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

Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.
Complaint sub-issue: Account status incorrect

My student loans are reported as delinquent in XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed this account listed below. 
XXXX XXXX XXXX XXXX  XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Investigation took too long

My complaint is with Equifax. I contacted them in XXXX because I applied for a car loan. My bank told me that my credit report could not be pulled up from Equifax, but they are able to pull my report from XXXX and XXXX. I was told that another person 's record was linked to mine- in order to correct this I was told to submit via fax- a photocopy of my IDs and my social security card. I did. 3 times. I even wrote a letter stating that it was my 3rd time submitting my information. Some time later I call to verify if that items were received -- it was but Equifax could still not pull my report. I was told to contact my bank to ensure that they were reporting my line of credit to Equifax. They have been. I was told that Equifax would correct the issue and it would take a month. I called to check if my record was fixed a few days ago and I was told to contact the XXXX. They were closed. I called yesterday and Equifax never received any of the documents that I had faxed back in XX/XX/2016. I was told to resubmit all the info again! I will be leaving for XXXX and this issue still has not been corrected!
Complaint sub-issue: Debt was result of identity theft

yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX Equifax and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Complaint sub-issue: Account status incorrect

XXXX  IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!
Complaint sub-issue: Information belongs to someone else

I have tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX  to remove this account that does not belong to me.
Complaint sub-issue: Problem with statement of dispute

On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Debt is not yours

They are charging me a amount I dont owe. I want to discuss this.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under

15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my repor
ts. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Complaint sub-issue: Debt is not mine

Collection agency reported a debt that I do not owe to the credit bureau which caused me a loan denial because of false information added to my credit file.
Complaint sub-issue: Debt is not mine

On XXXX/XXXX/2016 I received the following series of emails from a company called TruAccord who was initially collecting on a debt for XXXX XXXX which is me but they later acknowledge my cease & desist request calling my XXXX ( my ex-husband ) and continued to try and collect from, this company has no idea who owns the debt is trying to collect from one of us but neither of us owe it : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX Unsubscribe XXXX XXXX ( 2 days ago ) to me This is an important message for XXXX XXXX. If you are not them, please disregard and delete it. 

XXXX XXXX XXXX XXXX ( owner of your XXXX XXXX balance ) feels like you 're taking advantage of them, and they 're kind of right. Let 's just take care of this balance now and be done with it. It 's not like we 're going to give up on this. 

Can you pay now? 

Thanks. '' I responded with a Cease & Desist order on XXXX/XXXX/2016 as follows : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Well let 's see if you can handle this! 

This is your official notice to cease & desist immediately. If you continue to harass me for money I do not owe, I will contact my attorney. DO NOT CONTACT ME VIA EMAIL, MAIL OR PHONE AGAIN! IF YOU DO, YOU WILL BE IN DIRECT VIOLATION OF FDCPA LAWS & I WILL SEE YOU IN COURT! 

THIS EMAIL REQUIRES YOU TO IMMEDIATELY CEASE & DESIST ALL CONTACT WITH XXXX XXXX! FAILURE TO COMPLY WILL RESULT IN A COMPLAINT BEING FILED WITH THE FTC. ALL EVIDENCE WILL BE SUBMITTED WITH THE COMPLAINT. IN ADDITION, CONTINUED CONTACT MAY ALSO RESULT IN A CIVIL LAWSUIT BEING AGAINST THE INDIVIDUAL COLLECTOR, YOUR COMPANY AND ANYONE INVOLVED IN YOUR ATTEMPTS TO COLLECT THIS FRAUDULENT DEBT. 

I hope I 'm making myself clear! 

Good day! '' TrueAccord then acknowledged my cease & desist request but replied to XXXX ( my ex-husband ) after stating this was my debt in the 1st email and continued to try and collect this debt from me in the email received below on XXXX/XXXX/2016 : " TrueAccord Support XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 5 hours ago ) to me Dear XXXX, We have processed your request and will no longer contact you. 

We can stop communicating with you about this debt, but you are in a debt collection process with XXXX and we are the collectors. We strive to do our best to help people in debt, and we can help you too. 

Getting us to stop communication does n't invalidate the debt. It does n't stop interest where applicable and it may affect your future financial standing. 

We retain the right to employ future collection efforts as needed, but we prefer working with you directly. 

Best Regards, XXXX XXXX. 

TrueAccord Engagement Team XXXX XXXX XXXX XXXX , CA XXXX Call us : XXXX Email us : XXXXXXXXXXXX Please note the important mandatory notices conveyed in our former communication. TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. ''
Complaint sub-issue: Keep getting calls about your loan

Sallie Mae calls the XXXX cosigner more than 10x per day. The calls begin at XXXX XXXX  and continue every 30 minutes- 1 hour. They are harassing the cosigner. 

STOP CONTACTING COSIGNER!!!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Please review the following This loan is currently inaccessible. 
This is what I get when I try to register to see information concerning my loan.

Fay Servicing brought my loan from XXXX XXXX. I was in a chapter XXXX bankruptcy when it was sold. I have never had access to my loan information. They are still considering my loan in chapter XXXX when I have sent them the discharge papers. Fay servicing say they do not honor that because it do not say termination. I have spoken with the person in charge of my loan but she said she had to take it up with her supervisor, this was 6 weeks ago. My bankruptcy was discharged in XXXX/XXXX/2017. 
Fay Servicing also tried to foreclose while in chapter XXXX without any assistance. 
Something needs to be done about this company.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Complaint sub-issue: Debt is not yours

Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Their investigation did not fix an error on your report

Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX Equifax and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Complaint sub-issue: Frequent or repeated calls

Jefferson Capital called me today I told the woman that I couldnt speak to her at the moment because I was helping my daughter with homework for school she calls my mothers home phone 5 mins later I told her not to call that number because it wasnt my phone she began to become very rude and told me She can call all she wants until I spoke to her I said legally she couldnt because we were on a recorded line and I asked her not to call Ive also asked for the debt in writhing which I never received
Complaint sub-issue: Information belongs to someone else

I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Funds not received from closed account

Back in XX/XX/2022 Pnc bank contacted me to tell me there were closing my account and it would be closed by XXXX XXXX and that I would be receiving a check with my balance. I have called multiple times to get answers on why they havent closed it. I have over XXXX sitting and its been over 4 months since they held my funds and wont close the account after they said they would. It is a crazy time with Covid why would you be holding my money for so long. I have spoke to multiple ppl only for them to say they will escalate it and the escalation person doesnt give me answers either. I need my money. Now.
Complaint sub-issue: Billing problem

Then problems that I have with this bank is their inefficiency to fix this horrible website. I have written them I have called them, I have complained at least 20 times about the problems getting into their website. Nothing works, passwords do not work, security questions they ask to be answered are not questions you ask to be answered. Then they give you 2 times to make a mistake and if you do not get it right, they suspend you. They throw you out of the site. This has been going on for more than 2 years. I deal with over 10 other banks and large corp, PNC Bank is the worse company I have ever dealt with and, they know who I am with my many complaints. Will they correct it? No, they will not correct it. I have asked them many times, Is the head of your IT dept a relative of the CEO? Why can you not get this right? It is a problem signing into their sight every month and nobody does anything about it. It is easier to sign into the Treasury dept of the United States than this bank.
Complaint sub-issue: Account information incorrect

These loans were paid in full in 2019. I have emails from Sallie Mae that show my balance as {$0.00} for each loan. When I disputed their reporting that my accounts were still open and that I still owed a balance, I provided the said emails.
Complaint sub-issue: Was not notified of investigation status or results

I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.
Complaint sub-issue: Problem with balance transfer

I called in beginning of XXXX and I did a balance transfer in the amount of XXXX to XXXX card services and it went through and approved and got a letter in the mail on XX/XX/XXXX and saying the balance Transfer is processed and it had a wrong zip code on that letter and I was told that I wont be able to resubmit a balance transfer for 30 days and I was have trouble paying my bills this month due to the error on the bank end and the bank dont want to apologize or cancel the balance transfer
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX, I tried to purchase some souvenir in XXXX from XXXX XXXX ( the vendor ). After swiping my card and taking my signature, the vendor demanded copy of my passport and my social security number before he would hand over the souvenir to me. This appeared a scam and I refused to share this information. I walked out and the vendor did not give me any product. When I saw the charges on my credit card, I disputed it with Citibank, clearly telling Citibank that I did not get any product from this vendor. In their response to my dispute, the vendor admitted that they did not give me any products. 

This was an attempt to extort money from me in a foreign country and despite of knowing all the facts : - Vendor asked for illegal information ( copy of passport and social security ) - I did not receive any products from vendor Citibank is asking me to pay for this charge. Citibank 's fraud department told me that Citibank customer service should simply waive this charge as I never received any goods or services. 

The card used for this transaction has expired since then and Citibank has issued me a new card with a different number that I have provided as part of this complaint.
Complaint sub-issue: Account status incorrect

I have accounts opened with 3 companies that I need to be verified. 

I have an account with XXXX XXXX showing that I owe the amount of {$750.00}. My credit report shows that I opened this account on XX/XX/XXXX. 

I have an account with XXXX XXXX that was assigned on XX/XX/XXXX from a cable/cellular company showing that I owe the amount of {$220.00}. 

I also have an account with XXXX, XXXX that was assigned on XX/XX/XXXX from a cable or cellular company showing that I owe the amount of {$1200.00}. 

I will need written contracts with my signature from these companies showing that I agreed to pay them these amounts.