Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sent card you never applied for

In the course of the month of XXXX, my husband and I have received four ( 4 ) credit cards with four different names using our home address. We have lived in our home for 25 years and built the home. Therefore, no one else has lived in our home. Additionally, we are in the process of selling our home, which is when the problem began. 

Here are the names of individuals of the credit cards sent to my home address ( XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) as sent from the same address ( XXXX XXXX, XXXX. XXXX XXXX, XXXX, Indiana XXXX ) : 1. XXXX XXXX XXXX mail received on XX/XX/XXXX ) ( I'm still in possession of this card ) ; 2. XXXX XXXX XXXX ( returned to Cardholder Services ) ; 3. XXXX XXXX XXXX XXXX returned to Cardholder Services ) ; and 4. XXXX XXXX XXXX returned to Cardholder Services ). 

My husband suggests the applicant potentially thinks they are able to come by our home and pick up the envelope from our mailbox. Luckily for us, our mail is delivered to a gang box and is not placed on our front porch. 

Please advise on how we can stop the credit card company from issuing cards using our address. Our contact information is as follows : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX home XXXX cell XXXX Thanks!
Complaint sub-issue: Their investigation did not fix an error on your report

JEFFERSON CAPITAL SYSTEM is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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 XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax, XXXX  has allowed XXXX XXXX to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.
Complaint sub-issue: Account information incorrect

Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXXXXXX acct # 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 a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company MoneyLion is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15. The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by MoneyLion. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( MoneyLion ) to review the documents I provided.It would be the MoneyLion legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, Exhibits of violations of federal codes and Invoice that is due on XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I was made aware of some accounts on my credit report that do not belong to me today XX/XX/2020 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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

Courts do not write to consumer reporting agencies. I want a file and my report sent to my address. I have reached out to Lexus nexus and they said it was valid. I know they did not get the information from the courts. 15 USC 1681A ( 4 ) they have infringed upon the right to my privacy.
Complaint sub-issue: Account status incorrect

Account never 60 days late at all and never 40 days late in XXXX or XXXX extensions were placed on file. 

As you can see from the attached call logs they were contacted over 21 times. The company states no such contact took place but the call logs clearly show otherwise. Additionally each of their responses has always differed. A transfer of equity application was submitted over 7 times. The late fees assessed are in 100 % absolute dispute as part of a dispute in XXXX they agree to waive these now state otherwise. 

Then they replied stating pay within 72 hours we will waive which was unrealistic and scandalous considering the amount was already in dispute. The supervisor stated they were processing the transfer while they were in dispute as the customer they were transferring to confirmed he was aware of everything again this was not done resulting in me having to be stuck with despite all appropriate measures being taken otherwise They processed a due date change that ran into technically difficulties the reporting attempted to fix and could not then that took away my ability to pick the date despite it not being my fault or my problem in any way that they made an error. 

Told to wait 12 months then told ok when account is current then they processed it allow one billing cycle then oh its only one time per life of the loan enough is enough I have emails, over 72 call logs since XXXX most of which during the times they alledged claim no notes and no calls placed on cease and desist they continued to violate over and over a bad call me before XXXX then said they didnt theres no record of that well I have the call logs that refute their constant lies there too Will be seeking legal action if not fixed
Complaint sub-issue: Information belongs to someone else

hello, I would like to report that these items that I found in my credit report recently are not mine. Its a fraud and I reported identity theft. I am very sad that now I need to dealing with removal of these accounts. I hope and believe that you make it fast because they are killing my credit report and my plans actually. I could not even imagine that I would ever face with this issue. I kindly ask you to help me and investigate this situation and delete those items. Thank you in advance
Complaint sub-issue: Other problem getting your report or credit score

Trying to access credit report through Equifax. After navigating their automated phone system to finally talk with an agent, I was asked to give pieces of information to verify my identity. After giving all the correct information I was then disconnected saying my identity could not be verified, leading me to believe there are serious issues on my credit report including possible identity theft. Of course, there's no way for me to access and check because I am locked out giving my complete and accurate information.
Complaint sub-issue: Trouble with how payments are handled

My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?
Complaint sub-issue: Account status incorrect

On XX/XX/2019. I received an offer letter to settle the account with US Bank. on XX/XX/2019, I sent the require payment to satisfied the account in the form of a certified check. Funds were withdraw soon after. The account was never reported as settle and this continue to appear in my credit profile even after multiple attempts to dispute the information with the credit reporting agencies.
Complaint sub-issue: Not given enough info to verify debt

Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 90 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. Listed account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$2.00}
Complaint sub-issue: Old information reappears or never goes away

In XXXX of 2019 US bank offered a one time payment to be paid for settlement to have the amount as paid in full. I paid this amount in full by the date specified. When I tried to obtain a home loan recently this is still showing on my credit as last reported in XXXX of 2019 and not paid which did not make any sense because it was paid the month prior ( XXXX ) so why they did not report as paid satisfactory I dont know. This needs to be corrected to all three credit Burroughs as paid in full XXXX of 2019 and satisfactory. US bank was contacted today by my wife and myself regarding this and the lady was not helpful. She would only say the credit Burroughs would have to fix it that they report correctly and monthly but I advised her that my reports are showing incorrect reporting and last reported XXXX of 2019.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately.

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$20000.00}.
Complaint sub-issue: Information belongs to someone else

I paid for an application fee for a home that I was trying to rent. I was denied the home because XXXX reported to them that I was evicted from XXXX XXXX XXXX in 2016. I do not live and have never lived in any XXXX XXXX XXXX Property. My mother and I have the same name and she rented from XXXX XXXX XXXX, not me. This is not the first time that this has happened and I was denied housing and employment due to XXXX XXXX and Corelogic not verifying the information that they are selling to people
Complaint sub-issue: Debt is not yours

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).
Complaint sub-issue: Account status

I have tried multiple times to have XXXX investigate this account as the information they are reporting is not accurate. I was denied a mortgage loan last week specifically because of XXXX reporting. 
In an update last week ( XXXX XXXX, XXXX ) XXXX reported on XXXX XXXX 's file to Equifax that we were late in XX/XX/XXXX. THE ACCOUNT WAS CLOSED IN XX/XX/XXXX so this is not possible. 
XXXX reporting XXXX Account number, incorrect high credit, and incorrect date of first delinquency. I have attached the original settlement statement that has an account number on it that does not match the account number of what is reporting. I have attached a settlement statement that shows that when we paid off the mortgage in XX/XX/XXXX we paid {$270.00}, XXXX and not {$230000.00}. I am also attaching an example of how the account reported inaccurately over the years and re-aged the account in order to extend the date of first delinquency. 
XXXX also did not respond to INVESTIGATION REQUEST : On XXXX XXXX, XXXX we certified a letter to XXXX through USPS and also faxed a letter requesting an investigation and requesting proof. ( see attached proof that shows the fax was received on XXXX XXXX and the certified letter on XXXX XXXX ) They acknowledged they received the request but did not provide any information. ( see attached ) I am a resident of Texas. According to Texas Finance Code, XXXX must provide information within 30 days. The deadline for XXXX to respond was XXXX XXXX, XXXX. 
By failing to respond to our investigation request within the allotted timeframe as is set forth by Texas Finance Code, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line.
Complaint sub-issue: Not given enough info to verify debt

I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.
Complaint sub-issue: Information belongs to someone else

I have fraudulent inquiries on my equifax report. I have asked several times for the inquiries to be removed and have submitted complain with ftc # XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

Important first note : Please note, that since Citibank closed my account, I will not be able to provide all accurate information, since I do not have access to my account. 

I have opened a checking account a few month ago, and wire transferred in 4 occasions a total of about {$23000.00} from my XXXX XXXX  personal and XXXX XXXX business account to Citibank. 
The reason was that I have been traveling and Citibank offered free international wire transfer. 
I was then initiated wire transfers from my Citibank account to a bank account in XXXX, XXXX where I have been traveling. 

Citibank first acknowledged my wire transfer ( s ) but just a few days later they closed my checking account without any notice whatsoever. 

I spent countless hours with customer service, verified my identity both via telephone, security questions, text messages, etc... Absolutely no help, no explanation, whatsoever. 

Several weeks later I received a mail saying that my account is in the process of closing, and at some time, if they find that it is my money, they will maybe send me a check. Again no explanation, or anything. 

This was almost three months ago, and Citibank is still unresponsive, sitting on my money, and I am totally helpless. 

I am a retired person, currently receiving unexpected, serious emergency medical treatment in XXXX, and I can not just let my money sit at Citibank. 

PLEASE HELP. 
Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX was placed on my credit file without consent when I had insurance at the time of billing.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XXXX XXXX XXXX XXXX PRADARORY ILLEGAL TATICS CONTACTING AT MY WORK PLACE THIS IS A GOVT PHONE NUMBER! AT MY WORKPLACE I SENT THEM A CEASE AND DESIST DO NOT CONTACT ME EVER AGAIN
Complaint sub-issue: Account status incorrect

There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet Equifax, XXXX, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Complaint sub-issue: Debt was result of identity theft

Received a credit alert of a XXXX closed account, Ive never had XXXX before.