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

My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.
Complaint sub-issue: Debt is not yours

I became aware of the debt when I received a message from the credit bureaus that I subscribe to, XXXX XXXX XXXX XXXX, showing a new derogatory item was placed on my report. I immediately reviewed for accuracy and confirmed this is not my debt. I sent a letter via certified USPS mail to Afni, Inc on XX/XX/2020. I have confirmation of delivery. 
To date I have not received a response as to an explanation of this debt that they claim I owe. 
Today I am mailing yet a second letter as a follow up to my first letter in the event I receive a response or a resolution.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX and XXXX of XXXX, I was a patient of XXXX  XXXX and XXXX. I had office visits and infusions both times. In XXXX two employees advised me via email and telephone that the Prolia Co-Pay program would pay the bill that was owed beyond what XXXX XXXX and I paid. In late XXXX of XXXX, I received a bill from aforementioned provider for {$1900.00}. I sent XXXX certified letters in XXXX and XXXX indicating that I was advised that the bill was satisfied. On XX/XX/XXXX a woman named XXXX called me at the billing managers direction responding to my certified mail and stated that I do not owe the bill. In XXXX, XXXX, I was contacted by mail and telephone that this had been referred to a collection agency and they were attempting to collect. I was not notified this was being referred to collection. On the contrary, I was told that I did not owe it. In fact, I discovered that they did not attempt to submit it to the co-pay program at all. My credit has been impeached and the providers practice will not provide me with a letter stating that the collection was in error. I paid this practice {$1500.00} for the bill that three employees said I did not owe. I was sending certified mail trying to determine status and they send it to collections. I now have a ding on my previously perfect credit report. I want it off there.
Complaint sub-issue: Account information incorrect

I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan
Complaint sub-issue: Information belongs to someone else

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of  15 U.S.C. 1681. Y ou are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX  , defines  XXXX  as,  1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 )  To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification as , Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s  ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  XXXX  hand knowledge of the alleged accoun t ( s ) and all that has ever transpired for the alleged account ( s ), un der oath and under the penalty of perjury. As I am sure that you are well aware, curren t Federal case law states that, Consumer Reporting A gencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law . I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.      XXXX   XXXX  #  XXXX  Unverified Account-No  XXXX   XXXX   XXXX  Bank #  XXXX  Unverified Account
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make any these charges or accounts. I ask that the items be deleted to correct my credit report immediately given the damage its already caused. I also reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, I'm currently in Remission so it is very crucial that i have this information corrected immediately. It is also very difficult trying to obtain a suitable financial lifestyle for myself as I've even been denied for simple checking accounts. Please delete the items as soon as possible. 


Thank in advance, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.
Complaint sub-issue: Attempted to collect wrong amount

I got a loan from XXXX XXXX  for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
Complaint sub-issue: Personal information incorrect

I sent a letter to all three bureaus XXXX, Equifax and XXXX  XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Complaint sub-issue: Other problem getting your report or credit score

I received a notice of rejection from XXXX XXXX on XXXX/XXXX/2020. I submitted for a freeze online and for my free consumer report that very same day. No luck or response, so I submitted again on XX/XX//2020. I also tried calling on XX/XX//2020 and they said they would contact me back in one business day. It is now XXXX/2020 and still no response or letter about my credit score or credit freeze. Please get them to freeze my credit score and send me my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to resolve this issue with this company for a year. No resolution. I did not authorize these inquiries. This company the only company that gives consumers a hard time. They need to be put out of business. They're hurting consumers credit.
Complaint sub-issue: Information belongs to someone else

XXXX  is reporting an account on my credit report that is not mine
Complaint sub-issue: Transaction was not authorized

Some time in XXXX-XXXX, Citibank opened a checking plus account without my authorization. The only authorized accounts I have with Citibank are checking and savings. In XX/XX/XXXX, I inadvertently wrote a check for an amount that was larger than my checking account balance. The check wasn't honored by the financial institution where the recipient of the check attempted to deposit it. I then immediately transferred an amount sufficient to cover the value of the check from my savings account to my checking account and wrote a new check. The new check was honored. Unbeknownst to me, Citibank activated the checking plus account, gave me a loan I didn't ask for and deducted interest payments form my checking account, all while having dishonored the original check. Upon learning of this in XX/XX/XXXX, I immediately paid off the " loan '' by transferring money from my savings account to the checking plus account and asked that Citibank refund the interest it has been charging. I also asked for a copy of the account opening agreement for the checking plus account. Citibank, citing the " research '' it conducted, refused to refund me my money. Citibank also failed to produce the account opening agreement, with no explanation.
Complaint sub-issue: Cashing a check

Im trying to link my bank account to a site because their giving XXXX money away to XXXX XXXX an its faster an pnc blocked the option
Complaint sub-issue: Information belongs to someone else

I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
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 confidentiality under XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
Complaint sub-issue: Can't decrease my monthly payments

I attended XXXX University in XXXX XXXX, MI. My first loans were through AES and while I have XXXX other private lenders and XXXX federal lender ( XXXX total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me XXXX of my XXXX accounts could be put on forbearance which would bring my bill to XXXX dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have called every week and each time I get a different answer. First it was wait a while longer until it goes through. Now it 's nothing was ever processed b/c you have no forbearance available. So obviously I was told wrong information at the beginning, have been run around in circles, and now I am 2 months late and they are hounding me every day. I have busted my back to work with them and figure this out and this is definitely not the first time I 've had issues with them. They are rude and give me the run around. They are by far the worst loan company I 've ever had the displeasure of working with. Thanks for any help you can offer.
Complaint sub-issue: Information belongs to someone else

not mine FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # A XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, RI XXXX APARTMENT COMPLEX XXXX POPPY XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, CT XXXX SINGLE FAMILY
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I had a XXXX charge that I tried to dispute so they cancel a card and sent me a new card and paperwork to dispute. I received the card and tried to activate and it wouldn't because they had froze my account. So they ask me to send my credentials which I did, and they said my Driver License was not acceptable, so I sent all information again every time they found another reason to steal my monies, this has been going on for over 2 months and multiple faxes to them and numerous conversation by phone. So every time I call they tell me I have to speak to a Supervisor and every time they hang up and it turns into I have to call back over and over again. All I want is my XXXX back I want the account close and a check mail to my resident which they have on file and my driver license info. This company needs to be investigated for fraud. I did every thing they ask of me and I still don't have my money. This is a dire situation I have rent food bills to pay and they rob me. now there telling me I have to send my w2 copies. I have sent my DL, birth certificate, social security. Why do they need my w2 ( which I don't have ) it sounds like they're trying to steal my Identity. What about the people that don't have the resources to know what to do. How many other customer have they done this to. This company has cripple me and left me with nothing, I lost everything over this
Complaint sub-issue: Problem during payment process

A government travel card was issued through CITIBANK by the US XXXX  to use during official government travel. I was unaware that any further payments were due and thought it was paid off until I received a bill in XX/XX/XXXX after a last payment was made in XXXX XXXX. The bill was for the entire amount of the card, since they were unwilling to do monthly installments or payments and had incurred late charges. After being locked out of the account and being stationed overseas, I was finally able to make a partial payment that was worked out with CITIBANK on XXXX XX/XX/XXXX for {$1300.00}. However, this was not processed and on the statement read returned CK PAYMENT even though it was paid via phone with a confirmation email provided. Since XXXX, I have been XXXX leaving my wife a POA for my finances that are not joint. I assumed that my wife was successful in making a full payment to pay the card off on XXXX XX/XX/XXXX since the account reads " success '', but nothing has been withdrawn from the checking account. My wife attempted to call the agency and representative XXXX ( # XXXX ) would not help her or accept my POA unless I could FAX the documents. Having no access to a fax machine I am left helpless since the internet is down on my XXXX  and unable to call in and complete this on my own. This company has been completely irrational with their payment demands and down right shady when consumers are attempting to make payments. There is no excuse for this lack of flexibility when working with military spouses especially when they are trying to solve problems for their XXXX spouses who have more important things to focus on.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX - XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX on XX/XX/2020 ( Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Account status incorrect

Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.
Complaint sub-issue: Information belongs to someone else

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX   XXXX
Complaint sub-issue: Account status incorrect

On XXXX I emailed XXXX XXXX, CEO XXXX XXXX, Operations Director ; XXXX XXXX, XXXX XXXX, President, XXXX XXXX XXXXs and XXXX XXXX, Chief Global Operations Offices informing them that my FCRA rights has been violated. I have requested on several occasions that Equifax investigate my credit report because they are incorrectly reporting that my account with XXXX XXXX is open and that I owe the creditor over {$60000.00}, which is not true. Each time I request an investigation Equifax sends me a response stating that my disputed item was verified. Also Equifax would not verify items I asked them to verify, for example I asked that they verify the " Status '' of the account they would verify and update the account " Status Date '' I've also repeatedly requested that they provide me with the method of verification, including the name and address of the contact person and I have never received the requested information. 

Shortly after I contacted XXXX XXXX, CEO I was contacted by a customer service rep from Equifax during our conversation she asked that I provide her with the name and contact information of the XXXX XXXX XXXX that helped me so that she can verify my account ; that statement from her seems to be clear evidence that Equifax has not investigated my account. I do not understand why I am being asked to provide your company with verification documentation? Especially after not being afforded the same courtesy after my several request.
Complaint sub-issue: Transaction was not authorized

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Checking or savings account Issue : Problem with a lender or other company charging your account The bank has not mailed me a check as promised since last week. The bank has shorted the amount to be refunded to me by {$45.00} and {$68.00}. These charges are bank issued charges for NSFs caused by unauthorized transactions. The promised money order for {$72.00} has not been received. The total amount to be refunded should be {$180.00} Please make a sincere effort to resolve this issue. 
Respectfully, XXXX XXXX and XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX  Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of Inquiry : XX/XX/202XXXX XXXX XXXX Date of Inquiry : XX/XX/202XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of Inquiry : XX/XX/2021