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

Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXXL XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, XXXX XXXX, and Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Equifax for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX  XXXX XXXX XXXXXXXX, XXXX  XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I had to get a loan while in school, the only option I had was a personal student loan and a co signer. I went through AES. I borrowed XXXX and I have been paying on this loan for around 15 years. I still owe XXXX I have tried to put this loan with another lender to help get it paid off and no one will take it. I have paid XXXX on this loan. I have asked to be on a forgiveness plan and it is not available. I am sick over this. I feel like this company is taking advantage of me and I am a single mom with XXXX kids. I just want to get rid of this loan I am not sure what else to do. I would love to have all the extra money I paid back to help pay my current bills. I really need some help here.
Complaint sub-issue: Attempted to collect wrong amount

Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.
Complaint sub-issue: Investigation took more than 30 days

I want to contact someone at your company to let you know that I mailed a letter to XXXX XXXX XXXX, XXXX, XXXX, and Lexis Nexis about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm filing this CFPB complaint so that I may monitor the Credit Bureaus ' response after the 30-day investigation period. I discovered that the previously challenged Accounts are reporting with wrong and lacking information as I revived my credit file. Send me notification that the disputed items have been updated or removed after conducting another investigation into the following data. I formally request the following accounts be updated or removed from my credit profile because they seem to be somewhat misleading and inaccurate. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. 

XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a hard credit inquiry made on my XXXX  credit report by " Greensky  Installment '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. XXXX  is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account XXXX & XXXX # 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
Complaint sub-issue: Problem with fees

I opened a Home Depot Credit Card thru Citi Bank inXX/XX/XXXX. I have only used this card once for a {$32.00} purchase. I had never received a statement or email about the account balance but did go on line in XX/XX/XXXXand pay the full amount due off. At the time I believed the payment had been made and I had a XXXX balance on the account. It seems that they had never collected the payment which I did not realize. I never received a statement from them and in XX/XX/XXXX I received an email saying the payment had never been made and that I now had a balance of {$130.00}. which included interest and late fees of 3 times the original purchase. I immediately called Citi Bank to discuss this issue and was treated very badly by several of their representatives. I was also asked if I would like them to take the money owed from my checking account that they already had that information in their records. Which proves that I did make the payment in XX/XX/XXXX or they would not have had that information. It was not my fault that they did not collect the money from my account. After discussing this they finally did remove one late fee and I made a payment of {$53.00} to bring the account current leaving what should have been a balance on the account of around {$42.00}. I received a statement finally in XX/XX/XXXX and they had added another late fee ( even thou we had discussed the amount owned and I had paid what they requested ) to the account bring the total owed of {$80.00}. I feel that I have been over charged in fees I have paid the original purchase off and now am being charged late fees on late fees. This seems to be a rip off in my opinion and Citi Bank is over charging consumers and has unfair billing practices. I will pay the {$42.00} on top of the payment I already made of {$53.00} because I can not prove that the payment was not originally made but am very upset over the additional XX/XX/XXXX late fee charge. In total I will have paid {$95.00} for a small charge of {$32.00} and will still owe an additional late fee of {$35.00}. Which I am sure next month I will receive another {$35.00} fee on top of that late fee charge. This has also affected my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.
Complaint sub-issue: Their investigation did not fix an error on your report

Prior CFPB Complaint # : XXXX Equifax Information Services Inc Responded on XX/XX/XXXX that the accounts weren't showing on my credit report yet that is false. This company is in violation of federal law and is civilly liable to me under 15 USC 1640. 
I have attached the credit report as of XX/XX/XXXX and documentation mailed USPS Certified Mail and Faxed to XXXX ( Copy of SSN CARD and of Utility Bill ) on XX/XX/XXXX Please see attached documents.
Complaint sub-issue: Investigation took more than 30 days

Credit bureau is in direct violation of XXXX XXXX compliance, FCRA and FDCPA.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and XXXX and Equifax they have not taken care of the issue even after I submitted the notice I received back in 2016 on my student loan forbearance. From XXXX 2016 until XXXX  2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both XXXX and Equifax. Credit report still shows no update to this problem.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 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: Deposits and withdrawals

I have a problem with PNC everytime i make a huge purchase that's around XXXX dollars on electronic goods PNC always blocks my card and everytime i call it gets very annoying that i have to approve the purchase to make it go though even though I HAVE THE CARD IN MY POSSESSION
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. 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. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$2900.00}
Complaint sub-issue: Debt was result of identity theft

I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX   refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, XXXX  of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has been attempting to collect a debt, for which I claim no liability associated, regarding an account from XXXX XXXX where the last payment made was before XX/XX/XXXX. Official correspondence from XXXX XXXX shows that the number I had held previously with them was likely sold to another customer based on a collection attempt from XX/XX/XXXX. The final collection attempt from XXXX XXXX was on XX/XX/XXXX. 

My most recent credit reports show that Jefferson Capital has reported the start date of the debt as XX/XX/XXXX which is incorrect. 

Based on the Arizona statute of limitations, this alleged debt would have expired six years after the final payment ; either on or before XX/XX/XXXX. It has also been over seven years since XX/XX/XXXX. As such, I am requesting that XXXX XXXX XXXX stop their collection attempts and remove the previously aforementioned collection from each of the credit reporting bureaus ' records.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX and I have an aacima digital fka simp lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, XXXX continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.
Complaint sub-issue: Problem extending the lease

I leased a new XXXX XXXX XXXX in XX/XX/XXXX. The lease ended in XX/XX/XXXX but I extended the lease to XX/XX/XXXX. The monthly lease amount was {$300.00} for the term of the lease. 

In XX/XX/XXXX, the company decided to add an add'l {$20.00} to the payment making it {$320.00} stating the difference was sale tax. The base amount of {$280.00} and the sales tax of {$19.00} totaling {$300.00} should not have changed. The {$20.00} represents sales tax being charged on the base plus the {$19.00} sales tax. 

I've made countless phone calls and sent letters over the past 5 months. They continue to say I owe the money and send me paperwork I don't ask for. Management was of no help either. 
Now they are charging me {$50.00} in late fees which are included in the {$110.00} they say I owe. I do not want this to show up with the credit bureau which I stressed to them.
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Account information incorrect

I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.
Complaint sub-issue: Can't use card to make purchases

XX/XX/XXXX I deposited {$1500.00} into my credit card account at Citibank on XXXX and XXXX XXXX XXXX. 

XX/XX/XXXX I tried to pay my Public Storage bill I went to Citibank to ask for a refund. The bank manager called the credit card company, They said it would take 7 to 10 days. 


XX/XX/XXXX The amount was not returned, I called the credit card company, they seemed confused and ATM stated that owed $ XXXX.Several calls later the matter has not resolved. They said they mailed me a check for less than amount received.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # XXXX.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I went to buy a XXXX XXXX about a year and a half ago. They pitched me the Best Buy credit card. Said I can apply and I will have 12 months no interest. Okay perfect. They did not say if you have more than one purchase your payment will be spread among all of them. Making it impossible to pay of the first purchase. Also they did not tell me that at the end of the 12 months all the interest from the year will be put on the bill. I went from {$1000.00} balance to {$1600.00}.
Complaint sub-issue: Problem during payment process

I scheduled my monthly payment around XX/XX/17 for XX/XX/17 when it was due. On XX/XX/17 I see it did not come out of my bank account. I reschedule payment for today ( it is around XXXX ). I contact 'chat ' with XXXX and they are no help. I am now being charged a late fee for a problem with their system where my payment was deleted.