Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

XXXX XXXX My journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.
Complaint sub-issue: Was not notified of investigation status or results

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Complaint sub-issue: Deposits and withdrawals

This past XX/XX/2022, my personal bank account with PNC XXXX XXXX group was hacked online. During the time my account was hacked, I was not able to communicate with PNC bank and neither was PNC bank able to communicate with me. I did not receive any alerts or notifications during the online hack, after 60 days of internal fraud investigation with PNC bank and a police report with XXXX Fl police. PNC bank is now sending me letters notifying me that I owe PNC bank {$9300.00} and that I should receive more notification letters with more amount that I owe them. 
I had in my bank account {$3700.00} that was to pay bills, I never received my money after the investigation and I was not able to pay my bills on time due to. I am trying to take PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX to small claim court. For I am not responsible to pay back PNC money that was stolen out of my control. I banked with PNC for 9 years and never had a problem. The first time my account ever got online hacked and instead of PNC bank helping me, they confiscated the money I originally had in my bank account before the online hacking. I need help with getting my money back and not having to be responsible for paying PNC bank money that was not my fault taken from my account.
Complaint sub-issue: Problem getting my free annual report

For both equifax and XXXX I got : something happened and we are unable to process your request.
Complaint sub-issue: Other problem getting your report or credit score

Equifax- I have called on several occasions regarding not being able to access my credit file and score. I attempted to apply for a loan and was told I had no credit file pulling from equifax after I have attempted to correct this numerous of times with no help. Seems that my file has been split. I have over 90 accounts that should and have reflected on my account in the past that has now disappeared.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I want this removed from my credit report asap.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!
Complaint sub-issue: Public record

I have provided the attached letter from the originator of a judgement that was obtained against me by mistake. I have forwarded this letter to the XXXX major credit reporting agencies and all but has remove the item from my credit report. Equifax is the only agency that has not removed the judgement and they have not responded to numerous letters on the subject. I have now been turned down for a refinancing of my home by my current mortgage company, XXXX XXXX XXXX, and this item was XXXX of the reasons stated for the rejection. This refinance would have decreased my monthly note payment by over {$1200.00} a month.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been reporting fraud charges to US Bank that have occurred repeatedly over the past 16 months. This occurred with five cards. Four of the five were US Bank cards ( one personal checking debit, one business checking debit, one business credit card and one personal credit card. The fifth card was with XXXX XXXX ( a personal credit card ) and they have been responsive and making efforts to reverse the charges. I have filed several reports with US Bank, met with bankers, spoke with branch managers, spoke with the corporate fraud department, and finally, two superintendents in the fraud department. Each time, I was starting over with each representative because they told me that they do n't have the adequate information to process the cases. What little was processed, was mostly reversed and they charged it back to my cards. 
These transactions were obviously fraudulent. They did not match my spending habits. 
The suspect was repeatedly doing ATM transactions from my credit cards, often times on a daily basis, for the max of {$500.00} each time. I was in the hospital for extended lengths of times on various occasions and I can prove that it would not be me making those withdrawals. I have submitted a police report, statements with the fraudulent transactions highlighted, a break down of when I was an inpatient in the hospital and the police have videotape of the suspect. He is also being suspected as the person who broke into my home, stole my car and my mail, as well as opening a credit card in my name from a " pre-approved '' application. 
This fraud is currently exceeding $ 32K and the bank not only is refusing to deal with me on these claims, they already shut down my debit and credit cards ( without notifying me ) and then they sent me a certified letter today letting me know that they are closing down my accounts completely and they will no longer do business with me. This is a bank where I have done reputable business for over 15 years, without any previous issues. 
My most recent communications were with " XXXX '' in US Bank corporate fraud department at XXXX XXXX in late XXXX and then I was later referred to a " XXXX '' at XXXX XXXX. The main number for the fraud department is XXXX. I have also followed up with my local branch office in the past two weeks with XXXX XXXX, XXXX XXXX ( both supposedly branch managers in the XXXX XXXX, MN office ) and XXXX XXXX. All were unable to assist me further. I also contacted " XXXX '' in the XXXX branch in XXXX. He is now out of the country, so nothing has been accomplished with that either. 
I completely disgusted that the bank never made an effort to contact me when they suspicious charges started occurring. When I was in the hospital, I was unable to closely monitor my accounts. These transactions have also cost me withdrawal fees, overdraft fees and an enormous amount of interest. Not to mention that it has drained me financially and it has ruined my credit score. I need some assistance with resolving this matter.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

This company contacted me by email after government release information on XXXX student loan agencies, they promise to step in and make full payments as of XX/XX/2021, and by XXXX of 2021 I myself had my own loan discharge and no thanks to the company who made no payments to the student loan nor have I received any refund of the {$780.00} taken from my bank account. Wire fraud is a crime and if this continues all education institutions will be questioned..do n't answer any phone calls making promises that can only hurt your future Guidance XXXX a month evidence is attached.
Complaint sub-issue: Problem getting my free annual report

The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and 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 accounts that are reporting on my Credit Reports : XXXX. CXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I received an email from Citi Bank on XX/XX/XXXX advertising that if I open a checking account and deposit {$15000.00} for 60 days I would receive a {$400.00} cash bonus. The full terms and conditions can be found at this link XXXX XXXX   XXXX? XXXX I opened and funded ( {$15000.00} ) an account with Citi on XX/XX/XXXX. I called Citi shortly after and confirmed that my account was in good standing to receive my cash bonus. Shortly after XX/XX/XXXX I called and confirmed that I had met the requirements to receive my {$400.00} cash. I was instructed that now that I have met that requirement, I could withdraw money from the account. On XX/XX/XXXX, I withdrew {$5000.00}. 

Today, XX/XX/XXXX, I called Citi 3 times and each representative has hung up on me. The last representative that I spoke to, XXXX # XXXX, instructed me that the promo code attached to the account matched the promo code from my email ( and the link above ) but the terms of conditions were completely different. That I had to pay a bill two months in order to receive a gift card or " thank you points ''. None, of which are mentioned in the original promo email. 

According to the original promotional email ( or link above ), I am owed a {$400.00} cash bonus deposit from Citi.
Complaint sub-issue: Account information incorrect

THIS ( PROCOLLECT ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON XXXX I NEED THIS REPORTED ACCURATELY IMMEDIATELY.
Complaint sub-issue: Trouble with how payments are being handled

In trying to manage my student loan accounts, I have been trying for months to unenroll from automatic debit payments. When payments resume, I simply wish to submit my payments manually each month. 

Each time I ( or any borrower I assume ) clicks " Cancel Direct Debit '' it logs me out and says an unexpected error has occurred. I assumed this was a temporary issue, and have been trying for months with the same result. 

I have contacted FedLoan Servicing ( the servicer ) on XX/XX/2022 and XX/XX/2022. They will not respond, help me cancel direct debit, etc. 

With continued uncertainty surrounding student loan repayments, it is not unreasonable for consumers to wish to monitor their loans closely and submit payments themselves when payments resume. I simply wish to opt-out of direct debit, but FedLoan Servicing is making that impossible.
Complaint sub-issue: Personal information incorrect

I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.
Complaint sub-issue: Account status incorrect

There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.
Complaint sub-issue: Information belongs to someone else

The company is reporting accounts on my credit report that do not belong to me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Complaint sub-issue: Information belongs to someone else

Be advised that on XX/XX/2021, XXXX XXXX obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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 paid

we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Personal information incorrect

I have sent numerous requests to XXXX, Equifax, and XXXX   regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX  - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Equifax - XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Complaint sub-issue: Information belongs to someone else

I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Information belongs to someone else

I would like to report on error in my credit profile. I do not know the account in my profile, and I do not recognize it so could you please remove it as soon as possible because I am planning to use my credit profile soon for the life important purposes. For me its clear identity theft and I am a victim. I think somebody used my personal information or its error in reporting but I do not know this item. Please take appropriate actions and remove it once and forever and asap ... .thank you!
Complaint sub-issue: Talked to a third party about my debt

My husband went to our XXXX 3 times. 
Once was for a XXXX. XXXX. The XXXX went away on it 's own, and while XXXX paid for the XXXX and XXXX, they did not pay for the XXXX. My husband was not made aware of the fact that XXXX would not, or may not, pay fort he XXXX when the XXXX was taken. I believe this should have been done BEFORE the XXXX was taken. 
His second visit was because he had a XXXX. He paid the co-pay, XXXX, or so she thought. 
The third visit was because the XXXX. Most XXXX would have made the XXXX without additional cost, but this XXXX charged a co-pay AGAIN, which my husband paid. 
All of these visits and charges were posted onto MY account with the XXXX, not my husband 's. I do not know if the XXXX correctly submitted the XXXX to XXXX or not, since it is on my account rather than my husband 's. 
Now, there are XXXX collection notices on MY credit report. While I do not believe anything should be due at all, the XXXX collections are adversely effecting my credit. If there is any collection at all, it should certainly ONLY be XXXX issue.