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

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have explained in detail that I was a victim of identity theft and no one is taken the steps to get it resolved. customer Service is hottible
Complaint sub-issue: Was not notified of investigation status or results

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / XXXX  / {$1100.00} / XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted Equifax and XXXX to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and XXXX and Equifax received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my Equifax and XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that Equifax and XXXX  enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
Complaint sub-issue: Information belongs to someone else

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
Thank you.
Complaint sub-issue: Received bad information about your loan

Fed Loan Servicing services When I started services with Fed Loan services, I was under the impression that I was making payments towards the student loan forgiveness program. 
In order to qualify for this program, I was supposed to work in a health administration office for several years and that qualified me because at the time, I was working for XXXX XXXX XXXX. 
I was re-certifying with Fed loan services and making payments as scheduled, but noticed that balance was never going down. 
I called Fed loan services, in XXXX and was told by a representative that I was not in the forgiveness program, but that I was in the re-payment plan.. I explained that when I first started with fed Loan services, that I was supposed to be under the forgiveness plan and that by this time, my loans should be forgiven.. Representative stated, ( XXXX ) stated that he would send me the application needed for me to fill out and send back to them to be on that program. He also stated that all my years of working in the health care industry would be taken into consideration. I filled out the application and advised on the application that the company, I previously worked for is closed but that I have all my income tax paperwork if needed. I also submitted information to the phone number and address to the corporate office to where I worked. 
Submitted all the information and waited -- Supposedly in 7-10 business days, I would get a response. Days passed, I called Fed-loan and representative explained that it was still in process.. Representative also stated that reason it was taking so long is because they did not have information for my previous employer.. I explained once again that i submitted all I had and also contact information., I was then told that my paperwork was still under review and that I needed to wait. 
I have called several times, and have been told that my paperwork is in compliance and that I must wait for an answer.. 
Then I have been told by supervisors that I should be receiving an answer within a couple of weeks.. 

I come to you because I applied for this in XXXX of 2019, and we are now in the month of XXXX and I have yet to receive an answer in regards to my application for the student forgiveness program from Fed Loan, This is horrible.. My student Loan should had been forgiven months ago, but yet as I can see, I am under the re-payment plan and still my balance has not gone down, but as a matter of fact increased due to interest.. 

I am in need of assistance.. I am in need of help.. I have yet to hear from anyone in Fed Loan. 

My name is XXXX XXXX XXXX My phone number is XXXX Please help me, Thank you Kindly, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS REPORTING PAYMENT HISTORY ON A CHARGED OFF XXXX  ACCOUNT. IF THE ACCOUNT IS CHARGED OFF WHY IS IT REPORTING POSITIVE PAYMENTS? I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE REMOVE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Fees charged for closing account

I spoke with XXXX ( BB & T corporate investigations ) on XX/XX/XXXX concerning a {$1000.00} wire transfer that came into my account. I now have realized I will suffer financial loss if this wire is reversed. This was fraud outside of my control and I do not give permission for BB & T to debit {$1000.00} from my account and wish to have my remaining funds in all accounts sent to me certified check. 

I have also consulted with my Lawyer concerning this matter and they will get involved if needed pending the outcome. 

XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

Equifax and XXXX report an account with XXXX is in collections. I have no account with XXXX and have had no communications from them about an overdue account. Suspect fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

I have been trying to dispute many collection accounts that were inaccurate and or falsely reported on my three credit reports with very minimal results until I submitted complaints with the CFPB and got results from both the credit bureaus and the actual collection companies. But, Equifax still has an account listed as open and with balance in collection! I had disputes listed with Equifax and even get email correspondence stating results are posted ( for only a few more days now ) and yet I can not even log into the website with my personal info and unique Confirmation Numbers!? I keep getting the same error message of : We are unable to Process your request ... .. 
My results from using CFPB even had the collection agency replying saying they have sent corrected and updated info TWO TIMES to the credit bureau and yet still listed at Equifax? I would like to know ( view ) why Equifax has not fixed this, but unable to even re-dispute ( send more documentation ) anything without access to their website?! I have contacted their customer service only to be told I must contact them directly? I thought I WAS contacting them? Do I need to show up in person for a meeting? This is ridiculous! 
Needless to say, during this long process I have been denied for leasing on living arrangements due to all this wrong information and the needed points were not gained/showing to grant me loans/application approvals. 
I have attached my documentation and screen shots of Equifax error message, correspondences and account numbers.
Complaint sub-issue: Attempted to collect wrong amount

Recently, I did an investigation on my credit report which caused severe XXXX and XXXX upon my search I found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification- description of reinvestigation procedure. I have recurring collection that has been reported and asked to be removed several times. This XXXX XXXX XXXX has been unlawfully requesting {$100.00}. The account number ends in XXXX. I also have an inaccurate balance of {$4500.00} with XXXX at XXXX ( Hunter Warfield ). This company is reporting a false and inaccurate debt amount. The account number ends in XXXX. I would appreciate it if both of these accounts could thoroughly be looked into.
Complaint sub-issue: Information is not mine

Somehow its showing that I have an debt with a circuit court, but when I went down there to the court they stated that they dont know why these judgements are showing on my credit report. This judgement does not belong to me. Along with numerous inquiries and open accounts without my consent such as, XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Overdrafts and overdraft fees

YESTERDAY MORNING ABOUT XXXX OR XXXX XXXX ON XX/XX/18 I VIEWED MY ACCOUNT AND WITH ALL PENDING ITEMS I WAS XXXX PLUS DOLLARS SHORT/NEGATIVE. SO I TRANSFERRED XXXX DOLLARS TO AVOID THE FEE. GUESS WHAT I GOT IT ANY WAYS. I HAD NO OTHER PENDING ITEMS FOR THAT DAY, BUT LATER ( XXXX ) THAT DAY I BOUGHT MY SON WATER WHICH WAS AFTER I HAD TRANSFERRED THE XXXX IT LEFT ME WITH XXXX DOLLAR AND SOME CHANGE. WHICH IT ALLOWED THAT TRANSACTION TO GO THRU FOR THE WATER. HERE IS THE PROBLEM NOT ALL OF THEIR ONLINE AND APP SHOW THE CORRECT INFORMATION AND NEITHER THEIR SYSTEM AS WELL .THEIR SYSTEM GIVES THE BANK EMPLOYEE A BETTER VIEW OF THE ACCOUNT WHERE AS THE CONSUMERS VIEW A MUCH MORE DIFFERENT AND HARD TO UNDERSTAND VERSION ONLINE OR THRU THE MOBILE APP. SO BEFORE I WENT TO BED MY ACCOUNT WAS OKAY UNTIL ALL THE ITEMS POST AND THEN IT SAID THAT I WAS XXXX DOLLARS AND SOME CHANGE NEGATIVE BY THE END OF THEIR BUSINESS DAY AND IT WAS SHOWING ME THE XXXX DOLLARS AND SOME CHANGE BY THE END OF THE BUSINESS DAY MINUS THE XXXX AND SOME CHANGE PURCHASE OF WATER. I DID A CHAT VIA INTERNET AND SPOKE WITH XXXX AND SHE WASN'T NO HELP
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

creditor decreased my credit limit from XXXX to XXXX witch affected my credit score and my credit went from very good to goo i tried contacting creditor and they told me it was because i had not used my credit card acct. CBNA XXXX XXXX XXXX XXXX XXXX, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Complaint sub-issue: Account status

Need to remove the comments on the XXXX account ... The settlement made with XXXX was for the " FULL '' balance not " less then full balance ''.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I had my identity stolen and that account was opened in my name. I tried to dispute it but the credit bureaus didn't respond and the company didn't respond.
Complaint sub-issue: Debt is not yours

I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.
Complaint sub-issue: Account information incorrect

the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active XXXX XX/XX/XXXX, on XXXX it says XX/XX/XXXX and equifax XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$10000.00} ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF EDXX/XX/XXXX 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I have opened a bank account with Citi bank because I saw that they are offering a {$500.00} bonus. I have met all the conditions but Citi won't give me my bonus.
Complaint sub-issue: Debt was result of identity theft

Yesterday, XX/XX/XXXX, a company fraudulently tried to extort {$3200.00} from me. Then the lady, XXXX XXXX, Supervisor, said I could pay {$680.00} by Monday, XX/XX/XXXX to not be subpoenaed ( with or by ) XXXX County or for me to have to get an attorney and go to court. I do not know anything about this issue. She was threatening me with the attitude, " pay up now ''! Via phone she said this was " reported in XXXX. '' She said they sent letters to me, and I never received any letters she suggested they sent. This was extremely upsetting to me. I obey the law and do not have any credit issues. I am on Social Security. I felt harassed and that she was pushing to take advantage of me. She did say that XXXX. XXXX  was a legal firm, and the Creditor was US Bank! She was a fast talker and had me in knots. 
I did give her my email address, so she could send their letter to me on XX/XX/XXXX. It shows on their letterhead, XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, phone XXXX. That letter they sent to me via email will not print, and it won't allow me to forward the letter either. Their phone number shows up as TxTag, where people can pay for highway tolls in TX! I believe this is fraud and I.D . theft. Please help stop this fraud against me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX XXXX XXXX is not XXXX XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX  amount {$630.00} incorrect its over double the limit. Its INCORRECT. 
Date opened XX/XX/2018. Date delinquent XX/XX/2018.
Complaint sub-issue: Confusing or misleading advertising

With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I learned through social media that Equifax mishandled my information which led to a security breach -- putting myself and 143 million others at risk of identity theft. It has been roughly one month since the breach occurred, and I was not notified by Equifax in any way ( e.g., mail, email, phone ). Learning of this breach has cost me several hours, personal distress, and likely my money as I plan to pay the dues required to freeze my files to protect myself from Equifax 's breach.