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

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I entered a settlement with XXXX XXXX. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act AmeriCollect, 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: Right to dispute notice not received

I was made aware of a voicemail. The caller stated their name, no company and a file number. Prior to returning the call, I was able to discern the call came from Oxford Law LLC, a debt collection office. This is the first time I have knowledge of attempting to be contacted by this office. The caller did NOT leave the mini miranda in the message as required. I subsequently left a message for the caller stating i was recording the call ( whichi did ), advised I was not admitting to any debt, and requested a written disclosure be sent ( being they had made first contact ) to me in the mail. I left my home address. The same caller leaves a message again the following day, stating she really needs to speak with me.
Complaint sub-issue: Their investigation did not fix an error on your report

Involved parties Equifax equifax info services  XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and Im not responsible for account regardless. Equifax said they investigated it but informed me XXXX has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with equifax in XX/XX/XXXXXXXX  on XXXX XXXX account that I was authorize user on but not anymore. 

Got results XXXX They said the account belong to me but it does not. 

Called XXXX XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and Im not listed on account, they filled a dispute to send to bureaus Called XXXX XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called Equifax XXXX all they did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying XXXX verified it was mine but when I called XXXX they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Complaint sub-issue: Trouble using the card to pay a bill

My reliacard was frozen 3 weeks ago because of a fraud check. I called the company and was told to verify my information on their website which I did. They never made my card active. I called back and they told me to fax a copy of my license over and resend my license picture through the website which I did. I keep calling to find out why my card remains inactive and they can't give me an answer. I need to pay my rent or else I'm getting evicted. They said it should take 7 business days but it has been 3 weeks.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION. 
I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX Equifax account XXXX : XXXX, XXXX Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you Equifax and XXXX XXXX XXXX XXXX  made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX

15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 XXXX. XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I sent in a billing dispute with CitiBank for a XXXX $ purchase to a online training that turned out to be terrible. I asked for a refund given that they had a '30 day money back guarantee '' but then out of nowhere they sprung on me that apparently they didn't have a money back guarantee. So in response I disputed the charges. 

Attempts to get refund : XX/XX/XXXX Email to XXXX and XXXX XXXX XX/XX/XXXX Call from XXXX to persuade me to continue program XX/XX/XXXX XXXX Calls to further convince me to continue XX/XX/XXXX Dispute started. Email sent to XXXX XX/XX/XXXX Dispute Ended XX/XX/XXXX Called Customer Service with apathetic response to ignoring my billing dispute. 

CitiBank is not reviewing emails/logs of the calls that I have sent to them and have cancelled the review of my dispute despite having telling me they would resolve it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent 2 certified letters to Equifax and XXXX regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair act, XXXX XXXX XXXX  Account 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 connot furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Complaint sub-issue: Trouble with how payments are being handled

I had an agreement that automatic payments were to be withdrawn the XXXX of every month. The payment was withdrawn after the XXXX resulting in the more interest being paid. 

Also, the company cancelled our agreement without proper notification and explanation of cancellation 2 years after payments had been made. They have since placed my account in default and have significantly impacted my credit standing due to an error on their part.
Complaint sub-issue: Problem making or receiving payments

Reported XXXX  fraud transactions which was denied i have a police report and legal evidence against the scammer and still got denied. tried escalate the dispute but got no response. 
XXXX Case number XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is showing I was 90 days past due in XXXX through XXXX of XXXX. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.
Complaint sub-issue: Account status incorrect

XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. XXXX XXXX XXXX Bank is not reporting the same account number to all 3 credit bureaus XXXX XXXX XXXX XXXX Bank is not reporting the same Account type to all 3 credit bureaus, XXXX XXXX XXXX Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to XXXX XXXX XXXX Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( XXXX ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Complaint sub-issue: Other problem getting your report or credit score

I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, Equifax have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.
Complaint sub-issue: Debt was result of identity theft

ERC debt collection company is reporting this account to my credit report stating that spectrum has told me that I owe this debt. However this was a result of Identity Theft that has been tied to police report number XXXX in XXXX County Indiana. I have since completed the proper paperwork with spectrum for them to hand this account but I would like for this to be removed from my credit IMMEDIATELY!
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, it was announced that Equifax was the victim of a massive hack due to vulnerabilities in its system. My information was among millions of SSNs, DOBs, names, and even DL numbers obtained and now likely being traded online. Moreover, it has also widely been reported that several Equifax executives sold a large portion of stock prior to the announcement, having already sat on the news for more than a month after the hack was discovered. This reeks of insider trading and maliciousness. Finally, when I went to Equifax to resolve the issue, I was not only waitlisted to receive a woefully insufficient period of credit monitoring ( 1 year ) given the circumstances, I was also informed by its Terms of Service that taking part would prohibit me in taking legal action in the future should my identity be stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to dispute to XXXX XXXX using Credit Karma if they could consider a Goodwill request removing late fees I had back in 2018. It was a 30 day late and the full credit line was paid days later. Since I have never been late on either of the two accounts i have with XXXX XXXX. Credit Karma is only submitting responses or request I have sent in the past and will not allow me to send the request Im asking for.
Complaint sub-issue: Problem getting your free annual credit report

I went to XXXX XXXX XXXX XXXX  to get my credit report from all three agencies. 

Equifax stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and XXXX  did not provide credit scores and had additional steps to retrieve these scores.
Complaint sub-issue: Can't decrease my monthly payments

Called Sallie Mae XX/XX/2016 : XXXX asked for help with deferment payments the woman on the phone said " The credit collectors would get ahold of us '' and there is nothing we can do for you at this time. XXXX Asked " is there anyone you can transfer me to that can help me with more information? " .... " not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they do not have a rates and reduction program, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to help me. I asked to be transferred back to customer service and was connected with XXXX ( Florida ). Wrong department. XXXX ( servicing general ) XXXX informed me that I was transferred to the wrong department. I informed him that both collections and customer service had told me that they were unable to help me out. He then called over to customer service for me to see if there was anything to be done. Transfered once again, to XXXX in Escalations. She informed me that my account must be in delinquency in order to apply to rates and reduction program. 

In a subsequent call we were told that we were put on a rates and payments program, where our rates would be reduced as would our payments which would be capped at XXXX, but the payback period would be 30 years. 

XX/XX/2016 : Sallie Mae call I called Sallie Mae to talk about why my account read ( approx. ) negative XXXX dollars. I was put on with someone who told me that our Sallie Mae loan account was signed up for a {$120.00} auto draft from our checking account, and that this would be for three months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that after XX/XX/XXXX our account would be updated to reflect the fact that we were on the new program. 

to date our loans are still not adjusted as " Rate and Reductions '' rates that were were supposed to be paying, but instead we are supposed to still be paying the nearly {$500.00} a month for all our loans instead of {$120.00}. We can not stop getting the run around and we are struggling financially mostly due to the issues and over payment to XXXX/ Salei Mae '.
Complaint sub-issue: Investigation took more than 30 days

XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Fees charged for closing account

PNC Bank - deceptive business practices I opened an account in early 2020 to take advantage of a promotion they were running. Per the agreement, my biweekly pay was deposited in the account and I satisfied the requirements to receive the promotion. 

Over the months that I had the account I found myself dissatisfied with functionality and ease of use with things as basic as transferring money. I then began to notice a monthly maintenance fee, which I do not recall seeing in the initial account disclosures, though I am sure it was. I never requested a fee credit, but it left a bad taste in my mouth. 

Ultimately, I decided to close the account in favor of my local credit union. When I called to close, I asked about fees and none were disclosed. Upon receiving my final distribution from the account, I noticed that it was less than I expected by {$25.00}. I called my local branch and was advised that an account closure fee applied because I had closed it within 6 months of opening the account. I explained that I had not been made aware of said fee, but the branch employee advised that she was sorry but there was nothing that could be done. 

Fast forward a couple of weeks and a PNC employee called me to discuss the situation. She was from the Executive Client Relations team and asked what she could do. I again explained that I do not believe it's right to hide the fee when I requested the account closure, and she said she would review the call. Today, I received a call stating that she was sorry that the fee was not disclosed when I called, but it was in the initial account disclosure, so have a good day. 

It is a deceptive practice to hide fees, regardless of whether it was in the 50 pages of fine print I received when I opened the account 5.5 months earlier. PNC should have disclosed this and given me the option to keep the account open for a couple more weeks had I desired to do so. This is a symptom of poor internal controls and a lack of consideration for their customers.
Complaint sub-issue: Billing dispute for services

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to Discovers CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Complaint sub-issue: Information belongs to someone else

Please remove this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove
Complaint sub-issue: Debt is not yours

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX  XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and XXXX of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of XXXX of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 

I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to remove account " XXXX XXXX '' from my credit report, even though i had provided proof that i am a victim of identity theft,. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA
Complaint sub-issue: Information belongs to someone else

THIS IS A DIRECT RESULT OF IDENTITY THEFT. XXXX XXXX IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I recently applied for a PPP loan though a lender. 

I am writing regarding a recent email that I received regarding my recent application through Square for a PPP ( paycheck protection loan ) loan enclosed I have attached a copy of that email received on XX/XX/XXXX. 2021 The email states I was denied a loan because of my past criminal history I asked that the lender forward to me in written form the following information : Specific crimes or convictions that this decision was based upon. 
Date of convictions of any and all XXXX convictions this decision was based upon Jurisdiction of the conviction that this decision was based upon Name of the Court providing such records of convictions this decision was based upon. 

Please forward all to me at the following address XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX XXXX For any questions I may be reached at : Thank you for your time and attention XXXX XXXX
Complaint sub-issue: Personal information

asked credit bureaus to remove inquiries on my report that i did not approve
Complaint sub-issue: Card was charged for something you did not purchase with the card

I contacted XXXX about fraudulent charges that were made on my account and the customer service representative told me that they wouldnt be able to issue anew card or remove my fraudulent charges since the account was closed due to non-payment. I was unaware of this these charging that were made.. To my knowledge I didnt owe a payment because the account wasnt being used.