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

I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission as well as the identity affidavit. I would like these accounts removed as soon as possible please
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Equifax refuse to update me from being listed as late on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Equifax jobs for them to shield my credit & prove my identity, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX 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've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXXXXXX 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: Don't agree with the fees charged

XXXX I took out a Student loan for {$4600.00} and after I graduated I started repaying this loans out XXXX and after a year or so I was unable to manage the payments long story short on XX/XX/XXXX I ended up paying in total {$10000.00}, or more I dont have records for XXXX of payments, the Student Loan it ended up with INTEREST and FED LOAN SERVICES want me to pay another {$15000.00} in interest fees, this has affected my Credit and I Disagree in the handling of this Loan that started in XXXX for {$4600.00}, this economy back then was very hard to maintain jobs, paying my bills, and a family, I Paid this Student loan in XXXX plus interest and now interest continues this amount of {$15000.00} is an All interest amount, I am sadly deepened that the Government ( USA ) can and do this to citizens, ( students ) they dont have no regards as to this Economy which now is just as bad TODAY AND IN THE PAST, this is just another form of discrimination and its the Government ( USA ) that allows this to go on. This has affected my Credit, score, and Life, I feel taken advantage and dissatisfied for this is worse than loan sharks. I did the best I could during those times.
Complaint sub-issue: Charged too much interest

PNC Bank charged extra interest ( {$1.00} ) for multiple months ( XX/XX/2019, XX/XX/2019, and XX/XX/2019 ) after I paid off a cash advance balance ( from XX/XX/2019 ). This issue was not resolved until I called the company after three additional interest charges were collected on a XXXX balance due to minimum interest charges. While the company ultimately refunded two of the months this issue would have continued due to PNC 's lack of a controls and monitoring over recurring " minimum '' charges. I only caught the charges since they were incurred on the last day of the month, but if they had been mixed in with lower charges during the period I may not have noticed and this would have resulted in additional charges. The company did not offer compensation or a sufficient explanation why the charges were not stopped at the time the balance was paid and I am concerned that PNC Bank does not have proper monitoring to catch issues like this going forward.
Complaint sub-issue: Account status incorrect

I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I had check my credit an found some late payments on my credit report, I have written 4 letter to Equifax requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt is not yours

I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.
Complaint sub-issue: Their investigation did not fix an error on your report

Ok I paid off accounts that were on credit report and have disputed these items several times bc they never came off the reports no did they update at all. Equifax has a lady I spoke with about this a few times she is very smart mouth and arrogant and says shes not required to tell me her name. She has put remarks on the credit report causing my score to go way down 4-5 times now. Every time I dispute my XXXX XXXX   account she does this. Totally illegal and fraudulent! Im very mad to say the least!!!!!
Complaint sub-issue: Account information incorrect

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Complaint sub-issue: Unable to open an account

I started an application for a checking account with Citibank which was never completed yet it shows in my credit report as open. I started a dispute with XXXX and they concluded that it was correct, I don't know the basis for that decision. I contacted Citibank and I was told that the account was never sent to the Credit agencies. 

I believe that it should be removed as it's not accurate. 

Thanks.
Complaint sub-issue: Trouble getting a working replacement card

I HAVE AN ILLINOIS STATE REFUND DUE IN THE AMOUNT OF {$540.00}. I HAD MOVED OUT OF STATE AS OF XX/XX/XXXX AND THE CARD WAS ISSUED ON XX/XX/XXXX AND MY XXXX ILL STATE REFUND WAS SENT TO KEY BANK. I HAVE CONTACTED KEY BANK NOW AT LEAST 7 TIMES BY PHONE AND GIVEN THEM THE INFORMATION THAT THE STATE OF ILL COMPROLLER OFFICE STATED I NEEDED TO GIVE THEM I ALSO HAD MY ADDRESS CHANGED BY THE DEPT OF REV ON XX/XX/XXXX AND THE DOR STATED IT CHANGED IN THE SYSTEM. I HAVE CALLED TWICE A WEEK SINCE THAT DATE AND THEY STILL SAY ITS NOT CHANGED AND TODAY AFTER 6 OTHER PHONE CALLS ARE STATING THAT THE DOR HAS TO VERIFY MY BIRTHDATE ( HAS NEVER ASKED THIS BEFORE ) I HAVE CONTACTED THE ILL DOR AT LEAST 5 TIMES AND THEY STATE THE DONT EVEN GET MY BIRTHDATE ON THE RETURNS AND HAVE NO IDEA WHY THEY ARE ASKING FOR THIS. I BELEIVE THAT KEY BANK IS DOING FRAUDULANT THINGS WITH MY SS CARE AND NOW BIRTHDATE AS WELL AS I HAVE GIVEN THEM MY CURRENT ADDRESS, PREVIOUS ADDRESS, FULL NAME, AMOUNT OF THE REFUND AND EXACT DATE OF PROCESS. KEY BANK WILL NOT PROVIDE ME WITH AN ACTUAL ADDRESS OR EVEN A STATE THEY ARE LOCATED IT.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Reporting company used your report improperly

Called XXXX XXXX to get a price on cell phone service. They asked for my SS # and I was not thinking they would run my credit. Had they asked for permission I would not have let them. I asked them to remove the inquiry as it was put there with out my consent. They refused. Please help, Thanks.
Complaint sub-issue: Not given enough info to verify debt

My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents
Complaint sub-issue: Information belongs to someone else

I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX/XXXX  XXXX XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute by mail to Equifax on XX/XX/2019, I included a copy of my drivers license and social security card as required by Equifax. In an effort to stall their response time they have sent me a response claiming that I did not provide my Identification which is clearly attached to the letter sent to them on XX/XX/XXXX. I have had this problem with them before in previous disputes and have noticed that this seems to be a common practice for Equifax in an effort to stall. The credit bureaus are required to respond within 30 days of receiving my dispute which Equifax has failed to do.
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 the 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. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

on XX/XX/19 my XXXX phone number was stolen and ported to another carrier. ON same date my XXXX XXXX indicated someone opened a best buy credit card. this dropped my credit score. I then called best buy and they put a stop on it. it still shows on my credit report
Complaint sub-issue: Account status incorrect

On XX/XX/18 all of my student loan accounts reported by FedLoan Servicing were incorrectly reported as XXXX days late and continue to be reported as XXXX days late on all of my credit reports. These accounts were paid in full after being one month late due to paperwork issues and continue to be in good standing. I have called FedLoan Servicing to try to resolve the issue and they have told me that I paid the late amount after one month and that it should not affect my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

Subject : XXXX  Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Two years ago I reported Identity Theft I wrote all 3 credit bureaus sent in all documentation XXXX XXXX XXXX name is still in my credit file as well as a XXXX Texas address Im trying to figure out if this person is employed with one of the Credit Bureaus for years I have been trying to get this unknown person and the address off my credit file and for some mysterious reason the information is still being reported On XX/XX/2021 I applied for a unsecured loan with XXXX XXXX XXXX and Equifax reported in my credit file as a Mortgage Thank you XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

MY MAIL BOX WAS BROKE INTO XXXX XXXX MY IDENTITY WAS STOLEN I DID A POLICE REPORT. MY CHECK WAS STOLEN AND CREDIT CARD RECENTLY SOMEONE HAS GOT FULL EDUCATION IN MY NAME ALSO XXXX  XXXX  AND A CAR I HAVE BEEN FIGHTING TO REMOVE ITEMS FOR THE 2 YEARS NOW. ENHANCED RECOVERY COMPANY FOR THE AMOUNT OF XXXX OPEN XXXX  XXXX XXXX FOR XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX FRAUDENTLY
Complaint sub-issue: Company closed your account

I received a text message stating that Commerce Alerts : You will receive no further messages. Call XXXX for more information. I Immediately called the number and was informed that my account was closed due to no activity on the account for more than 30 day with a XXXX balance. I was aware that I didnt have any activity on the account for a few months but didnt realize that my balance was at XXXX  and was in jeapordy of closing. If I would have received corresponding making me aware that my account was going to close I would have made the neccessqry steps to mainting the account in an active status. The supervisor I spoke with informed me that they dont send out any notices its on the terms and conditions when opening the account but it doesnt sound reasonable. I have had this account since XX/XX/2009 going on 10 years and opening up a new account with new banking information is frustrating. I just want to make to see if this is logical or not.
Complaint sub-issue: Information belongs to someone else

This is my XXXX venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}
Complaint sub-issue: Information belongs to someone else

INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Deposits and withdrawals

I deposited a check for {$1900.00} on Friday XX/XX/XXXX at XXXX XXXX from a business whom I XXXX  for for XXXX years. Ive never had an issue with any of the over XXXX checks Ive deposited from them. As soon as I made the deposit a notice that {$250.00} would be available the next day and the rest would be available on the XXXX! 
The {$250.00} was never released leaving me without cash for the week. I had a friend XXXX me {$20.00} for lunch on Tues the XXXX, the money showed as available in my app, when I attempted to purchase lunch it was declined, multiple times. I call and speak to XXXX in Maryland at XXXX XXXX and informed her of my situation she claims to be a supervisor when I asked for one. She said there is nothing she can do, and Ill have to go without lunch today. The earliest she could process the check was Wednesday morning the XXXX. So in the evening around XXXX on Tuesday I call Discover and ask that they cancel the check so I can cash it at the bank from which it was issued the next day. They said they cant because its already been processed furthermore I check my app and miraculously the {$20.00} I needed for lunch is now available. This is not how you treat a client. Making false and/or contradictory statements. I live check to check and leave it to them Ill be scrambling to XXXX shop for my family 5 days before XXXX. Its aweful the way that they treat people and they deserve to be penalized if only by being exposed. Thanks for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : XXXX
Complaint sub-issue: Talked to a third-party about your debt

This account is fraudulent. At the time I was married and my Ex-husband had access to my personal information and my SSN. And from reviewing my credit report this company is saying that I just started this account. Which is not possible because I haven't tried to open up any kind of credit with this company.