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

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}
Complaint sub-issue: Information belongs to someone else

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 
fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list
Complaint sub-issue: Trouble getting a working replacement card

Hello, I am writing in regards to my relia card through US Bank. 
When I was first approved for my unemployment I was unaware that the pre paid card would look like a solicitation in the mail and I threw away my card. Once i saw on the unemployment site to look out for this card after I received it and threw it away I switched my method of payment to direct deposit. The paid to date number for my unemployment is one payment short. This was the first payment and I believe it's on the relia card. 
I've been calling the customer service number for card holders almost six hours a day for a week. They will not answer and its impossible to get a hold of them. 

Thank you
Complaint sub-issue: Information belongs to someone else

Equifax is not trying to help me clear this up I have furnish supporting documents please help
Complaint sub-issue: Debt is not yours

Collection Agency Reported to XXXX Credit Bureau ( Below is the information Reported by the collection agency : Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : ERC XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$120.00} Date of 1 st Delinquency : XX/XX/XXXXBalance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information THIS IS A FALSE CLAIM THAT I OWE ERC XXXX XXXX OR ANY OF THEIR SERVICES AN AMOUNT. I HAVE NEVER REQUESTED THEIR SERVICES NOR DO I KNOW OF THIS ACCOUNT. I have already tried to contact the collection agency back in XX/XX/XXXX providing them with my full name and my address, but the collection agency refused to give me detailed information unless i provided them with my Date of Birth and Social Security. The collection agency also refused to give me their full name of the rep i was talking to and the Rep hang up the phone on me. I also disputed this account on XX/XX/XXXX to XXXX Credit Bureau.
Complaint sub-issue: Information belongs to someone else

THIS IS A REQUEST FOR A RE- INVESTIGATION. I HAVE NEVER LIVED OUTSIDE ALABAMA. I REPORTED TO EQUIFAX,  XXXX ,   XXXX    BACK IN EARLY  XXXX  THAT THERE WERE NUMEROUS COLLECTIONS ON MY REPORT THAT WASNT MINE. AFTER I RESEARCHED I FOUND OUT THAT SOMEONE IN ANOTHER STATE  XXXX   XXXX  NEVADA HAD OPEN UP SEVERAL ACCOUNTS UNDER MY NAME. I SUBMITTED TO EQUIFAX 17 YEARS OF STATE OF ALABAMA DRIVERS LICENSE. SURELY I CANT RESIDE IN  2  STATES. I ASK FOR REMOVAL OF ALL ACCOUNTS LINKED TO THE STATE OF NEVADA. EQUIFAX REMOVED SOME BUT NOT ALL. I AM ASKING THAT EQUIFAX REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I DID MY OWN INVESTIGATION AND ALL OF THESE ACCOUNTS WERE OPEN IN NEVADA WHERE I NEVER LIVED. THERE IS NO WAY THESE ARE MY ACCOUNTS. FOR THE  3RD  TIME PLEASE RE- INVESTIGATE AND REMOVE FROM MY CREDIT FILE. I RESIDE IN ALABAMA AND HAVE BEEN HERE 53 YEARS. NEVER VISITED THE STATE OF NEVADA. THESE CLOSED ACCOUNTS SHOULD BE REMOVED FROM MY CREDIT FILE.
Complaint sub-issue: Account status incorrect

XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless XXXX is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.
Complaint sub-issue: Can't stop withdrawals from your account

I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge.
Complaint sub-issue: Trouble with how payments are handled

American Education Services has given me false information, charging me more than what is due, their website is not updated or organized, each representative gives students different information. Due to all of their fraudulent practices and false information, I have had multiple loans default now. I have tried working with them, I make payments because they tell me I have no options whatsoever even though I am in XXXX school and do not have a job. They have destroyed my credit and made my life miserable.
Complaint sub-issue: Information belongs to someone else

remove fcra violations : XXXX  XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Complaint sub-issue: Personal information incorrect

I have made online disputes with all 3credit bureaus they always come back with it and not remove them
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting that I have two collection accounts with them on my credit report. I initiated a dispute through the 3 credit bureaus on XXXX XXXX, 2017. All of them came back saying XXXX XXXX XXXX verified account. I wrote and faxed a letter directly to XXXX XXXX XXXX asking them to send me proof and verification that I owe this debt and in the amount of which I owe this debt and the information from the original creditor. The mailed back a screenshot of their computer screen which has a name similar to but does not match my name at all and that does not match my address. In addition to I asked for verification that they are allowed to collect on debt in the state of Alabama, which I checked their licensing and they are not. Furthermore, on that screenshot they list XXXX XXXX account yet they have two accounts on my credit report, one for the cable service and another for the cable equipment but they were linked to XXXX XXXX XXXX  account. I sent another letter after they sent this information with my identification and proof of address and asking that they remove the information from my credit report, as per the FCRA inaccurate information can not be reported and the name and address and phone numbers are in fact inaccurate. This has caused me much stress. Please assist if possible
Complaint sub-issue: Received bad information about your loan

I became aware of the XXXX XXXX program when XXXX XXXX initiated the program. I was told all I had to due was make payments for 10 years with a public service job. At the time there was no talk of a qualifying loan program. I made my payments on time with out question for about 9 years. When it came time for my loans to be forgiven there was talk about a qualifying program. It is documented that I was in so called qualifying plan before I heard about the loan forgiveness program. I was advised that all I had to do was make payments for 10 years with public service and my loans would be forgiven. In the XXXX hour I was duped and came to realize that after 10 years my payments amounted to nothing. I was duped into changing my so called qualifying plan to an ineligible plan by the loan provider and when it came time for loan forgiveness the rules were changed!!!!!!!!!
Complaint sub-issue: Reporting company used your report improperly

To Equifax, After reviewing my consumer report today XX/XX/2023 i noticed your company is reporting an alleged medical debt from XXXX XXXX XXXX. This is direct violation of HIPAA privacy rule as i never gave XXXX XXXX XXXX any written documentation to release my personal medical information to you or anyone else. 

I request this account be permanently deleted immediately. 
Or Provide me documentation within 30 days of this notice, showing my written request to release my medical information to your company. 

Regards, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 XXXXXXXX XXXX XXXX : XXXX 15 U.S.C 1681 Section 602 A. states that 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 an 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 and any other adverse item of information, other than records of convictions of crimes which antedates the repot 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.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

A bank account was opened in my name at XXXX that I had no knowledge about. I only found out due to getting a statement in todays mail ( XX/XX/2021 ) I called the phone number on the statement XXXXUS BANKS ( XXXX ) and asked some general questions. I was asked for the Account Number which I was able to provide being that it's on the Statement. I was asked my DOB and last XXXX of my SS # and they had all of that information about me. The account was opened via the internet on Wednesday, XX/XX/2021 and Closed Monday, XX/XX/2021. I filed a Consumer Report To The FTC ( Federal Trade Commission ) Wednesday, XX/XX/2021. My FTC Report XXXX is XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been currently disputing accounts on all three of my credit reports since. XXXX ... .Equifax and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a XXXX I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX   XXXX, and Equifax.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.
Complaint sub-issue: Funds not received from closed account

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 
After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. 
I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

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 30days 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: Information belongs to someone else

one inaccurate student loan is located under my name under equifax credit reporting agency, this  inaccuracy is causing me my SSi check that i receive. 
i spoke to them many times and disputed several times they keep coming back and saying it has been verified, i never ha student loans ever, i never went to school ever. please find attached my police report and FTC report which i provided equifax as well. 
thank you
Complaint sub-issue: Trouble with how payments are handled

I 've noticed that student loan repayments made on line by myself are immediately deducted from my checking account in real time - yet these monies in real time transferred to the lender often are not processed toward my loan for 3 whole days resulting in the accumulation of additional interest for these 3 days. Will that change as the " End Of Early Paydays '' will on XXXX, XXXX resulting in the immediate processing of my loan payment in real time?
Complaint sub-issue: Need information about your loan balance or loan terms

This company never sent me statements. I asked for copies of monthly statements. They failed to provide them.
Complaint sub-issue: Application denied

On or about XXXX XX/XX/2022, XXXX XXXX XXXX ( PNC branch manager ) reached out to me apply for credit card. I applied on XXXX XX/XX/2022. Despite great credit score, my credit card application was rejected with the following reasons : 1. Proportion of balances to credit limits too high on bank revolving or other revolving accounts.

2. Lack of recent installment loan information.

3. Too many inquiries last 12 months 4. Length of time revolving accounts have been established. 


If my credit card application was to be rejected, why PNC solicited me at the first place? 
Within 10 days, my credit card application from XXXXXXXX XXXX  was approved. 

It seems PNC bank has no idea what they are doing or why they are doing so?
Complaint sub-issue: Received bad information about my loan

I have {$50000.00} in XXXX student loans, formerly serviced by XXXX and XXXX. Responding to a XXXX XXXX XXXX : President Obama 's Federal Loan forgiveness program, I received a phone call in XXXX from XXXX XXXX XXXX. I was under the distinct impression that this organization was government-afilliated. They offered me an income-adjusted repayment plan of $ XXXX, ostensibly with loan forgiveness after making XXXX years of payments. During the initial phone call, XXXX took my debit card number as " backup '' ( they said XXXX if there were late payments. After completing application paperwork, I began receiving emails from a company called FedLoan Servicing XXXX : starting payments on my XXXX loans. I thought ( naively ) that SLE and FedLoan Servicing were connected and that these payments were the result of my SLE application acceptance. I began making regular payments through the FedLoan website, which I found is affilitaed with the the Pennsylvania Higher Education Assistance Agency ( PHEAA ), which also manages American Education Services ( AES ), which services my private school loans. In XXXX, despite having paid my FedLoan installment that month, I noticed an automatic debit card payment of {$39.00} charged to SLE, which I still believed was affiliated with FedLoan. I emailed FedLoan to complain, only to be told that FedLoan does not charge late fees. Shortly thereafter, my bank informed me that my debit card was hacked, and closed the card. I just received a phone call and email from SLE that my " automatic payment '' was declined, and to call them, which I did. The originating number is no longer in service, and the SLE phone number ( XXXX ) is always busy. I believe I have been scammed or, at the very least, XXXX, and I have no idea whether SLE and FedLoan are connected to each other. If they are not, then I have no idea how my XXXX student loans were paid off and transferred from XXXX to FedLoan, XXXX which they apparently were XXXX and what XXXX 's role in this is, if anything. I also do not know what XXXX was charging me $ XXXX for, and where that money went. SLE does not have access to my new debit card number, fortunately. I am perplexed, alarmed, and angry that private companies have taken advantage of the legitimate XXXX student loan reservicing initiative to scam people who need legitimate financial assistance with their loans. I would like to find out XXXX what happened with XXXX XXXX XXXX and FedLoan to find out what is going on with my XXXX loans, and whether they are being legitimately serviced or not.