Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax obviously lost my data and in the process gave a misleading website designed to get people to forfeit their ability to complain about this terrible breach, under the guise of checking your " status ''.
Complaint sub-issue: Problem with personal statement of dispute

I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later us bank put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX Bank don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money
Complaint sub-issue: Information belongs to someone else

Someone opened a XXXX account in my name & I have been trying to get the XXXX XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.
Complaint sub-issue: Other problem

I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted  XXXX  and a representative from the office told me to make my {$37.00} minimum payment in  XXXX  so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to  XXXX  to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online.  XXXX  came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in  XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today  XXXX / XXXX /   17  I called and come to find out the website is now updated to  XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I recently visited Best Buy to purchase a new computer. I was helped by a sales representative and we got the computer I wanted. Upon checking out I gave him my phone number and he verified I had a Best Buy account and once had a Best Buy Credit Card. I told him I thought the card had been closed by the company for non use. I got the card way back in college to purchase my last computer and they opened a credit card for me. I never asked for the card to be closed, but they did it anyways. 
This person then asked for my social and attempted to recover my account. Upon multiple failures to retrieve the account he began to open a new Credit Card account so I could put the charge on a new Best Buy Credit Card. I never asked for this, I would have preferred my first Best Buy account never be closed. He attempted multiple times to apply for this new card and was rejected. Now I've got a new hard inquiry on my credit report and its negatively affecting my score.
Complaint sub-issue: Information belongs to someone else

I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity was stolen in the past and some of the inquiries were not done by my authorization.
Complaint sub-issue: Their investigation did not fix an error on your report

I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.
Complaint sub-issue: Fees charged for closing account

I closed my Citi XXXX XXXX account due to the neverending incompetence by this bank, yet I am, somehow, receiving emails from the crooks telling me there's service charges and a negative balance.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for XX/XX/2020. These multiple inquiries in XX/XX/2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XX/XX/2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XX/XX/2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

On an account I had little or no activity in, they ( Macys ) incorrectly billed me and the bill did not arrive for me to pay. I would gladly have paid.As can be seen by the dates, I opened it on XX/XX/2015, the delinquent was reported XXXX and I closed it on XX/XX/2015. They had a billing problem at that time and I did not receive a bill. 
When I did, they reported it as delinquent. Some years later, I agreed to pay the entire balance if they would delete the report. I had not followed up to see if they deleted the report. In fact, they had not. It is still being reported as a " paid chargeoff '' which I dispute due to they had a billing problem, not my unwilling or able to pay the balance. 
Also, this is still being reported and affects my credit score.
Complaint sub-issue: Information belongs to someone else

I have reached out to Equifax at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. Equifax and XXXX are still reporting fraud account
Complaint sub-issue: Deposits and withdrawals

I have an account with Citibank with roughly XXXX dollars in it. This is all of my money, I do not bank with anyone else. On XX/XX/XXXX I noticed that my credit card payments made XX/XX/XXXX were getting bounced back. I called Citibank and they told me that my account had been frozen since XX/XX/XXXX. They did not send me any notification in this case and when I called they informed me that they were closing the account and would send me my money in 30-60 days. This is the middle of a pandemic and if I do not get my money sooner I may die.
Complaint sub-issue: Problem with fees

I continue to receive calls from this lender unknown identity. By nature of  Fair Debt C ollection s Act t hey are to identify who they are and provide full name and reason for the call. I do NOT answer these unknown calls but block and report them to the  Nat Do  Not Call registry and  Block t hem. I spoke to  XXXX  alleged Manager in Collections who did not offer to reverse the fees. They press for advanced payment even though I offered to make a post dated. Finally when I asked for a manager he agreed.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX/EQUIFA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 -DP OF EDUC XXXX 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 an account without my written instructions.
Complaint sub-issue: Didn't receive notice of right to dispute

My complaints is not just about the 30 day " notice '' letter. Which I never received about this debt. The only reason I know about this is because I received an alert from my credit monitoring service. I have been working on my credit and it is looking great until this happened. 
Real quickly, my monitoring service just posted a collection from Grant & Weber account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. As stated above I never received a phone call nor any letters from this company. 

Additionally, it shows as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. 

The issue is now I have 2 negative items that are effecting my debt to credit ratio twice for the same debt. My understanding is that is either an FCRA volition or an FDCPA violation or both. You can't have the same debt count against you twice. Not to mention both companies are reporting different amounts and I have no idea if any dates are correct but likely that is wrong too. 

Since the collection agency, out of XXXX XXXX, I am in Texas, has never contacted me or allowed me 30 days to dispute the debt or settle the debt. Both accounts seem to be hitting my debt to credit ratio twice and who knows what is right or wrong. I am requesting it be removed from my credit report or the burden should be on both companies to sort this out and to send me correct information. I believe the collection agency should not even be allowed to collect on my credit report at all however.
Complaint sub-issue: Account information incorrect

XXXX loan # XXXX in the amount of {$5000.00} originated XX/XX/18 has been paid off in full on XX/XX/18. Equifax and XXXX is still reporting that I have a balance of {$5000.00} which is not true. Equifax updated their report on XX/XX/18 and showing a balance of {$5000.00}. Because of this false reporting my credit score dropped 50 points! I want this false reporting of {$5000.00} to be corrected to {$0.00} immediately! This account is in good standing.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.
Complaint sub-issue: Problem using a debit or ATM card

As stated in prior CFPB complaint, I've sent a dispute letter via fax, postal mail, as well as email most recently regarding information needed for dispute ID XXXX, I was sent a letter on XX/XX/XXXX which I replied to and provided same information again.. In total, numerous letters provided, Citibank dispute dept claims non-receipt of these which is suspicious. I spoke with a Citibank rep today, he claims a letter was received on the XXXX of XXXX as well.. I provided information pertaining to dispute and the merchant appears to be a scammer as the charge, {$160.00}, was declined on merchant end supposedly, funds taken regardless ... I've message the merchant via secure message, no reply and no direct email or number to reach ... This transaction is a scam and again, I've provided this info numerous times, Citibank claims either non-receipt or needs additional info which I am not aware of and have no such additional information to provide other than what is in letters sent prior ...
Complaint sub-issue: Deposits and withdrawals

The supervisor Mrs. XXXX from the PNC bank, yesterday, XX/XX/2019, re-opened a claim on one of the transactions of my debit card, but hadn't informed me that she also closed my debit card. 
Today, I was trying to get funds from my debit cards from 2 ATM 's, one at one of the PNC branches, and could not see neither my balance nor withdraw the money. 
Having not informed me about the fact that the supervisor had closed the card, Mrs. XXXX had violated 1. the Act about the Free Access to Information ; 2. my Human Rights ; 3. my customer 's rights. 
She inhumanly put me at the situation, that I can not freely use my own funds, having spoiled my weekend and having stressed me, which is not advised by my doctor.he I spoke with another supervisor Miss XXXX, who said that there was no way for me to get the necessary funds today. She advised to go to one of the branches tomorrow, which is impossible, as they are opened before the time I can reach them : I am working during their business hours. 
Their service is bad, and I will inform about it everyone I can. 
XXXX XXXX P.S. Having made a mistake, the Bank SHOULD have a way to reopen the card as quickly, as they had closed it not violating Human Rights of a customer!
Complaint sub-issue: Information is missing that should be on the report

My score dropped suddenly yesterday by 10 points and your report shows no explanation whatsoever for the drop. I need this explained or fixed right now. PLEASE.
Complaint sub-issue: Received bad information about your loan

I want to file a complaint regarding my student loans. I have received differing information regarding consolidating my federal loans. I called several weeks ago and inquired about consolidation of all my federal loans. I was told by the loan agent that my loans would be consolidated into one loan and my PSLF qualifying payments would be recalculated and counted as the highest number of payments made to all loans. So I proceeded with the consolidation. I completed the app online and got confirmation that my loans were being consolidate. Then on XX/XX/22 I got a letter in the mail that was regarding my consolidation. The letter stated that if I consolidate these loans I would have to re-start my payment counts toward PSLF. I panicked. This is direct opposite of what the agent told me. I placed many calls to MY FED Loan and was put on hold for over 30 minutes, when I tried to get a call back I was either hung up on or placed on another hold. Never was able to ask anyone. I searched the website for information and saw on there as well that my payments would restart. I canceled the consolidation request so I would not loose my payments. The website states that counts start over as well. However I am hearing from MANY other borrowers that this is no longer correct but that the site is not updated, that the letter I got 2 weeks ago is outdated. So I have once again been trying several times a day to contact the servicing center with absolutely no luck at all. I can not get the information that I need to determine if I need to apply for consolidation again. This has been very confusing and the information that I was given over the phone weeks ago is direct opposite of what is on the website. I need written facts so that I can determine if consolidation is the right course for me. I can not consolidate if I have to restart my payment counts. I just need correct information and can't even get a call back. I have also direct messaged them on XXXX XXXX and can not get a response. I do understand that everything is in process to change the information however there is a deadline I am trying to meet as well for the consolidation process. I need help getting the correct information. I have been getting misinformation for years with various student loan servicers.
Complaint sub-issue: Can't decrease my monthly payments

My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.
Complaint sub-issue: Their investigation did not fix an error on your report

Im sending a letter demanding {$1000.00} for each remaining item Equifax leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given Equifax many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being