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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

Once again this pig of a bank decided to change their website without warning and are now preventing me from logging in. I went to log into my accounts today the EXACT SAME WAY I have always logged in and their useless website takes me to a page to activate my card. I don't have any card that needs activating. I called their useless, untrained outsourced customer lack of service and they kept asking me about an ATM card or debit card I do not have, have never had, and have ZERO need for. I tried entering my credit card info on the website and it told me it activated and then brought me back to the same screen asking me to activate my card. I have no way of accessing my XXXX accounts, credit card or Savings. Their customer service kept me on hold for an hour, but was otherwise useless. This bank is disgusting and pathetic. They continue to make ridiculous unexplained changes to their website without notifying the customers and prevent us from access or using our account due to their incompetence
Complaint sub-issue: Information belongs to someone else

There are some accounts on my credit report that do not belong to me. Please remove them. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1400.00} Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Past Due : {$1400.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This is a violation of the FCRA and is also in violation requisite XXXX XXXXCompliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Complaint sub-issue: Old information reappears or never goes away

I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.
Complaint sub-issue: Reporting company used your report improperly

I have numerous XXXX XXXX accounts reporting on my consumer report. These accounts are hurting my credit score and are not equitable to me as a consumer. I need them deleted from credit file immediately as I have not granted credit reporting agencies consent to furnish these accounts on my report. As a consumer have a right to privacy pursuant to the Fair Credit Reporting act 15 U.S.C 1681b : any consumer reporting agency may furnish a report under the following circumstances and no other. 

1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

2. In accordance with the written instruction of the consumer to whom it relates.

I the consumer have not given any written instruction to any consumer reporting agency to furnish a report. Especially one that is not equitable to me. Therefore the items attached to this complaint need to be removed from my consumer report immediately.
Complaint sub-issue: Received bad information about your loan

I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX XXXX  found in XXXX  v. XXXX XXXX   which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
Complaint sub-issue: Information belongs to someone else

On about XXXX, 2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.
Complaint sub-issue: Account information incorrect

I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Complaint sub-issue: Information belongs to someone else

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please Remove all this account of all 3 credit reporting agencies 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Complaint sub-issue: Debt was result of identity theft

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE FRAUDULENT INQURIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED IMMEDIATELY, THANKS.
Complaint sub-issue: Collected or attempted to collect exempt funds

I received an earnings withholding order from XXXX XXXX XXXX regarding a debt that I apparently owed from a company UHG I LLC from my employer XX/XX/2025. I contacted XXXX, the same day to inquire about this issue and to try and stop the garnishment. I was advised that UHG was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from UHG nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now XXXX will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.
Complaint sub-issue: Didn't receive services that were advertised

Submitted all required documentation to Equifax in order to place a freeze on my minor children 's credit files pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, on XX/XX/2018, the documents submitted included : 1 A copy of the minor partys birth certificate showing proof of parentage 2 - A copy of the minor partys social security card which provides sufficient proof of identification 3 A copy of my valid Drivers License which provides sufficient proof of identification 4 A copy of a valid utility bill verifying residence address. 
5 Completed Equifax Minor Freeze Request Form I contacted equifax and they verbally explained that the files were frozen ; however I never received written confirmation with their identification pin numbers. I have spoken with them numerous times only to be disconnected and even told that they arent allowed to place freezes on files for minor children
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022 I deposited a mobile check with Bank of the west it cleared on XX/XX/XXXX. My account was closed on XX/XX/XXXX by Bank of the west and my deposit was kept and nit returned. I have tried calling the check issuer unfortunately Bank of the west has not been able to find this transaction in there system.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with XXXX 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

XXXX credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.
Complaint sub-issue: Billing problem

I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.
Complaint sub-issue: Information belongs to someone else

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX {$0.00} Someone stole my identity.
Complaint sub-issue: Didn't receive advertised or promotional terms

I took advantage of a promo offer from Shop Your Way Citi Credit Card that was between XX/XX/19 XXXX for 10 % off Online purchases. I made 4 purchases on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They have gave me credit for 3 of the purchases and the one in question that I have not received credit for is the one on XX/XX/XXXX for {$380.00} for XXXX, which I made online. Citi is claiming that it was a phone order but I have the receipt where I ordered it online. Citi said since XXXX reported it as a phone order that they refuse to give me credit for this purchase. I had made a call on XX/XX/XXXX and talked to a manager and they said they would issue me credit for this purchase on XX/XX/XXXX. I called today and now they are saying its XXXX 's problem. I think I did want the promotion offer specified and are due {$38.00} for the XXXX purchase online. I have no control how they report the charge to Citi, either online or phone order. But it was purchased online. Any help you could give me in this matter would be appreciated. I have enclosed a copy of the order that clearly shows it was from XXXX
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX  as well as the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Complaint sub-issue: Sent card you never applied for

I received a Visa cash card in the mail on XXXX. I never requested this card. I do not use square or the cash app. The envelope it came in is addressed to me but the address is not correct. Top right corner of the card has $ XXXX which is unfamiliar to me and has my name on the back of the card. No contact info came with the card to call for customer assistance. XXXX company, unable to reach anyone via phone. Instructed to access app for assistance but I do not have an account nor wish to open one. Of course I am not activating this card but want to make sure my credit and identity is not compromised with this card.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Problem making or receiving payments

My identity was stolen on XX/XX/2021 and the someone used my debit card and took out {$1000.00} dollars on XX/XX/2021. When I noticed this was a fraud transaction which I never authorized I immediately contacted my bank and had to report all fraud transactions including this one from Money Lion. I have also contacted Money Lion and filed for a dispute and explained my situation and informed my checking account had to be shut down and close for both checking and saving account and debit card since all my personal information was stolen. I have filed a police report and reported my case to FTC as well. 
I have contacted every week for a status on my dispute to Money Lion over the last two months but they still have not resolved anything and never return my money of {$1000.00} as of today. I was informed they have attempted for the reversal on XXXX XXXX but nothing was received at my bank and there was not records of the funds receipt due to my bank account already had closed on XXXX XXXX. This was verified and confirmed with a bank representative to money lion over the phone already and still nothing has been received and no one has contacted in regards to this matter and I have been trying to contact the supervisor but they kept me on hold for an hour each time I had called. 
Now I have been patiently waiting for the last two months and I am getting sick and tired and frustrated this has not been settled. Please help me resolve this urgent and extremely important matter as soon as possible. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.