Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 n 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 us 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 XXXXThis 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 n 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Complaint sub-issue: Information belongs to someone else

FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Hi I recently closed my credit card account. I was told I would retain access to thank you rewards for 60days, but my access was revoked. I am still in the 60 day period. 

Secondly the thank you rewards website says cash redemption of points is $ XXXX XXXX, but customer service insists it's XXXX points. See screen shot from your website, this website is publicly available on XXXX, but Citi denys this offer and insists on double points. 

I have don't the following to resolve : -Called 4 times gone upto manager level to make them understand but they won't listen -asked the XXXX team to step in but to no avail, they ended up calling me and transferring call back to the thank you rewards customer service.
Complaint sub-issue: Received bad information about your loan

Based on prior conversations and information posted on the FedLoan Servicing website, I was advised that consolidation of Direct Consolidation student loans and Direct Parent Plus loans would result in resetting the PSLF qualifying payment count to zero. On XX/XX/XXXX I submitted a PSLF application without consolidating my two Direct Consolidation loans with my Direct Parent Plus loans. On XX/XX/XXXX I received a letter stating that I was not eligible yet to receive forgiveness. A representative from FedLoan Servicing informed me that the payment count was not reflecting the Limited PSLF waiver update and also advised me not to consolidate the Direct Consolidation loans with the Direct Parent Plus loans. On XX/XX/XXXX I received forgiveness on the two Direct Consolidation loans. On XX/XX/XXXX, the Department of Education posted on their studentaid.gov website the following information : " Under the limited waiver your consolidation loans will receive credit for time in repayment on your loans with different counts. Your consolidation loan will be credited with at least the largest number of payments on the loans that were consolidated. '' Shortly after XX/XX/XXXX, it was confirmed by a consolidation specialist at FedLoan Servicing that I would have received forgiveness on all on my loans had I consolidated prior to submitting the PSLF application.
Complaint sub-issue: Deposits and withdrawals

I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. 

I spoke with XXXX and they gave me my options for addressing the situation. 
There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House  procedures. 
They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. 

Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. 

I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. 

I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! 

After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. 

So I have now spent four hours on the phone today. 
I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. 

My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX
Complaint sub-issue: Account status incorrect

Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }
Complaint sub-issue: Information is not mine

Equifax is reporting that I have an outstanding debt of over {$2000.00} on an XXXX XXXX XXXX account, which has now been turned over to a collection agency. I have never opened an XXXX account, however due to ID Theft, I have disputed this with Equifax in the past and the account was removed. Now they are reporting this debt in my name again.
Complaint sub-issue: Account status incorrect

DISPUTE GUIDEPRINT XXXX XXXX  XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
Complaint sub-issue: Information belongs to someone else

I have recently disputed information on my credit report with this company due to identity theft, they are not removing items that are not mine. I provided a police report and informed them my information was compromised.
Complaint sub-issue: Can't close your account

I have the Sears credit card which I closed and without my request they opened an accounts on shop your way, after I closed the account on this card. I talked to city bank they told me that the account was closed but I am still receiving statements every month. When I looked for the manager they stated they don't know and can't fix anything. They are opening cards without my consent or without me asking them to. 
These are the last digits of the cards they opened without my request. 
XXXX, XXXX, XXXX, XXXX, I have one card XXXX and I closed this card with the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

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

4. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

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

9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

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

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

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

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

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

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

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, Equifax and XXXX over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.
Complaint sub-issue: Information is missing that should be on the report

Have written in to XXXX and Equifax concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : 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 XXXXl, XXXX XXXX, XXXX , XXXX , and XXXX
Complaint sub-issue: Reporting company used your report improperly

In regard to Equifax Data sharing policy, I have called multiple times to resolve the issue over the phone. I am concerned and again am now raising a concern and inquiring to the XXXX XXXX XXXX account on my credit score account provided by equifax. I am again requesting a copy of the consent Equifax is claiming they have for sharing my data. you did not give me the opportunitiy to opt out nor did you clearly and conspicuously state that I was opting in. You did not tell me how to exercise how to opt out. I never gave consent. you did not respect my right to privacy. Equifax did not exercise their grave responsibility. You were unfair and partial and never had permissible purpose. Title15 ch. 41 & 94 subchapter 1 & 2 15 USC- 6802 15 USC 1681a3 & 1681a4
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call. 

As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.
Complaint sub-issue: Problem getting my free annual report

I visit www.XXXX.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Continued calls looking for " XXXX XXXX '' to collect a debt. I have had this phone number for 25 years, and no " XXXX XXXX '' has been at this number in that time. 

After eight calls, I called " XXXX XXXX '' ( XXXX ) XXXX on XX/XX/XXXX. " Miss XXXX '' said that she would remove my number from their calling. I asked for information about " XXXX XXXX '' and she rudely hung up on me. 

After receiving yet another call, I again called " XXXX XXXX '' on XX/XX/XXXX and spoke with " XXXX '' who said that she would remove my number. I asked her if the Attorney General of Texas would be interested in hearing about this case and she rudely hung up on me. 

After receiving another eight calls, on XX/XX/XXXX I called the number on my answering machine ( XXXX ) XXXX which seems to be " XXXX XXXX XXXX '' and spoke to an unidentified representative. I explained that I had been receiving calls for XXXX XXXX, not at this number, and the rep hung up on me mid-sentence. I immediately called back and spoke with " XXXX '' and explained the harassment, and asked her if the Attorney General of Texas would be interested in the case. She sarcastically responded " You mean that we have removed the number from our systems? '' I responded no, that I had been harassed numerous times despite telling them that there is no XXXX XXXX at this number. " XXXX '' hung up on me. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received another three calls. This time the call back number is ( XXXX ) XXXX. I have taken no other action since receiving these calls.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed
Complaint sub-issue: Account status

Chapter XXXX bankruptcy ; Bankruptcy complete. XXXX is showing as 120+ days overdue.
Complaint sub-issue: Account status incorrect

After sending information to verify myself with my disputes, Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a HOME DEPOT Card issued by Citibank. 
I have never used the card. There was a charge on the card in XXXX, or XXXX of 2019. When I received notice there was a balance on the card I contacted the Citibank and reported the card stolen, and disputed the transaction. This was more than 6 weeks ago. Since then I have called in on multiple occasions and keep being told that this issue is being worked on but could take 90 days. 
They are still charging me interest and applying late fees to the charge. Each time I call in I get transferred to multiple people. No one seems to be able to resolve the issue. I just spend hours of my time while they request my information and have me verify and verify and verify. Transfer from person to person with no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Complaint sub-issue: Problem during payment process

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Old information reappears or never goes away

A company named LexisNexus is reporting a judgement I received more than 7 years ago and they will not remove the information from their data base.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )
Complaint sub-issue: Investigation took more than 30 days

My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.
Complaint sub-issue: Frequent or repeated calls

I was just called XXXX times in the last 10 Min. by the same phone number. i blocked them and the calls just kept coming.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
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 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 XXXXt # 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 an account without my written instructions.
Complaint sub-issue: Transaction was not authorized

I had charges on my card that I did not do and theres no way I could do them because I was at work. They denied my claim now Im stuck and cant pay my bills because they dont have extra security for there bank which is US bank