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

I am requesting my name be removed from a car loan with XXXX XXXX effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from XXXX XXXX. I was under the impression this issue has been resolved since I received a letter from XXXX  dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX or Equifax. My credit score based on XXXX XXXX for XXXX  is XXXX and Equifax credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from Texas. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

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 XX/XX/2021 XXXX XX/XX/2021 According to FCRA Section 605B ( a ), The Credit reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Previous complaint filed and was closed by CFPB. Received a letter on XXXX XX/XX/2022 from Equifax Information Services informing ME to supply THEM with a paystub, W-2, valid Social Security card , drivers license, rental or lease agreement, paystub, or utility bill to verify my identification and current address in support of the inaccurate information on my Equifax credit file.This request specifies that I must send them a copy of two different items one from each of the two categories listed below. One to verify my address and one for my identification. When I called Equifax information services as indicated by the letter, I was talked over continuously by their representative and placed on hold for 20+ minutes AFTER consistently requesting a supervisor only to learn that I had no file for them to change the information on. Therefore they are investigation into my concerns from the previous complaint was an outright lie! The representative also informed me that the information I would supply to them would create the file. When I asked where did they get their information from, I was informed from lenders. When I asked then why is some of the information wrong and he could not answer. I also asked why did they not use the information uploaded from the other credit bureaus into the previous complaint on the CFPB website. And he said they were not allowed to.
Complaint sub-issue: Didn't receive enough information to verify debt

I have asked the purchased creditor to send me proof of the debt owed and the contract, to no avail. I have disputed the account twice and it still shows that it is validated. 

How is it validated when the requested information was not sent to me however, it is being stated as ( validated ) with the credit agencies?
Complaint sub-issue: Frequent or repeated calls

I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I contacted Equifax via USPS Certified mail to request a investigation into 1 account from XXXX XXXX, that was incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Equifax a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove this false account. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate.
Complaint sub-issue: Debt is not yours

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020 I had my mortgage company complete a hard pull to get me approved for a house. All my reports except Equifax came back with my score and information. My lender said I can not get approved until my Equifax report is unlocked. I called Equifax that same day and spoke with two agents who told me that my report has no lock, freeze or fraud alert in place that would prevent my report from being pulled. I explained that is not possible because the message the lender is getting is " Report not available ''. Due to this issue, I can not get approved for a mortgage. The lender says I have a score and report and I can see this myself when I log on to myEquifax website but the report won't be released to the lender. I am asking for this to be corrected permanently so I can use my credit as normal.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 - I sent a letter to Veros credit to validate a debt that reported on my credit. I received no response. On XX/XX/2022 I sent a letter to cease collections and credit bureau reporting. They sent a letter back, asking me to give them all the information they I asked them to provide... which is my right under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
If they are reporting an account on my credit bureau they by law need to provide me with the information, I obviously dont know what the account is otherwise I wouldn't be requesting the information that they placed on my credit report. 

I have attached all supporting documentation.
Complaint sub-issue: Right to dispute notice not received

A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?
Complaint sub-issue: Account status incorrect

i fell behind. the lender wrote off the debt. they show that on my credit report. It then sold the debt and I am currently making payments. those payments are not reflected.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Equifax Mortgage Servi is reporting a few alleged Inquiries for date of service XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only  legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # 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  OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Complaint sub-issue: Reporting company used your report improperly

XXXX PM The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}
Complaint sub-issue: Problem with cash advances

Contacted Discover to set my cash advance limit to XXXX, effectively disabling this use. I don't want the possibility of merchants or, if the card is stolen, to get cash. 

I was told by customer service this is not possible, and no alternative was given. 

I saw a statement just a few months ago from Discover public relations, XXXX XXXX, saying it is possible to set it to XXXX  : XXXX XXXX XXXX Was this statement incorrect? Or modified right after advertising it? 

The Discover It card was my number one card a few years ago. It lost all of its benefits, and now I only use a few times a year when there is a reason to. It is unfortunate the good managers ( seems to have ) left this company.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

By law this company is supposed to provide a letter or notification of debt. I have 30 days by laws to dispute. This company never provided notice of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Cashcall is attempting to collect a fraudulent debt.

My identity was stolen= $ XXXX were charged on Credit Cards with my information. They have since been removed from my credit report.

Cashcall at this time will not remove the debt and can not provide verification. I have pursued this as fraudulent with them to no avail.

This has been going on for four years. They held the debt in collections beyond the legal limit for state and refused to move it off until they received two separate CFPB complaints. They can not provide the form information or verify the source of the form information. This has been going on for over four years now and I need it removed.
Complaint sub-issue: Didn't receive advertised or promotional terms

In about XX/XX/XXXX My local XXXX ( XXXX, Ca ) store had a promotion for their new XXXX XXXX XXXX XXXX Credit Card. The {$55.00} statement credit offer was expiring in a few days. My wife and I applied right then in the store and were approved for a high limit. The offer was that we would " receive a statement credit of {$55.00} within 2 statements, as long as we spent over {$150.00} ''. We exceeded that amount on the card that day, as we bought groceries and upgraded our membership to the executivXXXX. We were assured by the store employee ( an assistant manager ) that we met the criteria and will receive our credit within 2 statements. After 2 months passed we had received 2 statements without the credit being applied. We contacted both the XXXX store and Citi to inquire about or missing credit. Both the store and Citi blamed the other. After calling 4 consecutive days an agent at Citi 'claimed ' that they could see we met the criteria and the credit was pending and will be on our next statement. When the next statement arrived, we still did not receive the credit. I called back Citi again and was told i needed to talk the the XXXX store manager, I repeated that, no, i will not call them, as i have a credit card with Citi and not with XXXX. Citi claims that the credit is coming from the XXXX store itself and the store claims it has to come from Citi, as the credit card company. In XX/XX/XXXX, my wife called Citi and asked to speak to a manager. The Manager listened to the situation and called the XXXX store on our behalf. There was no resolution that day, but the manager took down our info and promised to call us back within a few days. We have never heard back from that manager as promised. It is now XX/XX/XXXX and we still have not received either the call back or our {$55.00} credit. I attempted one final call to Citi to attempt resolution, in XX/XX/XXXX i called Citi and they claimed that they 'never had a deal like that ' and 'i was lying about it '. I asked to speak to a manager at that time and was told, 'one is not available and they would be unable to help me anyway '. I am beyond frustrated now, i do n't care where the {$55.00} comes from but I WANT MY MONEY I WAS PROMISED. 
For the record, i spend $ XXXX-XXXX  a month on this credit card and pay off the entire balance every month. We have been dealing with this for 6 months when this should have been credited to us after 3 months at the latest. I demand that Citi do the right thing and credit my account the {$55.00} i was promised. They have been rude and incompetent and have exhausted all of my patience. 
I am asking for the CFPB to get involved since I am unable to get any resolution with this issue with either the XXXX store or Citi itself. 
I will be happy to provide any follow-up information requested. Please help
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Cash App reviews Cash App - Unauthorized transactions that were refunded but not recieved XX/XX/2022 Verified Reviewer 0 comments 1.0 Name : XXXX XXXX XXXX XXXX  : $ XXXX Reason : Back in XX/XX/2022 I had 4 unathorized transactions go through on my accpunt that I did not authorize nor did anyone have access to my secure card or account information which i keep very secure with multiple passwords on my phone. I disputed these transactions in the amounts of XXXX, XXXX, XXXX, XXXX. 

I never make these sort of purchases, especially repeatedly like this. So Cash App said refunds were sent back to my card linked to my account but have still gave never recieved a penny of them. Was told to conntact my card issuing bank and even with the trace numbers provided to me by cash app they were not able to locate said refunds anywhere. Fast foward and many many chats emails and phone calls, hours wasted talking with too many support agents to count, still nothing. 

So cash app tells me they will start their own investigation if i provide proof i never recieved them and things like name reason i think these were unauthroized, cashtag, dates and amounts. I provided all of this and have been the most cooperative with cash app three times now. They refuse to start investigation without any valid reason and keep giving me the mosy ridiculous automated answers as if they have no idea what i am even talkinh about even though i have chats that go back more than three months ago about this very issue. Sometimes i am just completlely ignored and told if there is anything else they could help me with theyd be happy too.

I need my money that is owed to me and i have waited lomg enough and have already started a complaint with the XXXX and CFPB and have no problem getting legal helo to go to arbitration if that is what it is going to take in order to get my money at least located. 

The weird thing is that each of these transactions still are in a pending status that says " REFUNDING BY XX/XX/2022. '' IT DOES NOT SAY REFUNDED, IT SAYS REFUNDING AS IF IT HASNT HAPPENED YET. i am really hoping to get this resolved immediatley and hope you will be able to help me out with this situation. 

Thank you
Complaint sub-issue: Threatened or suggested your credit would be damaged

NOT AUTHORIZED TO TRANSMITT PRIVATE INFORMATION UNDER FDCPA GUIDELINES.
Complaint sub-issue: Company closed your account

I applied for a business checking account on XX/XX/23. I opened my account with a {$250.00} deposit from my credit card, and it was charged on that date. U.S. Bank required additional documentation to verify my identity. I provided that, and my account was opened on XX/XX/23. My credit card was charged again on that date. I have provided a screenshot of my credit card account showing these duplicate charges. I reached out to U.S. Bank customer service via chat on their website. I was told to dispute the charge by U.S. Bank customer service. I have provided screenshots of this conversation. After I attempted to wire money to my U.S. bank business account on XX/XX/XXXX, I found out that my account had been closed. I was informed that the reason was because they had received a chargeback for the opening deposit. I explained that customer service told me to dispute the charge, and I was told that a manager would reach out to the department that closes accounts and that I would receive a callback. I never did. I followed up with a different manager, and he was unbelievably rude and dismissive. I was told that there was no way that I could have been charged twice, and that the account closure was my fault for disputing the charge. I implied that I would file a complaint with CFPB, and he discouraged me from doing so. He said that complaint would be dismissed, because I did not have any evidence. I have attached the evidence. This is entirely U.S. Bank 's fault, and they refuse to take any responsibility. I did exactly what I was told to do by U.S. Bank customer service, and they have attempted to blame me for their mistake.