Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account opened as a result of fraud

Hello US BANK, i ; ve had some major fraud occur with you guys and my identity. There was a fraudulent account opened in my name and i only found out recently because something was sent to me in the mail stating i had a negative balance and a new debit card was sent to me as well. I NEVER OPENED AN ACCOUNT WITH US BANK, i called and told US Bank the same thing over the phone. i dont think i should be liable to pay back something i didnt do and ive also placed freezes on my credit and identity because i have no idea what other accounts have been opened under my name. 

Id like this account closed ASAP, its fraudulent.
Complaint sub-issue: Deposits and withdrawals

I deposited {$5800.00} into my checking account with a check from a company that I had made recent deposits from and the teller didn't tell me there would be a hold for 7 days on the funds. They told me this 24 hours later on a Saturday when the XXXX involved was not in the office. They would not give me a reason why the funds were held and left me with no explanation and a 7 day wait for my money which will cost me a late fee on my mortgage, overdraft fees etc..
Complaint sub-issue: Their investigation did not fix an error on your report

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Card was charged for something you did not purchase with the card

company refuses to permanently reverse reported fraud charges even though informed fraud accounts opened under name and identity theft report completed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at Citibank NA, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX  Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to help me.
Complaint sub-issue: Information belongs to someone else

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Debt was paid

XXXX XXXX continues to call me and report me to credit bureaus even though I have sent them documentation 3 times showing that my insurance paid for this debt. All three times, they have removed the debt from my credit report, just to put it back on 6 months later. Are they scammers? Is their system broken? I 've seen a lot of similar complaints on several websites, including the Better Business Bureau. <P/>This is the full explanation of what happened : On XXXX/XXXX/XXXX, I went to the emergency room, and left with a charge of {$620.00}, which my insurance took care of, and proceeded to send me the explanation of benefits ( EOB ) received and signed by the emergency room financial services. <P/>A year later, I began receiving bills from XXXX XXXX requesting that I pay for this debt. I told them the charge was paid for by my insurance company, and they requested proof of payment, so I proceeded to fax them the EOB my insurance company had given me ( see attached documents ). When they received the fax, XXXX XXXX proceeded to tell me that everything was fine. A month later, I saw a collections notice in my credit reports, so I called XXXX XXXX back and repeated the same process with faxing the documents, except this time I called XXXX and XXXX to dispute the debt as well, and they removed the collections notice from my credit reports. <P/>A year later, I saw the collections notice back on my report, and I repeated the process mentioned above, except this time I threatened XXXX XXXX to report them with the CFPB, the FTC and the BBB if it happened again. Needless to say, it happened again. Yesterday I saw their collections notice back on my credit report and I proceeded to report them because what they are doing is not right. I sincerely hope this has to do with an error in their system and not with dishonest business practices on their part.
Complaint sub-issue: Received bad information about your loan

MOHELA will not correct my payment count on PSLF loan forgiveness. I tried to download information but the document was too large so I am sending it to you in the mail.
Complaint sub-issue: Add-on products and services

A few months ago, I realized that Citi was charging me for {$67.00} per month for a " XXXX  Program '' that I never signed up for. After research, I realized that this has been a litigated matter in the past. I am positive that I have not signed up for this. I have requested a refund with them but they declined ( please see attached ). 

I have requested statements from Citi to assess the full amount that was wrongly charged to me and am currently awaiting them. However, Citi charged that I signed up for this on XXXXXX/XX/2010 ( see attached ), which, as of this date, is 139 weeks ago. Assuming that I have been paying XXXX dollars for this duration, the amount that was wrongfully charged totals over XXXX dollars.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Complaint sub-issue: Information belongs to someone else

I am a victim of the 2017 Equifax data breach. My information was compromised and accounts were opened in my name that are not mine.
Complaint sub-issue: Trouble with how payments are being handled

I am trying to find out what my payment will be in XXXX when student loans go into repayment. On XX/XX/XXXX I checked my account and could not find this information so I sent an email to my loan servicer asking how much my payment would be. Fedloan Servicing sent a confirmation email that they received my email, however, I did not receive a response to my question. 

On XX/XX/XXXX I called my loan servicer to ask what my payment would be. I stayed on the phone for approximately XXXX minutes and no customer service representative took my call. I selected the option to receive a call back. They never called me back. 

I have now sent an additional email on XX/XX/XXXX again asking for what my payment will be in XX/XX/XXXX. Again Fedloan Servicing sent an email confirming the receipt of my email, but still not response.
Complaint sub-issue: Information is incorrect

On Equifax XXXX they have a address that I once lived at my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I have never ever live there. Can someone help to get that removed from my credit reports?
Complaint sub-issue: Debt was result of identity theft

I dont owe anything to those Companies or medical bill how they collect a medical bill from me without getting any medical service or given any permission to release any info about my medical or any bill
Complaint sub-issue: Debt was paid

This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
Complaint sub-issue: Information belongs to someone else

My information was part of a data breach as well as I have had my identity stolen.
Complaint sub-issue: Trouble with how payments are being handled

I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.
Complaint sub-issue: Account information incorrect

I have tried several times to submit a dispute with Equifax via their website. The dispute page refuses to load. I have even called them for assistance. An account is showing up on my report that doesnt belong to me. I was an authorized user at one time. I do believe the account has been closed or the account number changed. Ive been trying to have this removed since 2021
Complaint sub-issue: Was not notified of investigation status or results

I sent you letter XXXX requesting an an investigation into any unusual items on my credit report. I have not received a letter from you, nor have I received any evidence that an investigation has begun. Section XXXX XXXX a ) clearly state a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days over so they should be deleted promptly.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I physically mailed a check for {$5000.00} to my Private Student Loan Provider Firstmark Services. I have done this before and have had no issues. On XX/XX/XXXX, I checked my bank account and see that I have {$10000.00} less in my bank account instead of just {$5000.00} less. I look into it and come to find out that Firstmark cashed my check twice somehow. This can be seen on their payment history as well as on my bank account. On their payment history, the check is cashed twice on XX/XX/XXXX. On my bank account, the check is cashed on XX/XX/XXXX and XX/XX/XXXX. I first call Firstmark Services on XX/XX/XXXX to alert them to the issue. They tell me to send them proof on my bank account that I was double charged, so I do. They immediately fix the issue on their end, so the screenshot of the double charge on my payment history says it is reversed. On XX/XX/XXXX I received an email reply from them basically saying they received my email and they reviewed my account. That being said, as of XX/XX/XXXX I still have yet to be refunded the {$5000.00} that they double charged me for. I have called Firstmark Services a total of 5 times ( a total of XXXX minutes ) since I noticed the mistake : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I call, I am told that it should be fixed in the next few days. Therefore, that is why I have now called them a total of 5 times. They can not seem to explain to me what the hold-up is and when I shall be issued my refund. They can not even tell me the check number that has been issued because they have yet to write a check to refund me. It has now been a month since I've been double charged without a viable explanation of what is going on. I have also been told multiple times that someone will call me back with more information, but that has yet to happen. On XX/XX/XXXX, I reached out to my bank XXXX XXXX XXXX and they said they would also contact Firstmark Services. I have yet to hear what has come from XXXX XXXX XXXX reaching out to Firstmark Services. 

Regarding attachments below : I have attached the email I sent Firstmark Services and their response. I attached the original screenshot I sent Firstmark Services of the same check being charged twice. I have attached a screenshot of my payment history at Firstmark Services showing the double charge and the charge on their end being reversed. I have attached my bank account statements for XXXX and XX/XX/XXXX to show the double charge and lack of a refund. I have also attached a picture of my check receipt and my call history to Firstmark Services.
Complaint sub-issue: Information belongs to someone else

I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.
Complaint sub-issue: Used obscene, profane, or other abusive language

I got a letter from I.Q Data saying I could settle for a percentage of my balance. I gave them a call and we came to an agreement. I paid {$100.00} the associate told me I would have an receipt within the hour no receipt was ever sent to me then they claimed they dont send receipts. I asked for a letter stating our agreement and that the collection would be removed from my credit they assured me that it would be removed after full patent but didnt want to send me anything in written. I have called multiple times and talked to different people, all the associates were rude and disrespectful. I have started to record my conversations with them to cover myself.
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX****, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/XXXX XXXX***,
Complaint sub-issue: Didn't receive terms that were advertised

I received mail from Citi Bank on limited time offer on opening a checking account with an enticing promotion, I went to the link ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and spent time to fill out the form. The immediate response was that my application was denied. No reason given. 

This makes realize that this is but a trick Citi Bank use to collect consumer information to whatever purpose later on.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Their is a US Bankruptcy XXXX XXXX XXXX on my credit file. In XXXX of 2022, I asked Equifax to do a reasonable investigation. EquiFax did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked EquiFax to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. EquiFax receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. EquiFax verifies its information with XXXX. Both, Equifax and XXXX admit to working in conjunction with each other. This why EquiFax didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( XXXX Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the XXXX XXXX XXXX  of XXXX proving Equifax has been violating my rights as a consumer. I have a letter from EquiFax stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from EquiFax not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from XXXX proving they provide Equifax with information as a third party vendor for bankruptcies. 

Inconclusion EquiFax did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXXXXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.