Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

I can't link my account to several online services
Complaint sub-issue: Investigation took more than 30 days

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Complaint sub-issue: Information belongs to someone else

I am disputing all inaccuracies on my credit report with Equifax.
Complaint sub-issue: Fee problem

I opened a Student Checking Account with PNC bank in XXXX. One of the benefits touted by the bank representative at that time was that the Student account and account terms would remain in perpetuity for as long as the account was open regardless of student status, and that the benefits of the Student Account would be enjoyed for as long as the account was open. PNC Bank has tried repeatedly to change my account type with my consent, but there was never any benefit to me as a customer to do so. I received a letter from PNC XX/XX/XXXX stating that my Student Account would be changed to a Standard Checking account without my consent. For over 15 years I have had this account knowing PNC could not change my account without my consent. Now the bank is attempting to pull the wool over my eyes and assert it is within their right to do so. They claim that my account allows for this, which it does not. They have agreed to send me a copy of the account terms however have not assured me that this matched my original account terms. I fear and suspect the terms have been altered without my consent as well to suit PNC 's goals.
Complaint sub-issue: Received bad information about your loan

I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not conduct a thorough investigation of the account XXXX XXXX that is listed on my credit report. I have requested several times for Equifax to provide the evidence including documentation and who they spoke to about this account to determine that it is valid and reporting correctly, but they failed to respond. I have also sent 2 letters requesting validation of debt to XXXX XXXX since XX/XX/2021 and they failed to respond. This is a violation of my rights. Please see attached for the 2 letters sent to XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

Their investigation didn't fix anything, all the inaccurate, misleading errors are still on my credit report..they have violated my rights!!
Complaint sub-issue: Information belongs to someone else

The following accounts listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized and not my 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
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 under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # 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.

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 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: Account terms

I received a collection notice from XXXX XXXX XXXX in which I disputed with the creditor on XXXX XXXX, 2016. I provided documentation from the original creditor advising that the amount and information provided by the original creditor was fabricated. To this day, I never received a response from the collection agency validating my dispute. Therefore, the Texas XXXX XXXX XXXX XXXX which requires the collector to validate the debt within 30 days and if the creditor does not respond within 30 days, the debt is considered NOT VALID and must be removed from ALL credit files and further collection action MUST cease. 

During the dispute process-the collection agency continued to collect on the account by calling me once and reporting the account to the Equifax. In so doing, they not only violated the FCRA, FDCPA, they also violated the Texas XXXX XXXX regarding collections and credit reporting. 

I immediately disputed the account with Equifax , providing them with the dispute to the collection agency and the documentation that was sent. I also informed them that the collection agency has NOT validated the debt as required under Federal and State Statutes. Equifax processed the dispute stating that they verified the debt is being reported correctly and that they verified that it belonged to me. Unfortunately, this is not possible if the collection agency was unable to validate the debt with me within the 30 day required time under the law. Equifax has continued to aid this collection agency in breaking the law and has now also violated my rights as a consumer under the Texas XXXX XXXX by continuing to report a debt that was not validated under Federal and State law. This debt is fictitious and Equifax is just as responsible for continuing to be in the violations of the law as the collection agency by keeping it on my file. 

A separate complaint against the collection agency has been filed with your office.
Complaint sub-issue: Problem with customer service

I am angry that Citi and XXXX XXXX XXXX, bailed out with my tax dolkars, are engaging in social engineering and anti-constitutional practices by refusing to do business with perfectly legal XXXX manufacturers. 
Because they accepted tax dollars to cover their mistakes the are now semi- public companies. 
Their actions should be sanctioned by regulators
Complaint sub-issue: Other problem

On XX/XX/XXXX, I accidentally overpaid Macys American Express card through a bank transaction ( {$4300.00} ). The transaction from my bank can be found in my XXXX statement. Macy 's has received the money on the Macy 's XXXX statement. 

I found the error a few days later and asked for a payment reversal. The representative said it will be done within 14 days. Macy 's representative indicates that it has been done on XX/XX/XXXX. 
Call the phone numbers many times and the representative said it will done on XX/XX/XXXX, XXXX. 
I attached the XXXX statement to show there is no refund from Macy 's. 
Finally, I received an email ( XXXX ) indicates that it will be done 5 business days.

I have not received the refund.

Call Macy 's and the representative said it was done and nothing she can do.
Complaint sub-issue: Attempted to collect wrong amount

I reached out to the collectors and they agreed to delete it because the information is wrong, but now XXXX has had another credit agency trying to collect which is Enhanced Recovery Co L
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, THD/CBNA add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CITI CARDS/CITIBANK Address XXXX XXXX XXXX XXXX XXXX SD XXXX Phone number ( XXXX ) XXXX I submitted application through XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after checking my report through XXXX it shows as hard inquiry and point dropped as a result. I reached out to XXXX who advised me to reach out to XXXX XXXX who advise me to reach out to bank directly and no one was able to assist. 

Inquiry happened on XX/XX/2022
Complaint sub-issue: Debt is not yours

I have been dealing with this problem for a long time.I need to get these collections removed. I've already sent in all the correct documents, and these collections still show up on my report.
Complaint sub-issue: Information belongs to someone else

I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I am a natural human being, I am a living person. I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. 
I demand the accounts below listed to be removed. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX
Complaint sub-issue: Information belongs to someone else

I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were 11 student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my 11 Accounts and added an Fraudulent account with MOHELADEPT OF ED For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Complaint sub-issue: Can't decrease my monthly payments

{$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated.
Complaint sub-issue: Information belongs to someone else

I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
Complaint sub-issue: Problem during payment process

I set up autopayments online, but macys did not process the the autopayments and hit me with a late fee. I had to go call in to pay the bill because the online portal does not work. The same happened to my dad and to other friends. It is a known issue on their side and they won't correct it on my credit report. I have perfect payments except for that incident because THEIR systems failed. I've been asking them to remove it for years.
Complaint sub-issue: Debt was paid

I was trying to maintain good credit history they stated if I pay the balance in full they would remove it from my credit. Balance is a charge off that has been paid to the original issuer of credit XXXX XXXX. This account has been sold to a few different collection company and each company repost it on my credit report. Even with that knowledge I still paid the balance that that said I owed thinking it would clear up that matter so I could move forward. I reach out to them and they said its nothing they can do to clear up this matter. It is still having a negative impact on my consumer report.
Complaint sub-issue: Was not notified of investigation status or results

Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi Cards isnt resolving a double reversal. I have contacted them every week for 6 weeks. They have confirmed it is their mistake and they are working through their process to resolve. It has been 60 days. They have given me a credit on the interest accruing on both my XXXX And XXXX statements, however the last person I spoke with said they were waiting on the investigation team to resolve as it is now a billing issue but they can see its a double reversal. No matter who I speak with they will not solve the issue for their mistake. It is for over {$2000.00}.
Complaint sub-issue: Was not notified of investigation status or results

Hi this is XXXX XXXX, I have sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Complaint sub-issue: Debt is not yours

This company has reported a collection amount of {$780.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Reporting company used your report improperly

Called XX/XX/2022 spoke with XXXX ( id XXXX ), XXXX XXXX id XXXX ), XXXX XXXX id XXXX ), XXXX ( id XXXX ), all stated to be supervisors and where all unfair and continued to violate my rights as a consumer. I was told to get help I would have to send a police report. I asked for the law or a policy to show I needed to do so. I demanded all accounts and inquiries be removed from my consumer report and file that I did not give consent to furnish.
Complaint sub-issue: Their investigation did not fix an error on your report

This stuff that XXXX  has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans XXXX is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX  XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX card
Complaint sub-issue: Account status incorrect

In XX/XX/2022 my two federal student loans transferred from FedLoan Servicing to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to FedLoan on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and XXXX through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Complaint sub-issue: Talked to a third party about my debt

ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX  Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : 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 Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979
Complaint sub-issue: Card was charged for something you did not purchase with the card

This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX  and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..
Complaint sub-issue: Their investigation did not fix an error on your report

There are 2 hard inquires on my credit report that I did not authorize. Ive also disputed the account as well. The company said that they will correct it. However they havent done so and will not get back with me. I filed a dispute. After later calling Equifax to check on the status, the rep & supervisor told me that the did an investigation and the other party did not respond but they will not delete the inquires although I did not authorize them and have proof. The rep and supervisor said that the are factual records even though the other party did not respond.
Complaint sub-issue: Changes in terms from what was offered or advertised

Citigroup has a government contract to implement the federal charge card system, SmartPay 3. Citigroup is currently currently conducting age discrimination against 18 - 21 year olds due to their new firearm policies that runs counter to laws and regulations passed by Congress, and infringe and discriminate against an individuals Second Amendment rights. Citigroup should not be allowed to have government contracts when they are flagrantly violating the rights of the very individuals who are forced to utilize their products.