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

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX  XXXX XXXX XXXX   Original creditor XXXX  Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX  XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I reported a fraud incident with my credit card company ( Costco Visa Citi ) due to a transaction that occurred on XX/XX/2020. My credit card was cancelled and an issue was credited to my account. I reported incidents I believe in XXXX as well for multiple transactions that were approved to my account for a total of {$2700.00} ( detail below ). I also reported at that time some payments that were made to may account with a checking/savings account that was added to my online account that I did not recognize. These charges were reversed on the account but there was no security investigation as of how my account was accessed and a checking/savings account was added to my account. They simply reversed the charges on my account and also sent me on XX/XX/XXXX a determination that the charges to my account stand because the card 's XXXX chip was used at a chip enabled card reader. Also, my account credit limit is of {$1200.00} and they continue to approve transactions to my account even if it was over the limit. How can that be? If i am short for {$30.00} on my account and try to buy at a store I am sure I would not get approved. I have had other credit cards that spot illegal transaction like these and quickly contact the customer to confirm. Transaction over transaction were made to my account with no security on their side. There are too many strange things happening on my account to simply accept this determination. They can view my history on this account and my purchases never even passed I believe {$500.00}. I was very careful with my credit to have it ruined by this. I am sure there is a reason as to why XXXX adopted pin with the chip enabled cards and not just signature. The truth is that technology is an asset but it can be tricked. Below all the transactions made to my acccount.Notice that the first transaction was credited. 

XX/XX/2020 XXXX # XXXX XXXX, PR $ XXXX Credited XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$250.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$400.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$210.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$700.00}
Complaint sub-issue: Trouble with how payments are being handled

Dealing with MOHELA, the servicer of XXXX student loans. I have 2 student loans currently serviced by MOHELA. I signed up for auto-draft with the first loan. When my second loan began to be serviced by MOHELA the auto-draft did not update to include the second loan, nor is there an option online to include the second loan in the auto-draft. To make a payment, which is now late, I can only make individual payments at the loan level which is also confusing since my summary page shows only a snapshot of loan # 1 and thus makes it look like I have no overdue amount or payment due. I 've called the company multiple times and was informed that the only way I can sign up the second loan for auto-draft is to call the company and ask them to send me an additional form, which is not made available online. After calling and requesting this form 3 times I have yet to receive it.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : 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

XXXX Credit Bureau reported from a debt buyer ( IC System ) that I opened an account in XXXX of XXXX. I did not. The remarks from IC System said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the XXXX report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not XXXX.
Complaint sub-issue: Debt is not mine

Possibly a debt from a previous identity theft that has occurred and was handled by the State Attorney Generals office. This debt is not mine and I am not responsible for any part of it. This debt was attempted to be collected by another agency over a year ago. XXXX must give their employees extravagant XXXX gifts because I find myself being harassed by a second company on their behalf again this holiday season. If XXXX finds their coffers to be low they should probably consider bankruptcy or some other solution rather than harassing people who have never, and will never, do business with them.
Complaint sub-issue: Problem getting my free annual report

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Complaint sub-issue: Account status incorrect

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )
Complaint sub-issue: Information belongs to someone else

I am an identity theft victim. I never authorized, used, or benefited from these accounts or transactions in any way. I am writing to dispute the following items on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I disputed inaccurate unverifiable items on my credit report on XX/XX/XXXX  after not getting a response I resubmitted response onXX/XX/XXXX along with the FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 623 ( b ) ( 2 ). And as of XX/XX/XXXX Equifax has yet to send me any updates.
Complaint sub-issue: Problem during payment process

Made payment XX/XX/22 of {$73.00} by check. Payment processed by our bank at {$73.00}. Payment was never credited at receiving bank. Paid {$1.00} to agent at receiving bank to make the account have a XXXX balance. Made duplicate payment to agent of receiving bank of {$73.00} which was credited to our account by receiving bank. This was a duplicate payment to avoid paying interest. Faxed the receiving bank a copy of front and back of credit card and front and back of original check. Case # of dispute is XXXX. Claim # is XXXX. They have investigated and investigated and are still stalling.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/2022, I sent out a debt validation request regarding several accounts reporting by Nelnet on my consumer report. Nelnet confirmed receipt of my debt validation request on, XX/XX/2022, via email. Nelnet has failed to provide the documents requested, XXXX XXXX of XXXX, the original contracts, Account, Loan Status and balance. It also has been past 30 days and Nelnet has not provided the information requested.
Complaint sub-issue: Fee problem

I established a PNC account in XXXX to use as a local account since my normal bank does not have a presence where I live. This account was subsequently transitioned over to a new account in XXXX when they got rid of all of the " grandfather '' accounts. This new account is different that the account I had originally signed up for and now comes with expanded fees of {$15.00} per month unless certain balances are maintained. Since this account for me was a secondary account to my account with an existing bank I was never able to maintain the balance requirements and have been charged the additional fees as a result. 

Additionally, I established a student account for a family member that tied to my existing account in early XXXX. This account is for a XXXX year old and the link allows me to easily transfer money to his account when needed. Recently, he deposited his pay check at a PNC atm and was charged a fee for using their express funds option. I understand that he was told there would be a fee to do this via a pop up at the atm, however the fact that he is new to banking coupled with his age/inexperience with life means that he is a prime target for these fees and di n't fully understand. Furthermore, he withdrew money from an atm later that week and was charged again since it was not a PNC atm. Again, there were notices provided about the fees. To me, the fact that it was a student account should have informed the PNC that they were dealing with someone that is new to banking. In total, he had more than {$13.00} in fees for these transactions, however when I checked with the bank there is no way to prevent these options from being available to a student account. The express funds option should not be available to a student account or should be able to be deactivated if requested. Many more students, who do not realize that some funds from a deposit are available after completing the transaction will also fall prey to this type of predatory banking.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There were several things listed on my credit file that I submitted a letter with the documentation they requested and what I received back as an OPEN LETTER with all my personal information and a return to sender unable to deliver. I then checked their site and it's the same address on the envelope. This is not acceptable. What are they trying to do stop me from disputing??????????
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I received a letter stating that I had 28 qualifying payments. However when I log into my account, it states I only have 26 qualifying payments. I was told by a representative at XXXX that the payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not being counted because I did not have an Employment Certification Form filled. I was told that if I had the formed filled out that those 4 payments would counted. I have the Employment Certification form from XX/XX/XXXX- XX/XX/XXXX form filled by the Human Resources Representative stating that I was employed 32 hours which is full time under the Public Service Loan Forgiveness Program . I have attached this letter. Therefore, I should have 32 qualifying payments instead of 26 or 28 payments. 

I called XXXX on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), and she stated that the Human Resources representative did not verify that I was full time. Under the Loan Forgiveness Program, it states that 30 hour pers week or more is considered full time. I spoke with  Human Resources on XX/XX/XXXX and she stated that she told XXXX on XX/XX/XXXX that from the entire time from XX/XX/XXXX-XX/XX/XXXX that I was working more 30 hours per week. The Human resources representative stated that she told XXXX that for purposes of the Public Service Loan Forgiveness Program I was XXXX for that entire time period. I would like to see that my qualifying payments be updated from 28 to 32 payments. Online it states that I only have 26 qualifying payments which contradictory to the 28 payments sent in the letter onXX/XX/XXXX. 


Additionally, XXXX disqualified my payments made for the period of XX/XX/XXXX to XX/XX/XXXX based on an Employment Verification form I submitted. I did not submit any Employment Verification Form for this period of time. I have included a copy of the disqualification from XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the disqualification form of working at least 30 hours or more for this time period. I have included a copy of the disqualification sent from period of XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the verification form of an annual average of at least 30 hours or more for this time period.
Complaint sub-issue: Their investigation did not fix an error on your report

We closed on a XXXX refinance mortgage around XX/XX/2021 with our first XXXX payments successfully processed by bank draft originating from our XXXX checking account. I've attached the proof of payment from XXXX - XXXX of 2021. The XXXX payment was rejected by XXXX with no explanation as to why it was sent back to our bank. The payment left our account on XX/XX/XXXX and returned on XX/XX/2021. 

When I realized that the XXXX payment had not posted with XXXX, I called the servicing department at XXXX and spoke with an agent. She did not know why this had occurred either, and she said that she would forward the question to their " research '' department for further investigation. I never heard back from " research ''. I was away the month of XXXX and assumed my bank would have re-submitted the draft, which it did not. The auto payment draft for XXXX 's payment had occurred as expected from our XXXX account but was rejected by XXXX, again without explanation. 
Again I called XXXX and all the servicing agent could tell me was to contact my bank. I did have a meeting with XXXX bank and they determined that the funds being rejected was coming from XXXX, nothing to do with the bank drafts sent automatically from our bank account. 

Meanwhile, an inaudible voice message was left on my husbands phone messaging system. He thought the message was a marketing call from XXXX XXXX. He says he could not make out or understand the broken XXXX message that was on his voice mail. 

I received no phone call or email or snail mail from XXXX during this whole time. Nothing was mailed to us except our normal monthly statements. There was no attempt for XXXX  to contact me, even though I was the XXXX attempting to get information from XXXX. I've attached an email dated XX/XX/2021 again attempting to learn what was wrong and why XXXX payments had been rejected. I never got a reply. 

I will also attach the emails between myself and XXXX 's servicing people. 
After contacting the servicing department for the XXXX time, we were told that letters were mailed to us to notify us of the change in payment instructions. We did not receive any letters from XXXX with this information. 

All our attempts to rectify the 30 day late payment has not resulted in a reversal of XXXX decision to report to the credit agencies. We have had SEVERAL mortgages and we have NEVER been 30 days past do on any loan. We have ALWAYS received a letter from a mortgage company when the loan is sold, transferred, or when there is an update to the account number. XXXX says they sent emails to my husband, which he DID NOT GET. He as checked everywhere in his emails and he has not gotten any such account number change emails. Nor did I. We did not receive notification by US mail either. I had no idea of the loan transfer. Prior to this 30 day late report, our credit score XXXX, this 30 day late report has lowered it to where getting another mortgage is out of reach.
Complaint sub-issue: Information belongs to someone else

there is a XXXX  student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with Equifax and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 my Citi bank mastercard number was used by an unknown person for a purchase of {$3000.00}. I reported the fraudulent charge to Citi bank and was credited by Citi bank for the full amount. Apparently the company that accepted the fraudulent charge issued a credit to Citi bank of {$2900.00} for this same transaction. Citi then charged my account this same amount {$2900.00} on my XXXX statement but never applied the merchant credit to cancel it out. They are now claiming that I owe {$2900.00}. I have called at least 10 times and have been told numerous times that it will be taken care of. It has not. Citi bank is now calling me and saying that my account is past due. They have charged me interest and late fees and it is affecting my credit score, which has never had a late fee reported. I don't want to pay for a fee I had nothing to do with, but I am concerned about my credit score. I would appreciate your help in the matter.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely angered with how Equifax has handled reporting this breach. Hardly anything at all was done to notify the public for nearly a month after the breach was detected. A physical letter? No! An e-mail? No! Unprofessional and low class. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. This potentially could ruin millions of hard working people.Dealing with the 3 credit reporting companies is beyond tedious. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Complaint sub-issue: Didn't receive notice of right to dispute

I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )