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

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Problem making or receiving payments

XXXX XXXX XXXX a false statement unauthorized transaction a false statement to get money back is bank fraud to his own Bank XXXX XXXX  XXXX XXXX XXXX used to be a authorized user to my account the discover XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you
Complaint sub-issue: Transaction was not authorized

I contacted Citibank Fraud department on XXXX to inform them of various fraudulent transactions that had taken place while II was XXXX  at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I provided Citibank with the documentation showing I was detained from XXXX and thereby unable to perform any of the transactions. Due to the nature of the transactions I was provided with a new debit card and changed my PIN number. The bank informed me the matter would be investigated and I would receive provisional credit within 10 business days. On day 10, Citibank closed the matter without any investigation. This occurred three times ( XXXX, XX/XX/2022, and XX/XX/2022 ). I requested a copy of their records regarding the investigation and have not been provided with anything. 

The transactions are listed below : Checking account- XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$780.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XXXX ATM withdrawal Citibank ATM {$260.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} Savings account- XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XXXX ATM withdrawal Citibank ATM {$300.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XX/XX/2022 ATM withdrawal Citibank ATM {$800.00} XX/XX/2022 ATM withdrawal Citibank ATM {$700.00}
Complaint sub-issue: Can't decrease my monthly payments

I was in school right up until I joined the military in 2013. For the past three years I have tried to get my loan payments form Navient and Nelnet lowered and each year each company told me I did n't qualify and I had to pay back or do a military deferment. My bills would be over {$1200.00} a month and they knew I was military. In the past couple of weeks, I discovered I do in fact qualify to have them lowered and written off after 10 years of good payments but not before they added more and more interest to each and I found it out on my own. Public service does include military, do not let them tell you that it does n't. Cost me big time! 

I attended XXXX XXXX and XXXX XXXX in MN.
Complaint sub-issue: Their investigation did not fix an error on your report

I am tired of XXXX  and UPGRADE reporting false information on my credit reports. I disputed these accounts with XXXX, XXXX, and XXXX, and the bureaus failed to update my report. I included these accounts in bankruptcy and they are still reporting a balance. Also, I have fraud inquiries on my reports the inquiries are as follows : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021. I did not give these companies permission to run my credit. I don't know how they got my information.
Complaint sub-issue: Application denied

Citibank NA denied my application for an XXXX XXXX XXXX account, citing the reason : " The credit privileges on your existing accounts are currently restricted '' They had closed my other accounts that they serviced and their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. Citibank decision was therefore unfair and discriminatory.
Complaint sub-issue: Trouble with how payments are being handled

I requested my student loan payments made during the XXXX payment pause to be refunded on XX/XX/XXXX. I was told by the MOHELA agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XX/XX/XXXX. -- My loan was transferred from XXXX to MOHELA during the payment pause. I paid {$4200.00} to XXXX ( XX/XX/XXXX- XXXX XXXX XXXX  monthly payments of {$200.00} each ) and {$1600.00} to MOHELA ( XXXX - XX/XX/XXXXXXXX XXXX monthly payments of {$200.00} each ). The balance I paid directly to MOHELA was restored on XX/XX/XXXX and direct-deposited back into my account. However, the balance I had paid to XXXX and which was transferred to MOHELA remains pending after 105 days. -- When I have called MOHELA to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, MOHELA are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and anxiety. This is unacceptable.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and someone used my personal information without my consent to obtain fraudulent accounts in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for the following companies to delete and remove these fraudulent accounts my credit report as well as from its system. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. IC System
Complaint sub-issue: Didn't receive services that were advertised

I use the credit karma app and they have told me that I have been approved for a loan or credit card and that it would go on my credit report for just a soft read of my credit report. That was a lie I have so many hard inquiries now that my XXXX XXXX tanked. Any advice will help thank you
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I thought I was getting a free bag by paying shipping 5 days later my card was charged {$67.00} I contacted cash app and was told they will not do anything cause the charge is pending on my account I then contacted the company premium gadget collections they said I had to go thru my card company I have continued to reach out to cash app to no avail all this happened on XX/XX/2023 I live on a limited income I can not afford to lose money like this
Complaint sub-issue: Investigation took more than 30 days

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I cosigned a loan with XXXX XXXX XXXX in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.
Complaint sub-issue: Application denied

Certified Mail # : XXXX  XXXX Discover had discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. Discover has provided the reasons for discrimination against me which includes my credit score. Based on Discover 's policies and the Consumer Reporting Agency my credit score is insufficient to deny my credit approval. Im extending my credit to Discover.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. 

We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. 

I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. 

Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. 


Sincerely, XXXX XXXX. XXXX
Complaint sub-issue: Personal information incorrect

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY
Complaint sub-issue: Investigation took more than 30 days

I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Reporting company used your report improperly

Equifax was breached and leaked a staggering amount of personal data. 
" The breach occurred between mid-XX/XX/XXXX and XX/XX/XXXX,  Equifax said. The company said it discovered the hack on XXXX XXXX. '' according to XXXX XXXX XXXX They then proceeded to not inform anyone until 5 weeks later, which is 100 % unacceptable. An attacker could do a ton of damage in 5 weeks. And before informing their customers, several executives sold a significant amount of stock XXXX XXXX XXXX This clearly shows them worrying more about their own well being than the the well being of American consumers.
Complaint sub-issue: Problem getting your free annual credit report

XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XX/XX/XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD
Complaint sub-issue: Debt is not yours

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Complaint sub-issue: Trouble getting information about the card

I was set to receive my social secruity benefits onto a DirectExpress debit mastercard.. This month on XX/XX/2020 I did not recieve my benefits onto the card the Social Security office sent out my payment but Im unable to get a live person at DirectExpress to apeak to about my account or to even have this specific debit card closed and to open a new one. I have tried every department I can think to help me on this and there isn't anyone because Im unable to get a live person at Direct Deposit. If possible Id like to close the account on the debit card XXXX and have another card sent to me with my benifits on it. Thank you very much.
Complaint sub-issue: Account status incorrect

Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the XXXX website about credit Reporting under the Cares Act
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Frequent or repeated calls

I have a student loan with American education services. My loan is past due 19 days. I have a payment set up to pay my past due balance on the loan dated 3 days from now. I am the only one that pays on the loan every month. American education calls and HARASSES my co-signer, which is my elderly grandmother. Its one thing to call and let my co signer know that my loan is past due. But they don't provide any account information such as pending payment, account activity, etc. And she has every right to know that information, especially since they are attempting to contact her. They've tried to force my grandmother to pay the balance and enroll in direct debit. This are already things i've done. I talked to a manager XXXX about AES process for a past due account. AES refused to call my grandmother and let her know that there is a payment set up on the account and the main borrower has signed up for direct debit. Its one thing to inform my reference about the past due account but AES constantly calls and agents don't take the time to read any particulars about the account because they call and demand payment as if my loans are severely past due or as if I've defaulted on my loans. I have multiple loan services and AES is the only one that operates in this manner. Management tells me its there process to keep calling and talk to my grandmother the way that they do.