Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

In XXXX of XXXX my family and I decided to transfer 4 XXXX wireless cell phone lines over to XXXX as part of their " We'll cut your cell phone bill in half '' campaign. I was skeptical at first, and asked the salesman a lot of questions about their service, how quickly the conversion takes place when they switch your phone numbers over to XXXX  phones, etc. He promised a smooth transition. However, 3 weeks later, we still had 2 phones that didn't work properly, my sons texts were going to my wife 's phone and visa versa, and so I had to spend the better part of each day for 3 weeks calling their service number, and having to re-explain the situation all over again from scratch, as they kept no computer records of the previous days interactions, and nobody knew how to fix the problem of getting our phones to work properly. After 3 weeks of XXXX, I took the new phones into the branch and returned them and asked them to cancel our service, as they we're never able to provide the services they promised to us. The salesman was very apologetic and said we would get us a full refund, and I believed the case was closed. 

3 years later, in XXXX of XXXX, I get a collections letter in the mail. I immediately disputed this charge, and have gone through the painstaking steps of disputing this 3 times, and still no solution. This is a bogus debt, and now I am trying to build a house and this on my credit record is preventing us from getting it approved, not to mention financial damages in the form of mortgage insurance increases and a higher interest rate. I want this removed from my credit. I don't see how these phone companies can get away with this. It seems like anyone can ruin a persons credit with bogus claims. I think this is unacceptable. Thank you. Please see supporting documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

did not authorize credit inquiry
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting 120 days past due on XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. It is impossible to be 120 days late on a loan that has a {$0.00} balance due. This error is having a negative impact on my credit score.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I contacted ProCollect to let them know that I will be making payments through a third party company that will pay them monthly until the acct is paid in full. The representative accused me of refusing to make a payment. I been making partial payment for three months now.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to these companies and asked Equifax to send me proof I approved these inquiries and no one provided proof. XXXX said the inquiries most stayed even when I did not approve them. 

I want the following inquiries deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I submitted certified letters to XXXX, Equifax, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs. I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.
Complaint sub-issue: Reporting company used your report improperly

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave equifax, XXXX, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX, equifax and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Complaint sub-issue: Their investigation did not fix an error on your report

Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX  XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.
Complaint sub-issue: Was not notified of investigation status or results

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, Equifax XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Complaint sub-issue: Their investigation did not fix an error on your report

Ally Financial submitted a late payment on my credit for XX/XX/XXXX. I spoke with them in XXXX regarding set up automatic payment and due date change. It was not processed and I actually contact them and made a payment. I have been trying to get this late payment removed off my credit since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.
Complaint sub-issue: Debt is not yours

I sent a certified dispute letter to XXXX XXXX on XXXX XXXX. In it I also requested proof of damages. XXXX XXXX has been unable to verify the debt and has reported this alleged debt to the credit bureaus. I believe it is unfair to me to have fraudulent charges to be as a negative item against my credit report. Please help me.
Complaint sub-issue: Was not notified of investigation status or results

I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Complaint sub-issue: Information belongs to someone else

I was asked to cosign on a vehicle for my sister at Drive Time in XXXX of 2014. The vehicle ended up being a lemon and we had to file a complaint through the XXXX  in Arizona because the company here in XXXX said it had ties to the XXXX  here in Texas. The complaint was settled by allowing the return of the vehicle in exchange for my down payment and to remove ALL/ANY information used for the purchase of this vehicle from all three credit reporting agencies. i have recently pulled my credit and my sister has pulled hers and we have accounts on each others ' credit report with incorrect social security numbers and addresses that do not correspond to each others address.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX XXXX Account # XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? Thank you Sincerely,
Complaint sub-issue: Card opened as result of identity theft or fraud

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from XXXX XXXX  now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during Equifax 's Data Breach. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXXXXXX XXXX with a Balance of {$7800.00}. 

I have never opened Nor Used XXXXXXXX XXXX and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in XXXX XXXX all my life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX ******* XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A., states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, it also states a consumer reporting agency can not furnish a account without my written Instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Their investigation did not fix an error on your report

Hi, so I submitted a dispute with XXXX to verify a bankruptcy listed on my credit report. I was told it was verified by Lexis Nexis. I, then, contacted Lexis Nexis to address the inaccuracies, I was told the information was being provided from a different source. I understand The Fair Credit Reporting Act ( FRCA ), states that any information reported to credit bureaus needs to be verified with the original furnisher. I contacted the clerk for XXXX XXXX XXXX  and was told they do not report information. So they are illegally sending my information to the credit bureaus.
Complaint sub-issue: Bounced checks or returned payments

This is not the same complaint!!!!! PNC treats me like a unwanted consumer..I deposited a check from another account and had a colleague do the same ( his account however is always in the negative ) ..My check was placed on hold for 15 days, his was deposit in two days..I am more than sure this a prejudice issue against me as a woman and or my XXXX.. I stopped payment and closed the other account and made PNC aware more than 4 days before they processed the check, it was stopped and taken off my account, however now my account is in the negative because they have waited 5 days later and started adding fees to my account.. I reached out to that person XXXX and nothing was done.. I have been lied to repeatedly, am feeling a lack of concern for a delicate situation, and fees added upon all of this and have received no apology or no concern..The only reason I continue to keep this account is because of a family member who is no longer alive and things I have set up for the next two months, which cant be reversed..I have emailed the ceo and other executives and just like XXXX they dont care!!
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX  account Name : XXXX XXXX XXXX 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Trouble with how payments are being handled

The Biden Administration DOE stated in XXXX of XXXX that you may contact your loan servicer to request a refund of any payments that you made during the payment pause. It is also posted on the studentaid.gov website. With this information, I requested a refund for a {$2000.00} payment that I made in XXXX since I found out that the payment pause would count towards my PSLF payments anyway. I requested this refund in XX/XX/XXXX in writing through my portal. I did not hear from them and sent ANOTHER email over a month later in XXXX asking for the status of my request. I finally received an email XXXX months later in XX/XX/XXXX stating my refund request had been submitted and I would receive my refund within XXXX days. Fast forward to now ( almost 90 days later ) and I emailed them asking for the status of my refund. They emailed me back today and informed me that my loans had been consolidated on XX/XX/XXXX so I don't qualify for the refund. This can not be correct for several reasons : XXXX. I requested this refund well before I consolidated my loans. 

XXXX. Nowhere on their website or on studentaid.gov website does it state that it even needed to be done before I consolidated. Not that that matters because I still requested it before I consolidated. 

XXXX. I had tried several times to contact Mohela over the phone and by email and it is not my fault that they didn't process the request before my consolidation. I requested this as soon as the DOE allowed us to request the refund. 

No where was I ever told that it had to be done before my loans were consolidated. Also, had I waited to consolidate my loans until I receive my refund then I wouldn't have been able to apply for the PSLF temporary waiver to get into the program. That program had a deadline in XXXX. 

I also went on the studentaid.gov website TODAY and looked again at the requirements for the refund of payments. No where on there does it say anything about needing to be done before consolidation. This does not seem very transparent. I am attaching screenshots for reference. 

This is unacceptable to me. I have spent so much time constantly emailing this company and trying to call. I once waited over 80 minutes for them to answer my call only to have them hang up immediately. Why should I not be allowed my refund that is due to me because they are backlogged on their processing times, thus pushing my refund approval until after they conaolidated my loan? I submitted the request in plenty of time for them to refund my payment before consolidating my loan. 

I would also like to note that Mohela had my old loan before consolidation, I was only adding a loan to my already consolidated loans so that it would be included in PSLF. 

This is unfair and frankly, it should be illegal.
Complaint sub-issue: Account opened as a result of fraud

I received a new business debit card on XX/XX/2022 through the XXXX  Mail from Square, issued by XXXX Bank. I have had no previous business interaction with Square. The card I received was for a new business checking account for which I didn't apply. I did not attempt to activate or use the card. I contacted Square customer service on XX/XX/2022 at about XXXX XXXX XXXX. The person I spoke to took my name, email address, and the account number from the card. I explained that I had received the card without applying for a new account. The representative from Square checked the account, saw it had no account activity, and immediately had the account closed. I asked the representative about submitting a fraud report with the FTC. They agreed and recommended that I file a report. 

The issue was resolved quickly and easily, but I still decided to file a report so there would be a record of the event.
Complaint sub-issue: Account information incorrect

I was taking loans out from lendup for many years snd they kep charging me late fees and then reported me as a 30 day late on my credit reports I had multiple conversation with this company between XXXX and XXXX to get this report of my XXXX XXXX XXXX and XXXX. 
They ripped me if for hundreds of dollars for many years. 
I can not get this company to remove late payments I never had or get a refund for their fraud. 
Please help, Address used when I had loans XXXX XXXX XXXX XXXX XXXX CA XXXX Please let me know how to get this resolved as I have hire XXXX XXXX  to get this late payment removed with no success Thank you
Complaint sub-issue: Old information reappears or never goes away

Information that I have a current derogrtory account was falsely furnished to XXXX, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
Complaint sub-issue: Can't close your account

I am a victim of identity theft since early XXXX as I have received a number of bank accounts opened in my name with only some of my information matching but phone number and e-mail addresses not matching. 
Square/Cash App is one of these accounts that were fraudulently opened using much but not all of my personal information. Since it is an online only account the only way you can talk to anyone or do anything is through the Cash App mobile application. I did not open this account so the validation processes of phone number or e-mail address do not match the account so I can't access it or register with the application to talk to someone. There is no phone number on the debit card I received and I can not find one online either.

Since I can't register with the app and have no phone number to call, I called Square who owns the Cash App bank. Talking to people on the phone is a waste of time as they redirected me back to the Cash App to resolve my issue, which of course is not possible because I am a victim of fraud. I then attempted to use the chat feature with Square and again was directed to the Cash App application for assistance. I was able to get someone from Square to e-mail me but after going around and around they referred me back to the Cash App application. I can not get any help or talk to anyone within Square or the Cash App to help me close this fraudulent account.

All I want is to be able to close my account and not open any additional accounts with this shady company ( Square/Cash App ).
Complaint sub-issue: Account information incorrect

This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.
Complaint sub-issue: Funds not handled or disbursed as instructed

US Bank took over the CD 's I had with XXXX XXXX XXXX. When 5 of the 10 CD 's matured on XXXX XXXX, 2021, I called US bank and told them I was calling about the matured CD 's. After they told me the going interest rate, I told them to send me the CD 's. Not only were the matured CD 's sent to me, but also the 5 unmatured CD 's. When I received the checks that had not matured, I immediately called and asked what could be done. I was told to not cash the checks, but to return them to the Customer Care Unit at the following address : US Bank 24 Hour Banking, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was also told to include a note requesting the CD 's be reopened ( which I did ) and they would reopen the CD 's retroactive to the date closed. I started having conversations with XXXX XXXX XXXX phone number XXXX ) from the Customer Care Unit on XX/XX/2021. To make a long story short, she has since told me the XXXX 's should be able to be reopened ; on XX/XX/2021, she verified the checks had been received ; and on XXXX XXXX, 2021 she told me her manager ( who I later was told, by another US Bank person, was XXXX XXXX -- phone number XXXX ) was personally working on it and I should hear from her within a few days. Since XXXX XXXX, 2021, I have called XXXX 7 more times and her manager XXXX ( starting XXXX XXXX, 2021 ) 3 times asking each of them to call me and neither will return my calls. I have also called US Bank since I am not having my calls returned and gotten different representatives. One representative ( on XX/XX/XXXX ) emailed XXXX asking her to call me and another one ( on XX/XX/XXXX ) said they talked with XXXX, who told the representative to tell me she would call me in about 45 minutes, which she never did. On XX/XX/2021, which was the last time I called XXXX, I left a message telling her I was losing my patience and would have to try something else to get a response. On XX/XX/XXXX, I again called XXXX and left a message saying that since it doesn't seem they will be able to reopen the CD, I wanted to know what I needed to do to get my money back. I still have not received a call.
Complaint sub-issue: Information belongs to someone else

SENT THE FCRA VIOLATION XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX BREACHED