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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
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, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : 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 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

Part of my identity was stolen. I never opened the account below. It does not even link with my Home Depot account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


THE HOME DEPOT/CBNA # XXXX ( XXXX ) XXXX XXXX XXXX Corporate Place XXXX XXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without written instructions.
Complaint sub-issue: Card opened as result of identity theft or fraud

Dear CFPB, It has come to my attention that there is information 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. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.
Complaint sub-issue: Company closed your account

On XX/XX/2021 at XXXX XXXX I received the following email : Hello, We have closed your XXXX account per the Demand Deposit Account Agreement. This account is not eligible to be reopened. 
We will attempt to return the funds in your account to the originator. Please contact the originator if you require access to these funds, as MoneyLion Customer Care is unable to redirect these funds for you. If the funds cant be returned to the originator, they will be sent to your state of residence upon reaching dormancy per your states laws, which varies depending on the state and can take up to 3-5 years.

Respectfully, MoneyLion Support XXXX demand deposit account provided by, and MoneyLion Debit Mastercard issued by, XXXX, XXXX XXXX, Member FDIC. XXXX is a service mark of MoneyLion, which offers the XXXX Account among its suite of financial products and services. Mastercard is a registered trademark, and the circle 's design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. 


I called customer service and was told that there was no update on my account and that no information could be given regarding how or when I will receive back the {$1800.00} that was in my account at the time of closing. I was not informed prior to this that my account would be closed, nor was I given the opportunity to withdraw money from my account prior to closing. I was also given no reason why the account was closed and no means to retrieving my money from the account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Complaint sub-issue: Overdrafts and overdraft fees

I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!
Complaint sub-issue: Information belongs to someone else

I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX CONCERNING XXXX XXXX XXXX AND XXXX XXXX. I DID NOT KNOW AT THE TIME WHO IT WAS BUT I BELIEVE THAT MY BROTHER ( WHO IS NOW IN XXXX FOR MURDERING MY XXXX  ) IS BEHIND THIS. THIS IS IDENTITY THEFT AND THEY HAVE YET TO REMOVE IT. I HAVE SUBMITTED A POLICE REPORT IN THE PAST ABOUT THIS AS WELL AS FRAUDULENT INQUIRES AND THEY STILL HAVE NOT REMOVED IT.
Complaint sub-issue: Account status incorrect

This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The 1st payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. 2nd payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.
Complaint sub-issue: Information is not mine

I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.
Complaint sub-issue: Account information incorrect

There are two accounts one is XXXX and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving XXXX/XXXX  XXXX
Complaint sub-issue: Account information incorrect

Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 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  XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX a consumer reporting agency named Checkr was contracted by a company known as XXXX XXXX XXXX - doing business as : XXXX! ... a ride share company! Checkr reported adverse information that was MORE THAN SEVEN YEARS OLD ... in fact it is a FIFTEEN YEAR OLD ( XXXX ) felony conviction for XXXX possession - which has ultimately caused my application to be rejected and my hiring for the position of driver/independent contractor to be denied!!! EVERY SINGLE THING ELSE - was clean & cleared on Checkrs report that they submitted to XXXX XXXX XXXX!!!!
Complaint sub-issue: Trouble with how payments are being handled

Dear Sir/Madam, I hope this message finds you well. Ever since I entered repayment with Sallie Mae they have made it IMPOSSIBLE for me to pay my balances seamlessly. Firstly, the system online only allows you to either enrol in auto-debit or pay with a checking account, no debit/card payments can be submitted. When trying to register my international account ( please bear in mind I live in XXXX ), the account can not be added due to their system not allowing other bank accounts registered outside of the USA. I could submit payments by phone, however their line does not accept international calls either. When trying to submit any payment with my bank in XXXX, they just simply reject it ( please see attachment ). We have resorted to submitting payments through their online chat and paying with my co-signers card as a " third-party ''. This has worked okay, not ideal but okay ; however as of Today XXXX of XX/XX/XXXX, I have been notified I can no longer submit debit/credit card payments over the chat either! There are so many ways they could help us make seamless payments, but it seems they're purposely making the submission of payments more impossible than it already is. I need your help either to force Sallie Mae into including the option to make payments online with credit/debit card ( or even XXXX ), or to include the option to add an international bank account to the profile in order to make direct deposit payments. Having ONLY the option of enrolling into auto-debit with a USA bank account OR pay with checking account DOES NOT WORK specially in XXXX where most of us in my position only hold credit/debit cards. Also the issue of not being able to communicate with them unless you call from a USA phone is ridiculous and disrespectful, specially when you take into consideration THEY HAD NO HESITATION approving my Student Loan for an XXXX university, and NEVER HAD AN ISSUE SENDING THE MONEY TO XXXX. Please please help ; I don't know what else to do and this issue has been ongoing since early XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I recevied a letter dated XX/XX/2020 from TCF Bank referencing a loan I never took out. They state payment was due on XX/XX/2020 but don't include the amount due. Just a " $ '' When I called the # on the letter it was for a TCF Bank collections department. I did not wait to speak to a representative because this appears to be a scam.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Deposits and withdrawals

I opened my account with Coinbase back in XX/XX/XXXX and purchased a Bitcoin and then I had my email that I was using at the time shutdown due to not having service with them anymore. After lots of years trying to reopen my email account I was finally able to gain access to it. I was able to reset my Coinbase password and gain access to my account and my Bitcoin was in my account. I tried to sell my coin and the site said that my account was restricted to buy and sell. I uploaded all the required varication on XX/XX/XXXX. I received email XX/XX/XXXX stating that my ID uploads were summited successfully and it would take 48-72 hours but sometime longer. Tomorrow it will be one month this is under review. I have done nothing wrong or suspicious. I have lived at the same address since I have bought the coin I have the same phone number same email and the same bank account that I purchased it with back in XXXX. Verifying my information should be quick and easy. I know that Crypto Currency is not main stream but we are not dealing with a small amount of money. I have as of today over {$57000.00} locked out that I can not sell or manage. If XXXX XXXX or XXXX XXXX did this same thing it would not be accepted. I do not know much about Coinbase as a company but I do know that they are about to have an IPO for {$100.00} XXXX evaluation soon. The company does not have any phone tech support that is hard to believe the email tech support would not be able to unlock an account for a month. I have researched lots online and the XXXX and XXXX groups are flooded with similar experiences. I am sure some of them are individuals that are trying the fraud Coinbase or launder money or something but this is not my case. Maybe they are just trying to protect my money which I appreciate but a month is a long time to verify something.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX I recieved communication from Equifax that they would not respond to my dispute due to " not being specific ''. Equifax has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. Equifax continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. Equifax has untruthfully stated that theycan not response to my disputes because they dont understand what accounts are being disputed, when in fact they have recieved several written corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. Equifax continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. Equifax continues to seek information from a third party vendors and not the acutal companie and report information from the vendor as " acurate '' when in fact it is not.
Complaint sub-issue: Account status incorrect

I was on a deferment plan because if covid 19- i was reported as being on the plan on credit report with all payments on time. All of the sudden now they reported late payments 2 times this year. I have tried my best to call them and explain and ask for help.i also made all if my payments as they asked me to eventhough i was unemployed, just to keep my credit clean. I need someone to help remove the lates because i feel i have been wronged. I have called them consistently to make sure whatever they tell me to do will keep my credit clean - whatever they tell me i would do as far as minimum payments to keep report clean until i regain employment. Please help.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a home depot credit card account when they sent me an offer for 1 year free from interest but I never received a year without interest. They began charging fees and fees. I closed the paid the balance and closed the account and they still charged me fees. Even today they send me bills which I refuse to pay. Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The compliant is with Citibank whom I never open an account with Citibank since  XXXX , and never in the past sent me any statement all this years until late  XXXX . All the sudden, Citibank contacted me that I owed them over 10 thousand dollars due to interests when Citibank buyout Costco 's American Express account back in  XXXX . Also, in my credit report for all the years, Citibank never reported I own it any money since  XXXX . In  XXXX , Citibank ruined my credit report by making fraudulent report to credit bureau that I owed them   XXXX    dollars past due. Late  XXXX , we asked Citibank to do investigation for potential ID theft. Citibank never provided investigation result, nor asked us for the proof. I have in procession the statement from American Express back in   XXXX   with   XXXX   balance after paid off the  XXXX  before I called American Express to close the account, and the Costco closing statement in  XXXX  showing I have a credit of   XXXX   XXXX  .