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

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$150.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was inXX/XX/XXXXwhen I closed my credit card account with a balance of XXXX. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.
Complaint sub-issue: Reporting company used your report improperly

CREDIT REPORTING AGENCY THAT THIS COMPLAINT IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE AMERICAN CREDIT BUREAU EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

ACCOUNTS CONTRACT CALLERS COLLECTIONS XXXX XXXX XXXX I'VE ATTACHED EQUIFAX RESPONSE ALONG WITH MY MOST RECENT COMPLAINT.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to the Equifax Credit Bureau on XX/XX/2022, to correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again to correct the account in my file. 
XXXX XXXXXXXX Balance Owed : {$0.00}.
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 USC 1681 section 602 a. states I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose View full complaint
Complaint sub-issue: Investigation took more than 30 days

here is the problem with you not doing my dispute sence XX/XX/2018  when I dispute you dont notify me with in the 30 days and never have a way to attach the proof and I was subject to your data breach and you said you dont care so I reported you as a terrorest attck on my credit report and I am disputing again though this email with an account you refused to fix 3 times with proof attached to FTC complaints well once again her you go. 
XXXX XXXX XXXX XXXX Hide Details XXXX XX/XX/2018 {$72000.00} XX/XX/2018 {$620.00} PAYS 31-60 DAYS N/A XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, KY-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$71000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/2018 Balance : {$72000.00} Date Reported : XX/XX/2018 Amount Past Due : {$620.00} Date of Last Payment : XX/XX/2018 Actual Payment Amount : Scheduled Payment Amount : {$600.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : USDA Real Estate Mortgage Loan ( US Department of Agriculture ) Date of First Delinquency : XX/XX/2018 Comments : Consumer disputes - reinvestigation in progress Attached receipts show XX/XX/XXXX and XX/XX/2018 payments to XXXX XXXX  XXXX XXXX paid so this is false reporting by XXXX XXXX  so this needs to be removed and you keep telling me to go to XXXX twice with those exact words. well attachments is the proof I need when I take you to court so fix the problems and want all removed permanently per your terms and conditions in your credit reporting information you mailed me about credit reporting Equifax procedures.
Complaint sub-issue: Called after sent written cease of comm

I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone.
Complaint sub-issue: Information belongs to someone else

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX   {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX XXXX. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the EQUIFAX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and EQUIFAX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have 3 credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EQUIFAX CREDIT BUREAU is required to remove any account not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00}.
Complaint sub-issue: Investigation took more than 30 days

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Complaint sub-issue: Account information incorrect

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE XXXX XXXX+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Complaint sub-issue: Having problems with customer service

After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.
Complaint sub-issue: Card opened as result of identity theft or fraud

This is my 2nd complaint to cfpb please see case # XXXX my disputing still not resolved yet ( over 10 monthes ) and Discover card already added to my credit report " CHARGED OFF '' this is too threatening, That is not fair to me who suffering with id theft with multiple fraudulent charges disputing.

today i called them again and went police dept i will mail again police  investigation report and XXXX XXXX  closed docu. 
plese consider one more time my case this discover card company made my life so hard on top on this quarantine tine Thank you " cfpb ''.

As a normal, ordinary consumer, cfpb is the only one i could rely on Thank you again
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights!!! 

16 U.SC 1681 section 602 A. States I have the right to privacy, 15 U, S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.
Complaint sub-issue: Can't close your account

As detailed in CFPB complaint reference XXXX, that I filed on XX/XX/2020 ( for which I still have not received a company response ) I continue to receive servicing emails from KeyBank. As these are servicing emails, I do not have the option of opting out of these unwanted emails. I no longer have an account with KeyBank and do not wish to continue to receive unwanted emails from the bank, due to their unfair, deceptive, and abusive acts and practices.
Complaint sub-issue: Was not notified of investigation status or results

Hi my name is XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Problem during payment process

on XX/XX/XXXX I did a promotional offer on my XXXX card for {$290.00} for deferred interest for 1.5 yrs. My minimum payment went up and I was assuming that XXXX like other lenders was applying my payments to the promotional balance in such a way as to ensure that balance would be paid off first. They weren't. I have 99 days left ( due on XX/XX/XXXX and I have a balance of {$250.00}. I do paperless billing. If I had not clicked on a link I would have never seen that I will shortly be incurring a {$100.00} charge in interest that would cause me to go overlimit and start incurring overlimit fees and potentially late fees as I struggle to bring my account current and not-overlimit. 

This is deceptive payment allocation practices and when today XX/XX/XXXX I contacted XXXX I was informed of their policy which is to apply only amount OVER the minimum due to promotional balance ( I didn't realize that so their disclosures if there we any, are not obvious enough ). This practice seems very deceptive and encourages their consumers to get into overlimit situations which can also impact their credit. Set up to fail!
Complaint sub-issue: Billing problem

I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office. 
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX   powered module on the Lending Club website as a last resort to avoid late payments. 
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. 
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.
Complaint sub-issue: Problem using a debit or ATM card

I made a report with the FDIC recently then shortly after they recieved the complaint they took the power of me using my account it was a hassle to get my money back and I was charged for my own money.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and not my account.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX. XXXX and XX/XX/XXXX XXXX XXXX sent a letter requesting verification and validation of account and there was no response. In addition this company is reporting inaccurate information on my credit report. The date of last activity and the last payment date is incorrect and is showing different on all 3 credit bureaus. 
Validation letters was also sent to the 3 credit bureaus and was not verified or validated correctly in XX/XX/XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

Since my bank account balance has dropped below {$1000.00} at all times, I have had nothing but issues with the bank. The most recent issue was between pay cycles. Although I opted out of overdraft & turned off my debit card, i still went into overdraft, and was charged 5x. 

XX/XX/30 tier 2 overdraft item charge {$38.00} XXXX XXXX tier 2 overdraft item charge {$38.00} XXXX reoccurring overdraft item charge {$28.00} XXXX tier 2 overdraft item charge {$38.00} totaling {$180.00} this is oppression and unethical.
Complaint sub-issue: Unexpected increase in interest rate

I closed my credit card with XXXX back in XXXX. The interest rate at that time on the closed card was 14.24 %. There is still a balance which I am paying monthly. The interest rate has increased to over 15 % on the closed card. I received a couple of statements from the bank from XXXX showing the interest at 14.24 %. I wasn't notified the rate increased and how can it increase on a closed card? Since I don't have the card any longer, they would not assist because couldn't provide the entire account number- I wasn't getting paper statements after the account was closed