Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

I have applied for many credit cards Through credit karma that offer guaranteed approval, Only to be denied via a credit check. I've also applied for debt relief personal loans personal loans pretty much all of the guaranteed indeed stress relief that they offer only to find out I just Damage to my credit score even worse. To be honest with you you can look at my applications I'm sure someone can find out I've been going through this with them for 10 years.
Complaint sub-issue: Public record information inaccurate

My XXXX account was frozen due to a report of one speeding ticket. The report is false. The speed limit on the report was hire then the actual speed I was going at the time. 45mph on a 35mph road. The police officer had to purposely stated false information about me. Please help me. I need to work. I am a XXXX  and this is the only part time job that I can live off right now. 

Thank you.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the Credit Reporting Agencies on XXXX XXXX, XXXX, requesting the Credit Reporting Agencies to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the Equifax data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX  XXXX-Date of inquiry XX/XX/
Complaint sub-issue: Account information incorrect

On my report with Equifax my score is XXXX now if I don't have anything in collection, no late payments and the only inquiries are auto from Equifax and XXXX XXXX how could my score be so low. No repose, No bankruptcy, everything I see on my report is current so how is my score so low.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX DELETED ON XX/XX/2019 AND WAS RE-INSERTED W*O NOTICE TO CONSUMER.
Complaint sub-issue: Debt is not yours

In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I purchased a prepaid XXXX giftcard on XX/XX/XXXX at a XXXX grocery store in XXXX. It was loaded with {$500.00}. A few days later I opened the package and attempted to use the card and was denied. I went to check the balance online and it showed several transactions occuring the previous day, before I had even opened my package. It was clearly fraud. I immediately called the customer service for the card and submitted a fraud complaint and faxed in the information requested on XX/XX/XXXX. I was told the process would take at least 30 days and that I would be mailed out a replacement card after that. I called back on XX/XX/XXXX and was told the case was closed and denied because they had not received additional information they needed. No one had ever called or written to me to request this additional information. They said they could re-open the case if I submitted the information. I submitted the information on that date and then called back a few days later to check that they had received everything and that it was all they needed. They confirmed it was, and that I would have to wait another 30 days, for the bank to respond. After 30 days, I repeatedly called back, about twice a week, beginning XX/XX/XXXX, to find out information about my claim. No one in customer service could give me any information, other than the claim was still unresolved. On three separate occasions, the customer service said they 'escalated ' the matter, and that was all they could do. Finally, on XX/XX/XXXX, I received a voicemail telling me that the case was denied and closed again because it is now past the chargeback time frame. This is ridiculous as I submitted my claim within 2 days of the fraud occurring, and again resubmitted all the requested material ( including receipt and activation slip, copy of the front and back of the card ) only one month after that. The fact that they repeatedly delayed making a decision on my chargeback for obvious fraud seems like a strategy to push the case so far into the future that it would become 'invalidated ' because of time frame. The prepaid company seems determined to exhaust me in my attempt to resolve this, as I have called the company at least two dozen times since this case started, and they have refused, until my voicemail on XX/XX/XXXX, to even contact me regarding the case. I have been prompt in providing clear copies of all necessary documents and I find it egregious that this company has spent four months putting off a decision to me regarding this case and then claims that now the chargeback falls outside their time frame. I refuse to allow this clear case of fraud to be perpetuated.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | XXXX : XX/XX/1970 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello i sent multiple letters out to XXXX and XXXX about these inquires on my report but noone has gotten back to me yet on my XXXX account i have 4 inquires and on equaifax i have 17 thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from 2016 and i have no idea what they are.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is  among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Their investigation did not fix an error on your report

ON XX/XX/XXXX I WENT TO A XXXX DEALER IN XXXX, AND APPLIED FOR A LOAN TO BUY A CAR, THEY WENT AHEAD AND RAN MY CREDIT WITH 5 OTHER BANKS WITHOUT MY AUTHORIZATION, NOW I HAVE ALL THOSE INQUIRIES FOR NO REASON, EVEN WORSE I DID NOT BUY THE CAR THERE..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credco Please see attached letter in response to your letter dated XX/XX/2021.
Complaint sub-issue: Public record information inaccurate

We filed chapter XXXX bankruptcy and the bankruptcy was closed in XX/XX/2018. Citi Bank had an account on our bankruptcy for Home Depot. Citi Bank had a judgement against us, which was on the bankruptcy filing. We have been trying for approx. 3 weeks to get Citi Bank to send a release on the judgement, as it is holding up our closing on a home. Citi Bank recovery dept.is telling us that they don't need to do anything, since there was no lien. Our mortgage company won't close without the release.
Complaint sub-issue: Problem during payment process

I have auto pay setup for my upgrade.com credit card. For the past two months, my auto payment goes through and a day later I get an alert that i owe few dollars. The auto payment is automatically set to deduct the minimum amount due. 

A day later my account shows an outstanding balance of a few dollars. I go ahead and pay it ; The account page then shows i owe XXXX cents. This has happened for two months in a row. I called last month and could not get through. I called yesterday and sat in queue for 35 mins only to have my call dropped. I have emailed the company last month and this month. I get an auto reply stating they will review and get back to me.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Employer : UNKNOWN Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020
Complaint sub-issue: Transaction was not authorized

Subsequent to filing cfpb complaints against PNC Bank and other Federal reports ingredients and Department of Human Rights complaints PNC Bank decided to break the law which prohibits retaliation if you as a witness complain against a business to the government or its Affiliates or subsidiaries whatever I got a threatening letter from PNC Bank by which I receive my Social Security and SSI from into their Bank I got a letter stating that they would be closing my account in issuing refunds during periods when an investigation with the cfpb is pending I take it they 're going to attempt to destroy evidence falsify records even more and Destroy any files or anything that could have been a supportive on my case against their video footage debit cards have already been altered and destroyed even people in fact one of my discriminations went missing left the bank facility as a branch manager overnight just never saw him again and I have a subsequent to file in the Civil Rights charge now this this Bank owes me more than {$4000.00} in transactions that went through and that were allowed under-9 matching to the debit slash credit mechanism card which was used that someone used sending an inmate cash from my account to prison the bank has refused me my money back and engaged and nothing but unlawful actions I want this Bank find and shut down and a full return it is bank is to cease and desist from closing anything until I give them permission to it 's nothing but retaliation which is illegal even in banking
Complaint sub-issue: Trouble with how payments are being handled

The below is a copy of a letter I sent to my loan servicer more than XXXX years ago. It best describes what has happened to me. If you want the supporting documentation, let me know. 

* * * * * * * * * * * * * * * * * XXXX XXXX, XXXX VIA FAX : ( XXXX ) XXXX XXXX Fedloan Servicing XXXX : Review for Payment Tracking, Acct : XXXX To Whom It XXXX Concern : I am writing this letter to advocate that the following XXXX payments I made be counted toward loan forgiveness. 


XXXX through XXXX, XXXX XXXX XXXX payments ) These XXXX payments are not being counted, I am told, because I was on a plan that was not a qualifying plan. Though that appears to be the case, XXXX is well aware that there are thousands of us in this position : We applied for the XXXX XXXX XXXX XXXX XXXX XXXX, and were mistakenly put on a non-qualifying plan by our ( now-defunct ) servicer, unbeknownst to us. I expressed this in detail in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. 

I have attached as documentation : An e-mail chain between me and XXXX XXXX, the Associate XXXX of my law schools XXXX XXXX XXXX, demonstrating that I knew what I was supposed to do and was acting on the correct advice ; and The original Master Promissory Note MPN I signed and filed on XXXX XXXX, XXXX, establishing Income Contingent repayment on my student loans. It bears a confirmation code as follows ; XXXX. 

As XXXX is aware, this is a widespread problem. XXXX, XXXX. : http : XXXX XXXX and XXXX, XXXX ( XXXX payments ) I was just informed via telephone that my XXXX and XXXX XXXX payments are not being counted. I am contesting that with the attached documentation. Until XXXX XXXX, I made my payments online at https : //www.dl.ed.gov/borrower/BorrowerLogin.jsp, which at some point ( but not for very long ) changed to XXXX. 






On XXXX XXXX, XXXX, I received a notice in the mail from XXXX, informing me that they would be taking on the role as my new loan servicer. When I called XXXX, however, they were not yet set up to take my XXXX XXXX payment. I made payment to the XXXX Department of Education. That check was cashed on XXXX XXXX, XXXX. I made my next payment online on XXXX XXXX, XXXX ; the first payment to XXXX. 

I have attached as documentation : My XXXX XXXX, XXXX, letter to XXXX Department of Education explaining that I needed to make a monthly payment, with Check No. XXXX attached in the amount of {$420.00} My bank statement reflecting that Check XXXX. XXXX was cashed on XXXX XXXX, XXXX, which rendered it a timely qualifying payment. 
Proof of my XXXX XXXX, XXXX, to XXXX, online, with a confirmation number as follows : XXXX. 

Both my XXXX and XXXX XXXX payments should be counted. I expressed this in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. For some reason it was not rectified for reasons unclear to me. 



Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a 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. 
also the credit bureaus took more than 30 days to investigate
Complaint sub-issue: Personal information incorrect

The PNC mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to PNC Mortgage and medical and XXXX
Complaint sub-issue: Problem lowering your monthly payments

I currently ow e American Education Services over {$ 150000.00} in student loans, my monthly payment is {$980.00} a month. I have tried numerous times to lower my payment, or come to an agreement with them since there is no way that I will ever be able to pay this back. Currently I have had to borrow money monthly just to make payments. I even tried an income based payment but they do n't offer those programs.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke to an EQUIFAX representative that advised that I needed a valid police report or an FTC document indicating that the inquiries in question were unauthorized. No other solutions were offered and incorrect information was not deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and  Equifax has not resolved my issue. There are 10 inaccurate accounts that are reflecting on my credit file that need to  be removed immediately. These accounts were all showing included in Bankruptcy XXXX XXXX however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letters that I received from Equifax which shows all these accounts show in the comments section included in Bankruptcy XXXX XXXX. The accounts in question are 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. 

My data was breach in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.