Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX  points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution.
Complaint sub-issue: Problem with customer service

The method of how Nelnet is handling refund requests has no structure. Please see the below timeline : XXXX called Nelnet to request a refund for my payments. I was told the request was submitted and I would receive an email or a call about the status. 

XXXX or XXXX called again and spoke to a Rep that gave me general information and stated the the department thats processing the refunds arent taking calls, but I would probably receive an email. 

XXXX submitted an email, but received an automatic response stating it would take them 5 days to respond, so I decided to call later on that day. 

XXXX called Nelnet and was told my refund request is in the system, but due to the volume, it would take XXXX weeks to process now. 

XXXX received an email response stating they need additional information to review my account. 

XXXX decided to provide them with the information needed to look deeper into my request.
Complaint sub-issue: Information belongs to someone else

Whenever I try to access my equifax credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called Equifax and they send me to every department they have without me being able to even notify the correct authority about my issue.
Complaint sub-issue: Information belongs to someone else

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX  and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Complaint sub-issue: Information belongs to someone else

I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with Citi Bank, NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened fraudulently under my name on XX/XX/2020 on XX/XX/2020 a veterans check was deposited into this account fraudulently. Upon further review on my behalf the writing on this check isn't my handwriting and has been confirmed by a handwriting expert. Also there were several other inquiries to Citi Bank that were made XX/XX/2020, XX/XX/2020, XX/XX/2020. I am beyond upset that Citi Bank opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an Citi Checking account, and I don't understand why or how this happened. Citi Bank refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX XXXX XXXXXXXX via XXXX mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXXXXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes Citibank so different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, XXXX  as my correct address.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On my credit report from XXXX, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. XXXX  told me to send a letter for they could not find said acct over the phone. 

XXXX also report an account from XXXX XXXX XXXX  XXXX acct XXXX. I want that account to be erase  from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX   from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. XXXX  did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.
Complaint sub-issue: Information belongs to someone else

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, * XXXX XXXX XXXX  XXXX. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Complaint sub-issue: Deposits or withdrawals

On Friday XX/XX/2019 I submitted to Key Bank a certified original copy of an order that was approved by a judge in the Supreme Court to have funds released from a guardianship account in the amount of {$10000.00} for the maintenance and educational support of my daughter. 

The representatives at Key Bank including the branch manager told me it should be a few days because the legal dept needs to review the letter, however after 1 week went by I called the bank to check on the status of the withdrawal and their words to me were that " they need to make sure the language of the approval is correct. 

The following week, I was told by a representative over the phone that they had to make sure that I did not falsify the documentation.

In addition, the keybank representatives have not been forthcoming about what else would be needed, and when the funds could be accessed. 

To this day I have yet to hear from any of the representatives even after calling them several times and when I do call I just get shuffled around.
Complaint sub-issue: Their investigation did not fix an error on your report

this is some XXXX I AM TRIED OF COMPLAINING AND THE ISSUSE STILL STANDS. 
The US DEPT OF EDXXXX is claiming the accounts are mine and validated yet they are wrong. I have no knowledge of said account, they claim the date the account was open to be different on all three reports. THEY ARE WRONG AND NEED TO DELETE THE ACCOUNT FROM MY REPORT. CLEARLY I AM XXXX BECAUSE NO MATTER HOW MANY TIMES I CALL OR WRITE THE ISSUE STILL STANDS.also no on asked for any fraud alerts to be added so remove those and my old address is report off one number so remove the address. XXXX was not the address it was XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Complaint sub-issue: Can't stop withdrawals from your account

The problem has been for almost a year I've been dealing with missing money from my bank.the most recent incident was Saturday XX/XX/XXXX. Pizza was ordered online for XXXX $ somehow the transaction charged twice I contacted the pizza place she said wait until Monday and you'll see the amount only charged once because their receipts showed it going thru only once. So I waited until Monday and the total came out of my account twice ... Now I've been dealing with this problem with this bank for at least a year I called they gave me some excuse so we did the fraud again. 4 months ago the same thing was happening with another organization I was paying for my membership every month and the bank was taking the money twice a month and when I called too get it take care of they denied giving my money back. So this has been going on to long and I need to figure out how to get this taking care of because I don't know what the bank is doing with the extra money that keeps getting charged to my account.they even allowed a organization to take money from a frozen debit card and made the excuse that it was mastercards fault.
Complaint sub-issue: Account status incorrect

I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXX XXXX  Opened XXXX {$490.00}
Complaint sub-issue: Information is not mine

On XXXX XXXX, 2014, I contacted XXXX just to inquire general information on obtaining a mortgage. I made it more than clear, I was just looking for information and not ready to take action. The representative on the phone told me he would run a SOFT inquiry on my credit and that it would not affect my score. He ran my credit ( and my wife 's too ) and later that week, I see it was indeed ran as a HARD inquiry. I called and wrote asking for the audio from the call since I know they are at times recorded. I NEVER gave XXXX any permission for a HARD inquiry and I would not until I was at the stage to actually purchase a home. I feel tricked and manipulated by this company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XXXX - XXXX XXXX XXXX XXXX XX/XX/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 and account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi My name is XXXX XXXX and I want to bring the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason.According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : Creditor : Capital XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor XXXX XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 My contact information is provided below, and I have included proof of my ID and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF TRANSUNION DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, XXXX XXXX XXXXXXXX, SAGESTREAM LLC, XXXX XXXXXXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was potentially affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Their investigation did not fix an error on your report

My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. XXXX  reporting three late payments and comments on closed accounts which is Error, Equifax reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, Equifax and XXXX  of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.
Complaint sub-issue: Problem with fees

XXXX / XXXX /  XXXX   - I received an electronic state ment from Citi that I owed {$95.00} annual fee on a closed AAdvantage account. I then contacted them through their online Secure Message s to inquire about the charge. They responded saying the account was now closed and prorated the fee down to {$23.00} since their " record '' showed I did not call to cancel in  XXXX   XXXX  and I was over the " 37 day cancellation period '' to receive full refund.  <P/>  XXXX / XXXX / XXXX  - After over a month of messages back   and forth, I told them I 'd contact Citi Corporate since they could n't resolve the issue. I also pointed out that to this day, I was still able to generate a Virtual Account Number on this " closed '' account. They responded with the Office of the President address.
<P/>
Citi reps were quick to come back and argue but never attempted to investigate the integrity of their computer/billing system, ( 1 ) why the closed account is still active, and ( 2 ) IF they had been sending out statements, finance charges would have accrued on any outstanding b  alance since  XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Complaint sub-issue: Account information incorrect

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}
Complaint sub-issue: Personal information incorrect

In XXXX I wrote I letter to the credit bureau advising them my credit report shows incorrect information in the form of my name being incorrect, incorrect addresses listed, and inquiries that do not belong to me. 

It has been past the 45 day timeframe and this information has not been removed from my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''
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 confidntiality under 15 USC 1681 Account Name XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency containing any of the following items of information, any other adverse item of information, other than records of conviction 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 report
ing agency if the person knows or have reasonable cause to believe that the information is inaccurate