XX/XXXX - XX/XX/XXXX, however my credit report still shows late payments from XX/XX/XXXX - XX/XX/XXXX. I have tried contacting both FedLoan and the individual credit reporting agencies, however this information came back verified. 

I would like to place a complaint on both FedLoan and the Credit Reporting Agencies as subject to Section 623 ( a ) ( 2 ) the furnisher of this information has an obligation to provide this updated information to the Credit Bureaus. Furthermore, the Credit Bureaus are obligated under Section 607 ( B ) to report this updated information on the consumer 's credit report. 

I have documentation supporting both that the forebearance was granted and that the inaccurate information was verified. 

Thank you for your time and attention.
Complaint sub-issue: Debt is not yours

Debt is not mine asked for verification of debt no resolve.
Complaint sub-issue: Problem getting a working replacement card

In XX/XX/XXXX I applied for a credit card with Citi Cards. 

I was approved for the card in XX/XX/XXXX. 

I never received a credit card though. 

On or about XX/XX/XXXX - I received a statement for my credit card account. 

On XX/XX/XXXX - I called customer service at XXXX to notify them that i had NOT received a card and to make my payment. They accepted my payment of {$400.00} and stated that due to an error in their system the did NOT mail my credit card. 

On XX/XX/XXXX Citi Cards used XXXX  and sent my card. Citi Card sent my card to someone else 's address across the country XXXX miles away from me! This address was emailed to me to track my card. The card was delivered to someone else on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi Cards customer service to find out why! Customer service apologized, verified my address, canceled the card they delivered to someone else and said they would issue a new card. 

I asked to speak with a supervisor because I was concerned with their failure to keep my identity and financial information private and for mailing my card to someone else. 

When they transferred me to a supervisor he raised his voice at me and told me that the customer service representative already fixed it and he hung up on me.