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

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX 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 XXXXXXXX
Complaint sub-issue: Company closed your account

BBT BUSINESS CHECKING ACCOUNT NUMBER XXXX XXXX XXXX My account was charged off.I made a deposit of {$200.00} to clear up the overdraft.They owe me credits in the amount of $ XXXX.Which is still under review.Due to me filing a fraud claim.They overlooked my claim and closed out my account.On XX/XX/2018 There was a positive balance of {$120.00} in my account.My storage cost was $ XXXX.So I paid my storage cost.XXXX XXXX went into my account and took $ XXXX.When they only should have taken $ XXXX.Whichj cause my account to overdrawn.I had a positive balance of XXXX. {$90.00} should have been deducted from my account.Which should have left with a positive balance of about $ XXXX.Which would have covered the 3 XXXX fees.But Due to XXXX XXXX taken more then they were to suppose to take.It cause my account to be overdrawn.I have failed an 2-3 fraud claim about this matter.Nothing has been done about the {$240.00} as of today.Its still under review.I don't know why they close out my account.When they knew it was a fraud claim on the account being reviewed.I want CFPB and BBT to investigate this serious important matter concerning my account.Which is now charged off.

I am a XXXX XXXX.I know my rights and I may file a civil suit in Federal court in my city.The law suit depends on the outcome of this investigation and serious important matter.

My account should not been charged off.Due to a fraud claim being reviewed on my account.A fraud claim was filed.BBT is obligated to analyze and investigate this serious important matter.So why was my account charged of.

They also charged me a bogus charge off fee of {$30.00}.

Again I am a XXXX XXXX. I may file a lawsuit in Federal court.This is a violation of Fair Debt Practices Act.I want to reopen up an account and reestablish my good history with the bank.I was reported to XXXX XXXXWhich is a FDPA VIOLATION.

Here is my Fraud Claim # XXXX  ... .There is one claim still open. This is a legal bidding record of my claim and they are legal obligated to investigate and credit my account.

They should have enough heart to allow me to open up an new account for my businesses.Again my account should not have been charged off.

Left credited my account $ XXXX.Due to then charging my account $ XXXX.BBT owes me a {$36.00} credit. for the NSF Fee that was changed to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.
Complaint sub-issue: Trouble using the card to pay a bill

I have a us bank reliacard that my child support is deposited on. I had not used the card for some time to save up XXXX knowing my daughter was having XXXX onXX/XX/XXXX and i would have to pay the copay. I went to use the car at the hospital and it was declined. I went to a us bank location and it was declined there too. I called customer service at approximately XXXX XXXX and was notified the card was deactivated due to a unotherized deposit that doesnt match a withdrawal. After going through several managers i was told i needed to contact the the company making the deposit and cancel it. I called the company and they can not remove it as its been processed buy reliacard. I asked for the date of original purchace and it was a deposit of XXXX i paid for home security onXX/XX/XXXX. They held the deposit through my contract of XX/XX/XXXX. I then called reliacard customer service back and notified them of the dates and was told they dont keep records that long and XXXX would have to fax them all the info they have. XXXX does not fax but the could email how ever reliacard refuses to give me a email stating it can only be faxed. Besides that XXXX returned the payment with my card # that had expired in XX/XX/XXXXbut reliacard deactivated my current card that has a completely diffrent # and refuses to reactvate untill XXXX faxes them the paperwork. The management has refused to return my calls and actually had one manager lady tell me there is nothing i can do this is a goverment agency and my account is being investigated by their federal investigation department for money laundering. I am a XXXX XXXX with limited funds and rely on this money and in this circumstance for a childs XXXX. I have found hundreds of  complaints about Us bank reliacard for these exact circumstances. I have asked numerous customer service representatives, managers and supervisors for the number and name of this federal investigation agency but they all have refused telling me the dont have a name or phone number. There is something going on with this company that may not be legal and is certainly unethical. Ultimately they have deactivated my current card due to accepting a return of a deposit being returned with a card that expired nearly a year ago without notification. I dont know how im going to get the money back as us bank reliacard is unreasonable with their demands and telling me its my problem not theirs.
Complaint sub-issue: Information belongs to someone else

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX mere confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. They were also ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XXXX of XXXX, 2020. 

I also sent out a request for proof of verification of the unverified accounts on the XXXX of XXXX, 2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Complaint sub-issue: Information belongs to someone else

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 
Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Account information incorrect

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit. 

Account Number for Bureaus : XXXX
Complaint sub-issue: Debt was paid

I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report
Complaint sub-issue: Debt is not yours

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Complaint sub-issue: Problem with customer service

My student loan payment is due today ( XX/XX/19 ) however both the website and phone number are down for scheduled maintenance making it impossible to make my student loan payment. I have tried emailing, XXXXXXXX XXXX, and calling and have gotten no reply.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.
Complaint sub-issue: Other problem

On XX/XX/XXXX an account was opened and I was approved for {$1000.00} credit limit. XX/XX/XXXX I demanded a cease and desist following a letter to verify who the original creditor is. Discover defaulted on both letters by failing to respond. I also sent an affidavit of truth, invoice with violations of my consumer rights and Discover also failed to respond to those in a timely manner. 15 U.S.C. 1681b ( 2 ) states consumer reporting agencies shall not report any information unless the consumer gives written consent to do so. I did not give consent to put anything negative or positive on my consumer report. They also violated me by designing a form knowing that it will be used to create false belief that a consumer owes a debt and that is a violation of 15 U.S.C. 1692j ( a ) and 15 U.S.C. 1692b ( 2 ). I am a consumer and the original creditor.
Complaint sub-issue: Received bad information about your loan

I have Nelnet loans and I applied for recertification. I was on Income-Driven Repayment and my specified payment was until XX/XX/XXXX. Prior to recertifying I explicitly asked if I changed the repayment plan would my current plan still carry out in full and then the next plan would take effect in the following month. I was ensured it would not interfere with my current plan. I reapplied on XX/XX/XXXX well ahead of the recertification due date of XXXX. When the new repayment option the due date moved up to XX/XX/XXXX. When I spoke to Nelnet they told me that the IDR I was on was terminated and immediately they put me on the new plan. Being that those payments would be higher I asked if they can void the new status and restore my former due date and they said they can't. Being that my income increase, they explain even if they gave me IDR it would reapply it from the current date and my payments would be higher than my prior IDR and the plan I chose.
Complaint sub-issue: Information is missing that should be on the report

I have made many attempts to remove this incorrect reporting XXXX XXXX XXXX XXXX. This account is reporting either in error or as a result of identity theft. The child Support that had is with Georgia and its balance is reflecting {$11000.00}. 
Incorrect Creditor : XXXX Incorrect Balance : {$33000.00} Incorrect Monthly Payments are showing {$11.00} Correct Creditor : XXXX XXXX XXXX Correct Balance : {$11000.00} Correct Monthly Payments : {$120.00}
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I paid {$1800.00} to Procollect Inc to settle an unpaid debt. On XX/XX/XXXX they still reported to the credit bureaus that this balance was unpaid. Which is FALSE AND INACCURATE I FORMATION that should NOT be reported because it was PAID IN FULL XX/XX/XXXX! They sent me a paid in full letter XX/XX/XXXX and told me they would update my file to the credit bureaus which was a LIE!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax states it uses XXXX as a third party vendor. My XXXX report has been on freeze for a long time and Equifax is not able to Verify a bankruptcy from them. Equifax state clearly on my reinvestigation that they verified my second request with XXXX. This is completely untrue and they must Delete the Bankruptcy. I had the same issue with XXXX and they simply deleted the Bankruptcy. I also have a letter from the court house stating that no information is ever shared with Third party Vendors. Equifax is lying that the investigation was ever done and they must delete this from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a ID theft report ref XXXX AND the information required as laid out in the FCRA. Then, Equifax decides to tell me that I need to reach out to the furnishers myself and completely ignore what their requirements are. Then, I submit another complaint and their response is to provide MORE information when I clearly REFERENCED the complaint that outlined the information they needed. Ref XXXX for their latest response. At this point, they are playing games.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, feels like my federally protected consumer rights are being violated. The company 's listed assured me that they do not follow the FCRA via telephone communication.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXXXXXX XXXX Balance : {$49.00}
Complaint sub-issue: Information belongs to someone else

I was going through my Equifax credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " XXXX '' as the name of the institution and " XXXX XXXX XXXX XXXX '' next to the description. After researching I found out that XXXX stands for XXXX of XXXX XXXX. The credit reporting website said to contact the creditor ( XXXX ) to dispute the inquiry. I contacted XXXX and they said that they could not help, that I had to contact Equifax directly for them to remove it from my account. I then contacted Equifax and told them what XXXX told me and they said that they are only a reporting agency and that the process must be initiated by XXXX. XXXX still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.
Complaint sub-issue: Debt is not mine

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Complaint sub-issue: Account status incorrect

Nothing has been done to remove this off my credit it no longer valid
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report inaccurate unverified charge off on my credit report from XXXX XXXX and XXXX XXXX. I requested through certified letters their METHOD of verification names and phone numbers of individuals reporting the negative data on XXXX XX/XX/2018 and Equifax still has not responded to my request but continue to report the inaccurate unverified charge offs. Equifax had to correct MIXED items on my file in the past would you please assist me with this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found XXXX hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXXXXXX Discover XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and discover, they can not find the inquires and no XXXX will answer at XXXX XXXX XXXX XXXX  XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information,