Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report from Equifax and found the following item to be error. 

The following address listed below does not belong to me & must be removed immediately : XXXX XXXX XXXX XXXX, XXXX GA XXXX
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please r

emove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX MACYS Account Number : XXXX  This is not mine.

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX This is not mine.

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX  Account Number : XXXX  This is not mine.

14. Identity Theft XXXX  XXXX  Account Number : XXXX  This is not mine.
Complaint sub-issue: Attempted to collect wrong amount

Back onXX/XX/2017 i submitted a complaint with CFPB in regards to my the invalid debt of the account associated with Hunter Warfield. They corrected the debt owed reporting to the 3 credit bureaus. As of today, they are incorporating interest on a debt that has a firm amount owed in which it is XXXX. The other account with XXXX XXXX is currently at {$830.00}, which is still stating I owe {$1000.00}, which is being reported. I came to a monthly agreement on a 24 month payment plan in the amount of XXXX, until debt is satisfied.
Complaint sub-issue: Received bad information about your loan

I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, Nelnet. Before Nelnet, my servicer was XXXX XXXX for XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Complaint sub-issue: Information belongs to someone else

XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty five min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Equifax, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically
Complaint sub-issue: Account status

I as well as the Original Creditor sent documentation as proof the account has been closed -Settled in Full. Equifax still refuses to report the account as a Closed collection on my credit report. The account is currently showing as an Open Collections.I as well as the creditor have reached out to Equifax to update their Database accordingly. Multiple disputes have been initiated with no resolution. I am not asking the account be removed. I am only asking that my credit file report it as a closed collections account, instead of an open collections Account as per the Document from the Original Creditor. Please see attached document as proof of account status.
Complaint sub-issue: Trouble with how payments are being handled

In late  XXXX  or early  XXXX   XXXX  I called the Fedloan He lp, Inc. It  was advertised on the radio FM  XXXX  in Delaware. It was to help you with getting lower payments on your student loan. On  XXXX / XXXX / XXXX  Fedloan Help,  Inc beg an to deduct {$38.00} from my account every month on the  XXXX . On  XXXX / XXXX / XXXX   XXXX   XXXX  loan of which my student loans are with called and informed me that no payments were made toward my student loan by Fedloan He lp , Inc. I was to ld they are a third party company and not affiliated with  XXXX .
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, # 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: Debt was result of identity theft

In XXXX, my identity was stollen and used to open a number of fraudulent accounts. I was diligent about following up regarding these accounts and getting them closed as fraudulent, by compiling the following information : - Signed and notarized Identity Theft Report ( form provided by FTC ) - Copy of the police report I filed - Copy of my photo identification - Copy of a utility bill at the time the debt was reported to serve as proof of alternate residence Every account except for one was closed as soon as I sent the debt collector this information. However, ProCollect refuses to acknowledge that this account is fraudulent and close it. 

I submitted this packet to ProCollect on XX/XX/XXXX. 
I did not hear back from ProCollect until XX/XX/XXXX when I called them back to inquire about the status of my account. 
They claim that they reviewed the packet and decided it was still a valid debt on XX/XX/XXXX, but did not provide any details for how they reached that decision, despite me providing them with all the evidence that they requested.
Complaint sub-issue: Problem with fees

Costco changed to Citibank credit card for its members. I had stopped using Costco since around XX/XX/XXXX but I was issued a new Citibank credit card which I never even activated since I had stopped using Costco. Unknown to me was the automatic membership renewal fee of {$60.00} which was charged to my Citibank credit card in XX/XX/XXXX. Even worse was that unknown to me I was signed up for paperless billing. I never saw the email bills possibly because they went into junk mail. Citibank kept adding {$40.00} fees every month plus interest since XX/XX/XXXX and I never saw a single bill. Finally I received a letter in the mail on XX/XX/XXXX from Citibank collections about my unpaid balance which had ballooned to {$250.00} from the {$60.00} charge in XX/XX/XXXX. I immediately called Citibank Customer Service to explain my predicament and even after being tossed around to 4 different unsympathetic customer service agents on the phone, they were unwilling to recognize my unfortunate situation and kept insisting on the full payment. Finally I was exhausted and settled up with a payment over the phone. This is an example of predatory lending practices where a {$60.00} charge grows to {$250.00} within 4 months. I should add that I have a credit rating of over XXXX and always pay my credit card bills in full every month. Shame on Citibank. I would like to be reimbursed for the exorbitant late fees and interest.
Complaint sub-issue: Billing problem

I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX, XXXX, Equifax and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX   XXXX, and Equifax send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.
Complaint sub-issue: Threatened to sue on too old debt

They called me. I played along knowing I have no debts and I follow my credit rating monthly on top of that. They are perusing a debt from XXXX that was my ex wife 's and even though it is well past the XXXX, the debt by divorce decree is solely hers. 

They threatened legal action, to sue me and at that time I attempted to get an address. They would not comply as i simply wanted to file a cease a desist order along with some other recommended forms such as proof of debt and so on but they would not give me an address so i told them I cant help them. 
The next day I get a text from my brother telling me someone called him saying i was being sued. I then called them back to push harder for an address and company name and managed to get one if it is even correct. 

I am a fully XXXX vet on top of that and i know vet XXXX and XXXX have special laws, not sure if any fall into this though. 

Please let me know what you need from me.
Complaint sub-issue: Deposits and withdrawals

I opened an account with etrade online. I deposited a {$2000.00} check in XX/XX/2020 and then etrade closed the account. They kept my {$2000.00} and still have not given my money. Its been 6 months
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

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: Information belongs to someone else

I have incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Complaint sub-issue: Personal information incorrect

Equifax changed my name without my authorization or any request from me to my maiden name.
Complaint sub-issue: Problem accessing account

I had a joint Citibank checking account with my wife, who recently passed away. I wanted to add my 2 adult children to the account so that they could have access to money if something happened to me. Adding my daughter was OK, but they would not add my son, who lives with me, on the account although he had his passport, social security card and a credit card offer from a different bank mailed to him at our address. He also had his Citi credit card issued with his name on it for which he is an authorized user ( I am the primary on that account ). He has a NY Lerners permit, but due to his mother 's XXXX and ultimate demise, he did not take the drivers test and it expired a couple of months ago. 
I have been banking with them for 35 years, have a considerable amount in my accounts and was only trying to take care of my kids. Since he lives with me ( and I pay the bills ), there are no statements mailed to him at our address. 
Is it true that Citibank can not add an adult child as an authorized signer on an existing checking/savings account without " proof '' of address, even if it is the address of the primary account holder?
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Talked to a third-party about your debt

I have been receiving repeated calls from this company called XXXX XXXX XXXX XXXX XXXX XXXX, a collection company in behalf of Cashcall for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Complaint sub-issue: Debt was result of identity theft

I have sent numerous letters to XXXX XXXX and XXXX to have the following accounts removed from my credit report. 
unknown account # XXXX XXXX account # XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My Identity was stolen in XXXX, and since then I have been through an uphill battle with getting these fraudulent accounts removed from my credit. I hired an attorney, I have notified the Pennsylvania XXXX police where incident occurred, and I had reported every incident to the Federal Trade Commission. Both XXXX and XXXX has been very supportive about this situation. However, Equifax had removed some of the newer accounts that posted, except one. That account is XXXX XXXX, below : XXXX XXXX, XXXX Account Number- XXXX Account Balance- {$2400.00} Date Opened- XX/XX/XXXX I disputed this account 3 times with them totaling 4 months, and they conclude their investigation stating that I own the account ( 3 times ). This is a fraudulent account, and they refuse to remove it which is a violation of section 607 ( b ) and 605 ( B ) of the Fair Credit Reporting Act. They did not provide any proof to me, and they do not have any claim or reason under 15 U.S.C. 1681c-2. I will soon be forced to bring my own civil action against this company if it can not be resolved.
Complaint sub-issue: Trouble with how payments are being handled

I submitted a request to recalculate my income-based repayment ( IBR ) amount in XXXX 2017 to FedLoan Servicing ( FLS ). I did this because my AGI had changed since my previous calculation of IBR. This normally takes 7-10 days, but for some reason it took almost a month. However, I did get a new amount at the end of XX/XX/XXXX( approx. {$310.00} ), and was issued a bill at the beginning of XX/XX/XXXX to be autodebited XX/XX/XXXX. Then, a few days after I had gotten the bill, I got notice that my IBR amount had changed. When I logged in, not only had it changed for {$410.00}, but they had placed all of my loans on administrative forbearance. This was entirely without notification or my consent. I called FLS, and after a lot of investigation I was told my account had been " reviewed '' and the reviewer had decided my original amount was incorrect and recalculated it as {$410.00}. Again, this was all without notification and consent. When the person on the phone reviewed my documentation, she determined that the amount had been right the first time, and told me it would be reinstated. However, a few days later when I got notice of the " new '' amount, which was supposed to be the old amount, it was yet another amount, this time {$360.00}. I called back, and again someone told me it would be fixed, but now it 'd be fixed too late for me to be able to pay for the month of XX/XX/XXXX. I 'm in PSLF so every month of on time payment is important to counting to my 120 payments. Also, the forbearance caused the capitalization of interest, increasing my loan amount. After complaining to at least 3 more people, I was told it would be referred to the audit department, and IF they determined it was not my fault that this had happened ( everyone I 'd spoken to agreed it was not my fault ), I 'd be allowed to make a payment sometime in the future ( she said it 'd be several months ) that could " count '' as my XX/XX/XXXXpayment, and go towards PSLF. I had to complain to several more people before it was fixed, and I am now scheduled to make my actual payment of {$310.00} on XX/XX/XXXX, but I 'm holding my breath, because who knows what will actually happen. It 's incredibly concerning that they can just go in and change the amount that 's due without any notice or consent from you. This is not the first, and I 'm sure not the last, time I 've had serious problems with this loan servicer, and every other servicer I 've ever had. The level of incompetence, lack of transparency, and customer service is mind-blowing.