Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I have sent US Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and they are adversely affecting my livelihood. 

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
Complaint sub-issue: Account status incorrect

Home bridge financial report late payments in XX/XX/2018. When I reached out to Home bridge they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me Home bridge report late payments on my credit which Home bridge denied they did when I asked about it in XX/XX/2018. I am attaching emails from home bridge where they are stating they did not report a late payment and the texts from XXXX  saying they did report and i can not refinance now due to this error
Complaint sub-issue: Reporting company used your report improperly

XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act 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: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit  reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Complaint sub-issue: Funds not received from closed account

I got a letter from Citibank on XX/XX/2020 said that both of my saving accounts are closing and without any notice and no reason. One of my saving account still {$130000.00} on the account and other one is {$1800.00}. Citibank will issue me a official check for that balance to the address on file approximately thirty to sixty business days from the date of th is letter. But almost 4 months now and I still not receive my fund yet. I tried to call Citibank so many times and they said my accounts still blocked and hang off on me. I visited the Citibank branch and they said the same thing. Please help me I dont know what to do now
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

Today, XX/XX/XXXX, I requested my free annual credit report from Equifax through the website XXXX. I received an error message, " We are not able to deliver your free Equifax Annual Credit Report online. '' The error message went on to direct me to request my report by mail, requiring me to send several sensitive documents to them, one of which needs to include my SSN.  The message did not explain why this is necessary. 
I have received this same error from Equifax each of the last 7 years. In XXXX and again in XXXX I did request my report by mail, sending them a paper form and copies of my Social Security card and driver 's license, for which I eventually received my reports. But they appear to have not updated their records, as the error continues to exist. 
After my XXXX online request was denied, I filed a complaint through the site XXXX. I received an automated reply from Equifax requiring me to call their phone tree. I declined to let them waste my time there. 
It's been over ten years since I've moved or made any other changes to my personal information that might confuse a credit reporting agency. XXXX  is able to provide my online report every year, with access to the same information as Equifax.

The unnecessary extra work, cost, and time delay imposed on me every year, as well as the risk of sending my sensitive personal information through the mail, may or may not be a deliberate attempt by Equifax to discourage me from requesting my report from them, but it sure does work that way.
Complaint sub-issue: Account information incorrect

Equifax refuse to provide proof of a company having factual information to pull my credit. i reached out to the company and they sent me a letter to have it removed but equifax refuse.
Complaint sub-issue: Personal information incorrect

MY NAME IS WRONG AND 1 PREVIOUS ADDRESS IS WRONG
Complaint sub-issue: Debt is not mine

The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX or XX/XX/2019I received a credit alert stating there was a new hard inquiry on my credit. I immediately disputed it with Equifax because I did not authorize anyone to do this. A few days later while speaking to my sister, she advised me that she had spoken to XXXX XXXX NMLS ID # XXXX and he advised her of my credit score and some additional account information on one of my credit cards. 

It is now XX/XX/2019 and Equifax closed my dispute and indicated that it was accurate. Again I never authorized this, and my personal information was given to my sister who was not privy to this information. 

I want this inquiry deleted from my file and I want it noted that although XXXX XXXX was aware it divulged my personal information and credit score, they never reached out to me to make me aware of this breach.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the jeep. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX XXXX on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX  rep and would prefer to avoid suffering through that process again.
Complaint sub-issue: Other problem getting your report or credit score

I have talked to Equifax three times, with the last date being XX/XX/XXXX. I have explained to them ever since the data breach I can not access any credit information, my report says there is none to report. It also shows the last credit score in XX/XX/XXXX. This issue has caused be to be denied a loan because my creditors are unable to look up my information. I was told several times, this would be corrected and technical support would reach out to me, but the issue still remains.
Complaint sub-issue: Charged too much interest

Citbank issued me a credit card with a 24.24 % interested rate. I have a XXXX credit score with a debt ratio of like 35 %. I have not missed a payment in over 7 years. I said something to them and they slightly lowered it to just under 20 %. Question, why wasn't this rate to start with them. Seems to me if you want a customer you'd give them the best rate to start with to build trust. I have already put a complaint in asking an exact explanation of why this happened. I am going to keep putting in complaints about them every few weeks until I get an answer as to why my rate was originally set to their max rate when I have a XXXX credit score. I am saying this is predatory lending practice. I believe this happens to a lot of others who don't understand credit scores and what they're eligible for. I want an exact reason in writing why I received 24.24 % rate then lowered only after I complained to a manager. Their low rare is 14.24 % which is where i should be.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}
Complaint sub-issue: Reporting company used your report improperly

I have been notified that my personal information, along with the information of 148 million other consumers has been mishandled by Equifax, allowing it to be stolen from their data storage devices.
Complaint sub-issue: Debt is not yours

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX CARD SERVICES HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A 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.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX   XXXX  for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Keep getting calls about my loan

I received a loan from Sallie Mae XX/XX/2016 to help pay for my schooling at XXXX XXXX University in Alabama. The loan amount was for {$10000.00}. I am the primary on the loan and my grandmother is the cosigner. For the past three months ( starting XX/XX/2016 ), Sallie Mae has been hounding my grandmother and myself to start paying the interest on the loan. I told them that I am still a fulltime student at XXXX and can not make payments right now because I do not work. I told them that I would like to defer the payments until I graduated. I was told that I did not make that choice at the beginning of applying for the loan ; so I filled out a deferment form and faxed it to Sallie Mae. The calls stopped for a week, and then started right back. They were calling my grandmother five and six times a day asking her for money. My grandmother told them to stop calling and that we already faxed in the Deferment Form to Sallie Mae, however, each time se spoke with them, they gave her a different explanation as to why they still were calling and why the Deferment Form was no good. The customer service representatives for Sallie Mae, as well as the Managers my grandmother and I spoke with were rude and aggressive. My grandmother is XXXX years old and they were very disrespectful to her. I have an Aunt that is a debt collections attorney and she even spoke with Sallie Mae asking what exactly was the issue with accepting the Deferment Form ; however, when Sallie Mae found out she was an attorney, they told her that everything was fine and they would update my account to show that the Deferment Form was received and to stop calling. However, the calls started again a week after that phone call and are still continuing to this day ... even after my grandmother told Sallie Mae to stop calling and correspond with her only through mail documents.
Complaint sub-issue: Debt is not yours

I was sent a debt collection letter from TriVerity , Inc. saying I owe {$14000.00}. as of XXXX XXXX. The loan was taken out with XXXX XXXX XXXX XXXX online XX/XX/21. Their office is in XXXX XXXX, Ga. The statement they sent me showed money being withdrawn as of XX/XX/21. Most of the transactions were NSF fees. I have been speaking with a Dispute Advisor for the collection agency. He told me to file a Police report first. I tried doing that, but I keep getting the " run a around. '' The address that the Credit Union has on file is not my address, neither is the phone number the impersonator has been calling from. They even have voice recordings.
Complaint sub-issue: Didn't receive notice of right to dispute

i have been checking my credit every month and this account show up out of no where. haven't received everything from this company.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Complaint sub-issue: Funds not received from closed account

I am attempting to close the Estate of my deceased parents. PNC holds at least one account in their names. I have submitted everything legally necessary to validate my authority for both deceased parents. Yet PNC will not release the funds. I initiated this process with them in XXXX of 2020 and have followed up multiple times speaking to multiple PNC associates about this matter. Still no action on their part. 

XX/XX/XXXX : Met with XXXX XXXX ( XXXX ) at PNC to present my information. I have at least 13 e-mail follow ups to XXXX XXXX and others plus multiple phone calls. 

PNC initially asked for additional legal documentation which I have provided. 

Others Spoken with : XXXX XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Ph. XXXX Fax. XXXX XXXX XXXX XXXX, Retail Escalations XXXX XXXX, XXXX XXXX XXXX