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

I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Opened a XXXX checking account on XXXX with terms of a {$400.00} bonus if opened with {$200.00} and receiving a direct deposit within 60 days. Opening deposit was made for {$200.00} and direct deposit was recieved on XX/XX/XXXX. Bonus only paid {$200.00} on XXXX. 

I contacted the company via secure message and was told that I had a {$200.00} promo had been applied, not the {$400.00}. There was no {$200.00} offer, only a {$400.00}.
Complaint sub-issue: Information belongs to someone else

THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE
Complaint sub-issue: Information belongs to someone else

I've contacted Equifax regarding this XXXX account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to Identity Theft.
Complaint sub-issue: Deposits and withdrawals

Ally.com is not replying to my email about when they will send me an ATM card. Calling and chat requires VERY long hold times.
Complaint sub-issue: Trouble with how payments are being handled

I am writing this to report Sallie Mae for contacting family members that I dont even know and leaving voice mails with them about my private student Loan.

I have been out of work and struggling to pay rent and to pay my loans since corona I always paid on time and they have messed my payments up at times and admitted it over the phone and fixed it later messing up my credit.

In this instance they have called me non stop at ungodly hours and have also harassed my family members even ones I wasnt aware of their existence are reaching out to other family members sending me voicemails of Sallie Mae reaching out to them about my loans constantly this company needs to be stopped.

I have tried to call and work out lower payments but they wont budge on their payments to match up with what I can afford in any dollar amount this is a very bad company as they cant even work with people during the pandemic and you have to pay hundreds of dollars just to be in forebearance
Complaint sub-issue: Threatened to sue you for very old debt

Hi, my name is Ms. XXXX XXXX. Back in XXXX I filed a complaint against Lenders Loan Company at XXXX XXXX XXXX XXXX SC XXXX. Case number XXXX. From my understanding before it was closed. I thought the Lenders Loans had closed my case, my account. Is that right? If so, I was summons again by these people on XX/XX/2019 and the magistrate papers are dated XX/XX/2019. Why are they serving me again when the case is closed on their end. I don't understand. What can be done for this company to leave me alone. I am a XXXX XXXX with severe problems and a single parent and trying to live for my kids. I been out of work off and on with health issues with myself and my young daughter XXXX XXXX   at school and fall up stairs XXXX  her XXXX.These people are really stressing me out. Can you all please help me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX  a credit card was takin out in name without my knowledge the credit limit was  XXXX  $ went into default sold off to  XXXX   XXXX  holding  XXXX   XXXX   XXXX  then  to Razor   Capital LLC   XXXX   XXXX   XXXX  by the time i was aware of any of this it was   XXXX    XXXX  explanied that i did not take this credit card out found out that  someone in   XXXX  FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in  XXXX  NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this
Complaint sub-issue: Information belongs to someone else

Dear Equifax : RE : XXXX XXXX A substantial injury typically takes the form of monetary harm, such as fees or costs paid by consumers because of the unfair act or practice. However, the injury does not have to be monetary. Although emotional impact and other subjective types of harm will not ordinarily amount to substantial injury, in certain circumstances emotional impacts may amount to or contribute to substantial injury. In addition, actual injury is not required ; a significant risk of concrete harm is sufficient. <P/>To determine whether an act or practice has actually misled or is likely to mislead a consumer, the totality of the circumstances is considered. Deceptive acts or practices can take the form of a representation or omission. The Bureau also looks at implied representations, including any implications that statements about the consumers debt can be supported. Ensuring that claims are supported before they are made will minimize the risk of omitting material information and/or making false statements that could mislead consumers. <P/>Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. '' 1692e False or misleading representations " Communicating or threatening to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec 617 Any consumer reporting agency or user if information which is negligent in failing to comply with any requirement imposed under this title. in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) 1692 e. False or misleading representations " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
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. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXXXXXX 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. 

15. U. S. C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

I have three collections reporting from XXXX, I requested an investigation from them directly and from Equifax. I have not gotten a proper response from XXXX I am unsure of the correct reporting and I don't believe equifax  has done a proper investigation into this matter. They just keep verifying the information.
Complaint sub-issue: Reporting company used your report improperly

This is concerning the recent Equifax data breach. This is a service that I never agreed to - it is nearly impossible to survive as an adult American without a credit report. 

The company was the victim of a breach of most of it 's customers personally identifying information. They appeared to withhold the breach from the public for some time after it occurred. It 's leaders apparently sold stock in between the time of the breach and the public finding out, indicating that they knew and may have conducted insider trading at the expense of 140,000,000 million Americans, or nearly every adult alive who has interacted with the nation 's financial system. 

The service Equifax offered to find out if you were potentially a victim reported to me that my information may have been compromised. 

As a result, I will need some element of identity protection for the rest of my life. I have been advised to freeze my credit. This is small compared to the likely impact on the nation 's financial system and identification systems. 

It is difficult to convey the immense scope and future impact of this company 's criminal negligence in words.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I can still see those items that affects my accounts. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Reports : XXXX {$0.00}
Complaint sub-issue: Account status incorrect

Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.
Complaint sub-issue: Public record information inaccurate

I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, USBK COURT XXXX GEORGIA XXXX, XXXX 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 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

quires that are not mine please correct and remove them
Complaint sub-issue: Information belongs to someone else

I contacted equifax, XXXX, and XXXX XXXX on XX/XX/3018 however XXXX XXXX and equifax Ive contacted both parties on several different occasions. Ive sent certified letters to equifax requesting an updated letter showing me what information was used to verify my account and was advised by Mr XXXX badge number XXXX that they dont have a system that can verify that account and once the verification is provided its not kept on my file. I was advised by supervisor XXXX to send a copy of my police report which Ive sent it.
Complaint sub-issue: Was not notified of investigation status or results

Please help me out here i have been trying everythng under the sun to get this stuff fixed on my credit report. This is really causing me a lot of pain and XXXX  bc nobody seems to be folling the fair credit reporting act and still reporting false information with out even verifying things with me. They aren't updating me on things and its been over 70 days. 15 united states code 1681 ( i ) clearly says that they have 30 days and it has been 75 days and these issues are still hurting my credit. Even with covid these high interest rates are making it hard to survive. I need somone to help the credit agencies take me serious because they are stalling and just giving me the run around. They are violating my privacy rights and my rights as a consumer. My info has also been compromised in the equifax and XXXX data breaches to make things even worse. Please i need this incorrect items off of my report ASAP
Complaint sub-issue: Received bad information about my loan

I was advised to consolidate my federal Parent Plus loan taken out for my daughter 's education with my regular federal student loans taken out for my own education. Now I am not eligible for lower payments using the REPAYE program because the XXXX Parent Plus loan consolidated makes all the loans ineligible. The Parent Plus loan is less than XXXX % of the total owed. Now I am told there is no way to extricate the Parent Plus loan and my monthly student loan payment is over {$1000.00}. I feel that I was not given adequate information by all parties involved ( Federal government and lender ) about the ramifications of including the Parent Plus loan in my consolidation. I also feel the REPAYE loan eligibility requirement that states any amount of Parent Plus loan in a consolidation of other loans that would be eligible is draconian and discriminatory if no option to remove the loan from the consolidation is offered.
Complaint sub-issue: Debt is not yours

I take this quite seriously! You are hurting my credit score! As a customer, you are causing me XXXX I am unaware of the purpose of this account. I have never signed any agreements with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax/ I am request proof that I gave " XXXX '' permission to look at my credit report.
Complaint sub-issue: Account information incorrect

I was amazed when I viewed my Equifax, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Account information incorrect

i send a dispute to equifax on the XXXX of XXXX about information that is reporting incorrect on my credit report that show inaccurate date and amount i also mailed three separate copy 's of credit report to show the inaccuracy and today XX/XX/2019 i receive letter of my credit report that said it is verified.
Complaint sub-issue: Information belongs to someone else

REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Complaint sub-issue: Deposits and withdrawals

I uploaded a cell phone number to my reliacard account. I did not request sms messaging between myself and the bank. I started receiving text messages marked as spam warning me about the messages including one directing me on how to clear the account. When XX/XX/2020 I tried to use the account I was locked out. The person 's there alleged I reported fraud. The story then changed, they alleged the account had been red flagged by activity and I needed to submit my id and social security number. This, according to their emails is the fraud. {$3300.00} has been frozen. The card services personnel had no information as to how to deal with internal fraud reported by the consumer. I have noticed over XXXX other recipients have reported this matter on XXXX.
Complaint sub-issue: Problem getting your free annual credit report

I tried to obtain the annual on-line credit report from Equifax. To check my identity, Equifax asked 4 questions about my finantial activity. None of the questions pertained to any of my financial transactions, but asked about loans I do not have. I responded " none '' to all their questions on the web form. It site then said my identity could not be confirmed and denied acces to my credit report. Many calls to the company only got referals to advertisements for their products. 

Equifax procedures do not allow you to contest fraudulent information unless you have a credit report, and you can not get your credit report without knowing the fraudulent information in it. 

In addition, a US government web site that refers to Equifax for identiy verification, also asked these questions about loans I do not have, and was therfore denied access.
Complaint sub-issue: Deposits and withdrawals

I recently opened a bank account with Discover. I received a check of {$1800.00} from XXXX after having a wreck. I used Discover mobile deposit to cash that check on XX/XX/XXXX2022. Yesterday on XX/XX/XXXX Discover emailed me stating they noticed suspicious activity on my account and to call them for more info. 

When I called I was told my account had been closed and they would be mailing my funds via a check. They also said that the check would not be sent until 60 days after the initial deposit. I asked to speak with a manager but the Discover agent refused. I asked to know why my account was closed and the Discover agent refused. 

I called XXXX to cancel the check but they let me know since the check is seen as cashed in their system, there is nothing they can do. 

Why didnt Discover call and verify the check with XXXX XXXX Why was the check cashed if it was suspicious? Discover has robbed me. I have been stolen from.