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

LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX  XXXX a subsidiary of XXXX XXXX  called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Complaint sub-issue: Fraudulent loan

XXXX XXXX XXXX XXXX has the wrong social security number for our contract .the contact does n't match up with our real social security number.
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 to 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: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


US DEP ED XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX****, XXXX   XXXX****, US DEP ED XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**** and XXXX XXXX XXXX****
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, there are unauthorized inquires reporting on my credit report
Complaint sub-issue: Information belongs to someone else

he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim
Complaint sub-issue: Problem accessing account

PNC Bank has stopped connection to 3rd party websites to help with accounting services, XXXX for example. This has been an issue since XX/XX/XXXX.
Complaint sub-issue: Information is incorrect

My name is XXXX XXXX I was changing insurance from XXXX to XXXX and my cost jumped {$60.00} a month because of lexisnexis claiming that I have a violation on my driving report. I addressed this with lexis nexis and send my full driving record to them kn XX/XX/XXXX and asked for my consumer report on the XXXX and I haven't receive any correspondence from them as of today. I am a XXXX XXXX and depend on my driving record for my employment.
Complaint sub-issue: Reporting company used your report improperly

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple credit inquiries on my account that were not authorized nor did the reporting companies have my consent to run my credit. I even have a few companies that reportedly pulled my credit report multiple times within a time span of 3-7 days. In XX/XX/XXXX I was searching for a new vehicle and I because I knew how dealerships worked, I specifically told the salesman at XXXX XXXX to only run my credit ONCE with the one lender that would give me the best rate based off my income and the range of the credit score I provided. My car is financed through XXXX XXXXXXXX XXXX. Once I was able to receive a copy of my report I immediately saw they did exactly the opposite and ran my credit report through multiple companies, WITHOUT MY CONSENT. Around that same time I did also call XXXX to inquire about vehicles and the process and that company also ran my credit, reporting in multiple inquiries, without my consent. I contacted the credit bureaus to have them delete the inaccurate information and they told me to contact the companies that reported the inquiry. When I contacted the different companies they told to contact the credit bureaus to have the information removed. I once again called all three credit reporting bureaus but this time was told that inquiry are a " factual request of my credit information '' and therefore could not be deleted, whether I gave my consent or not. I also told them that in between the years of XXXXXX/XX/XXXXmajority of my inquires had indeed fell off due to a system error and breech but were illegally placed back on my report. I told the companies that by law they had 5 business days to notify me of such activity and they apologized for the system error but still refused to delete the inaccurate information.
Complaint sub-issue: Debt is not yours

On XX/XX/2018 i disputed with the CFPB about PMAB , llc and they company responded that is was to be deleted from my credit reports. I disputed it with the credit bureaus and on XX/XX/2018 PMAB , LLC updates the credit bureaus as accurate. I was also sent a letter form the company that they deleted it from my reports and now they are still showing in there. I'm only writing this to let CFPB know that this company is shady and has been lying to you this whole time. I am taking legal matters as of Monday morning XX/XX/2018 i will be filing suit against PMAB , LLC and suing for damages and negligence from their company. I have the letter stating they were deleting it and copies of the complaint numbers they responded to on CFPB as well. I will have a judge from the courts have them comply with the letter and their responses here on CFPB
Complaint sub-issue: Was not notified of investigation status or results

Sometime in mid-  XXXX   2017, I disputed an account for   XXXX   XXXX    that was listed on my Equifax Credit Report in the amount of {$1600.00}. The item was disputed and I later received confirmation through  XXXX , a credit monitoring service, that this item was removed from my Equifax Credit report. Sometime around   XXXX   XXXX  , 2017, the same item was attached back to my credit report without my receiving 5 days notice from Equifax ahead of placing the debt back on my credit report.
Complaint sub-issue: Information belongs to someone else

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.
Complaint sub-issue: Unable to open an account

I opened a checking account through US BANK I didnt have the account that long and the account ended up closing but I ended up making the payment to the account and im.still.not able to open an account anywhere. When I went to pay the bank.account off the teller at the window said that it should have posted that i.paid it.. All I'm trying to do is not have to have greendot cards anymore so I would like to know what the. Next step to be able to get this fixed so I can open an actual checking account
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX, Equifax and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I asked Equifax to remove inquires off my account that I did not recognize. Their response was that I had to submit supporting documents to remove the inquires. I stated to the Equifax representative that I would have not supporting documents since the inquires were not authorized by me. Unfortunately, they kept saying I need supporting documents. 
The Inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

ads/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
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This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Complaint sub-issue: Reporting company used your report improperly

Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XX/XX/XXXX and I was not notified personally that my information was at risk. Instead I had to find out in reports in XX/XX/XXXX that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
Complaint sub-issue: Funds not handled or disbursed as instructed

We transferred {$4400.00} via ACH transfer from XXXX  XXXX XXXX to Citi bank located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX  in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( XXXX ) to amend the request and correct account number. I contacted immediately to XXXX customer care and they said we can't do anything except sending recall request for ACh transfer. I called every day to check the status but XXXX always informed that it can take upto 45 days for citi bank to respond. We tried to contact multiple times to citi bank and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between citi and XXXX XXXX XXXX. Till now we made more than 20-25 calls to XXXX  XXXX XXXX and citi. 

Today I called XXXX XXXX XXXX and they are saying Citi replied back that they can not reverse the transaction. 

I don't understand, why can't they reverse the transaction? why it's been holding from almost last 3 months? 

Really really bad experience ....!! I
Complaint sub-issue: Received bad information about my loan

i was registered as a cosigner on a student loan with citibank. in XXXX it was electronically signed. with out my permission. i was not givin any loan information as to the amount of loan or the intrest or payback policy of this student loan. i requested to be removed from this loan as co signer as it is not mine. citibank refuses to remove me and has also attacked my credit rating with this default loan. i am unable to work with citibank student loan on this issue. they are holding me responsible for this loan which is not mine. my credit rating has suffered for years with this problem. iam paying higher rates and not getting low intrest loans because of this. i request help in this matter. Thank you XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I am a Federal Government employee that has student loans with FedLoan due to the Public Service Loan Forgiveness Program ( PSLF  ). On XX/XX/XXXX FedLoan approved my Revised Pay As You Earn ( REPAYE ) plan and increased my monthly payment from {$630.00} to {$1200.00}. For their evaluation of my REPAYE application FedLoan solely used my XXXX tax return provided by the IRS and did not consider any other information. I am married and we file taxes jointly. We have XXXX dependent child that is XXXX years old. I do not understand how FedLoan doubled the monthly payment amount because in XXXX we earned {$3700.00} more in wages than in XXXX. Our personal circumstances are the same than in XXXX so I do not understand how FedLoan reached this amount. I need my REPAYE monthly amount re-considered because it is shocking that my payment doubled from {$630.00} to {$1200.00} for just earning {$3700.00} more in one year. 
Additionally, the REPAYE evaluation does not take into consideration that my wife and me have additional student loan payments ; that our mortgage payment increased from {$2000.00} to {$2400.00} ( {$320.00} more ) in XX/XX/XXXX ; that we have to pay {$860.00} in daycare a month ; that we paid {$2400.00} in our XXXX taxes ; that we have to pay utilities, car insurance, health insurance, etc. Respectfully I need FedLoan to consider the totality of the obligations my family has to pay a month to recalculate my REPAYE plan.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have a {$25.00} gift card with DEBT and Visa on its face. Card # XXXX XXXX XXXX XXXX exp XX/XX/21. 

I try to register it on line so I can use it but fail to log in as it does not recognize the card # and code. I subsequently called XXXX XXXX trying to resolve the issue but only get recorded msg that kept on saying it does not find my card # reported. In the recorded msg the only other option given is to cancel the card, which I did not intend to do. then it just hang up with giving me opportunity to talk to a life person to resolve the issue.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXXEQUIFA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 XXXX It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Complaint sub-issue: Trouble getting a working replacement card

i was suppose to get my unemployment and my ex sister n law went to check my mail and i guess she stole my card i didnt even know i had one until i got a letter in the mail i dont no how tpo get into the account are if she stole my money that was supposed to be on there to and if she did how can i go about getting it back
Complaint sub-issue: Investigation took more than 30 days

It has been over 30 days with no results.
Complaint sub-issue: Other problem getting your report or credit score

Ive sent my social security card my drivers license and w2 many times MANY times to Equifax who have some style of block on my account and have refused to remove it I have been on the phone many times and have sent them so much info and they still will it releases my Credit file. 
Now I can not get into myEquifax and when i did I no longer have a credit score They are also refusing to give me a copy of my report.