Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to open an account

On or around XX/XX/2021, I opened an account with KeyBank and placed a {$10.00} deposit via another debit card. On XX/XX/2021, I arrived to the branch and deposited {$160.00} in cash. However, the transaction took an unusual amount of time but the branch staff member at XXXX XXXX XXXX, XXXX, ME XXXX ( phone number XXXX ) informed me that I simply needed to furnish my " car insurance '' information, which I did immediately. She informed me that my account would be unlocked shortly after. 

However, via email I was informed that I would need to provide some forms of documentation, including a lease agreement ( it is a month to month via verbal contract so no lease ), and renters/homeowners insurance. I provided my renters insurance policy in full on XX/XX/2021, which shows my entire address. The entire statement via email was the following : " XXXX can also accept a signed lease, a land-based utility bill showing a service address, mortgage statement, or homeowner/rental insurance declaration page. '' This was sent at XXXX XXXX on XX/XX/2021 from XXXX. 

However, upon sending the rental insurance declaration page, I was advised " You would need to supply a document that shows the address you provided when you opened the account. Possibly have your state ID/Drivers license updated with your current address. Another option - can you get a full/current utility bill and a signed note stating you are living at that address from the person you are renting from? '' aka they aren't accepting the renters insurance policy. 

I believe that I am a victim of a scam to the tune of {$160.00} and they are finding reasons to not reopen my account at this point.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXX****I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from XXXX and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
Complaint sub-issue: Reporting company used your report improperly

Equifax was remiss in not reporting the breach immediately and not offering a concrete " Yes you were affected ''. They took their time to report and just in the past week offered to try and make amends to prevent identity theft.
Complaint sub-issue: Account information incorrect

I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX ACCT 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: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 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: Was not notified of investigation status or results

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : 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: Information belongs to someone else

Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of Equifax Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.
Complaint sub-issue: Trouble with how payments are being handled

I am currently a co-signer for my XXXX XXXX student loans ( XXXX ) with Sallie Mae. I fell upon hard times about XXXX months ago and reached out to them for forbearance, Sallie Mae 's XXXX told me, I did not qualify. Henceforth, I struggle to make payments. Finally, when I got a job, I made an arrangement with Sallie Mae to pay them a certain monthly amount per a deferment program they offered. I have adhered to our agreement and have paid Sallie Mae on time for each XXXX trial period payment. Moreover, a few days after I enrolled in the program, I called Sallie Mae and asked them why I am still getting past due notices. They told me once I made all three of the payments, I would no longer get the past due notices and my credit report would be rectified. I have paid the XXXX payments ( XXXX, XXXX, and XXXX ) for their program now they are reporting me past due XXXX  days on my credit report and refuses to correct this matter. In addition, I called Sallie Mae today about the past due notices, I was transferred well over XXXX times and each Sallie Mae 's representative told me different information. None of these reps seem to know what was going on, not to mention that they stated that the derogatory marks on my credit report are not going to be removed. Please, help me! Sallie Mae is taking money out of my checking account every month for this program and my loan is not decreasing and they are still sending me past due notices, and they are destroying my credit. 

In addition, when I had signed up for this program Sallie Mae told me that this program was going to be for all three loans. As you can see on the dashboard screenshot they have the program for XXXX loans. I do recall when I set up these arrangements that I would omit the lesser amount loan. However they have put that loan in the arrangement and have that past due. Last but not least, I went on to their payment center dashboard and tried to make a payment for the loans and the payment defaults to you are already on auto pay.
Complaint sub-issue: Account status

Remove outdated item past ( 7 ) years.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It XXXX Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, Equifax, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I faxed a letter to Equifax because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no response, on XX/XX/XXXX I sent a second letter via certified mail. On XX/XX/XXXX I received a form letter stating why companies access credit information.
Complaint sub-issue: Information belongs to someone else

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Complaint sub-issue: Their investigation did not fix an error on your report

Beginning XX/XX/XXXX I have sent numerous of letters and documentation to prove fraud with the reporting company. I have contacted the companies who the alleged fraud first occurred with and all could not provide any information where any credit applications where applied for.
Complaint sub-issue: Debt is not yours

I C Systems placed a collection on my credit report back in XX/XX/XXXX. I disputed this through my XXXX account but was denied. I then submitted a XXXX complaint because 1 - The debt is not mine 2- They never reached out to me letting me know they where going to place this on my credit report 3- When i asked for proof this debt was mine they did not have any proof When XXXX was involved I C Systems did reply and stated the following as well as sent me a letter to my home which i have proof of that says : " XX/XX/XXXX XXXX XXXX Please accept this letter as confirmation that I C SYSTEM will no longer pursue collection of this account and will return it to XXXX. 
We will request that any information our office may have forwarded to the credit reporting agencies regarding this account to be deleted or removed from their records. You may wish to review you credit report to ensure that your credit information has been properly updated. Your credit bureau account number is :XXXX This communication is from a debt collector " CREDITOR : XXXX ACCOUNT NO XXXX I.C. System reference no XXXX Balance {$1400.00} As you can see above this was sent to me on XX/XX/XXXX. It is now XX/XX/XXXX and i just got off the phone with XXXX and they have no information from I C System and this collection is still illegally on my credit report negatively affecting me and my family financial well being. PLEASE HELP When i contacted I C System again on XX/XX/XXXX via phone the representative stated they have no idea and said they would transfer my call to a Senior advisor but instead kept me on hold and hung up. I have proof of this letter sent to me, i also have proof that I C Systems replied to XXXX With the exact same answer.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

Date XX/XX/XXXX A man named XXXX XXXX XXXX born XX/XX/XXXX has driven a vehicle not fully in my name that was on a temporary loan based upon. 

Conditional delivery, '' or driving your new or new-to-you car home while a dealer ... If you have n't started investing yet, these tips will help get you on the right track .... to give back the down payment or trade-in if the deal is not approved. ... because the value drops precipitously once a car is driven off the lot. 

Too sum it these individuals took this car without permission resulting in the arrest of one individual, and other ran from the scene during this car accident. 

A YEAR LATER I GET A LETTER FROM AFNI SAYING I OWE XXXX IF NOT ALL THEN SOME OF THE MONEY. I EXPLAINED EVERYTHING TO THEM RESULTING IN OUR DISAGREEMENTS OF TRYING TO FIND PROOF THAT THE VEHICLE WAS N'T MINE LEGALLY IT WAS STILL THE DEALERSHIP NOR WAS I MAKING MONTHLY PAYMENTS YET WHERE I HAD NO DEALER ONLY TEMPORARY DEALERSHIP TAGS WHICH CAME FROM. 

XXXX XXXX will not cover this incident based on my identity being compromised and AFNI is trying to deceive me by theft and deception. They made threats that can impact my credit report saying I was negligent and I was not even the driver nor passenger. Also they made threats by notifying the DOT from suspending my drivers licence and registration privileges. 

XXXX XXXX XXXX at XXXX XXXX WebsiteDirections XXXX XXXX XXXX reviews XXXX dealer in XXXX XXXX, Colorado Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
Complaint sub-issue: Investigation took more than 30 days

I sent a letter out XX/XX/2022 to XXXX, XXXX and Equifax. However it's been more than XXXX  days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT
Complaint sub-issue: Old information reappears or never goes away

The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information through poor security practices which has put the majority of adults in this country at risk for credit fraud. Their handling of this breach and the lack of security preparations is disappointing. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should be held financially and legally responsible for every account and victim if any fraud occurs. The whole situation happened due to their poor security despite their knowledge that their information is critical to hundreds of millions of people. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX
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 involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on 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. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX Balance {$0.00}
Complaint sub-issue: Overdrafts and overdraft fees

I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. 

I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help.
Complaint sub-issue: Investigation took more than 30 days

I SUBMITTED THIS COMPLAINT ( XXXX ) OVER A MONTH AGO AND XXXX XXXX FAILED AGAIN TO PROVIDE ME THE VALIDATION AND VERIFICATION I ASKED FOR ( SEE ATTACHED ). I HAVE ATTACHED WHAT THEY SENT ME AND IT ADDS UP TO JUST A BUNCH OF BILLS. SOME DO NOT EVEN HAVE MY NAME ON THEM. THEREFORE THEY ARE IN VIOLATION OF THE FCRA. I NEED INFORMATION I CAN RESEARCH IN ORDER TO VALIDATE THIS DEBT AND FOR THE SECOND TIME THEY HAVE NOT PROVIDED ME THE INFORMATION I NEED. IF THEY DO NOT HAVE THIS INFORMATION THEY ARE REQUIRED BY LAW TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 I noticed three pending transactions on my debit card which were made in the state of Washington ( I am in California ). I immediately phoned U.S. Bank Fraud Dept. and reported the charges. The representative confirmed that a recently issued Debit card had been used without a PIN. I was told that the card would be immediately canceled and provisional credits would be issued for the unauthorized charges. The credits appeared within 24 hours but then disappeared the following day and the pending charges were deducted from my account. I have made several calls as to why the pending charges were allowed to post and the credits removed. No response and no accountability. I am a working person who must meet a rent obligation on XX/XX/XXXX. I have been Banking with US Bank for 8 years and am shocked at the complete disregard for Customers.
Complaint sub-issue: Debt was result of identity theft

There is something on my credit for Amica. I dont know who that is. I didnt authorize them to put anything on my credit report.