Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

citi denied to explain to me in detatails why my account was closed i feel discurimation here because I have a XXXX  last name
Complaint sub-issue: Account status incorrect

Mortgage account was closed and transferred to another lender. I have a good reporting status with this account for 16 years, but now account shows as closed. It was the longest reporting account I had, but now has negatively impacted my credit score by XXXX points due to closing status!
Complaint sub-issue: Banking errors

I originally signed up for a XXXX in late XX/XX/2022 with the intention of receiving {$250.00} for a sign up bonus that this bank was offering. I met the requirements by depositing {$1000.00} on XXXX & XXXX which met the requirements as stated below : " *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend Balance and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your XXXX XXXX within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive. '' XX/XX/XXXX would have been the XXXX day and the {$250.00} was credited to my account and no one on the XXXX seems to know why. 

It is important to note that XXXX 's current disclosure states that within 90 days it will be paid out but when I signed up the above agreement was the one provided. I have attached screenshots of transaction and disclosure.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I got a call about a past due bill for XXXX bill for an address on XXXX XXXX. I explained to the representative that I never lived on XXXX XXXX and this isn't my debt. He verified my information. The person use my social security number and date of birth to open this account. He advised to get a police report and send to them along with statement of the electrical company from XX/XX/XXXX. I have filed a police reports and mailed the information to ProCollect.
Complaint sub-issue: Problem accessing account

Pnc bank doesn't let my 3rd party apps like XXXX which I've been using for years acess my bank information which is really upsetting
Complaint sub-issue: Didn't receive enough information to verify debt

I am receiving phone calls of harassment, abusive and profane language, and threats of jail, prison and death from Apelles Debt Collection Representatives for the following Apelles Account : XXXX from XXXX XXXX. The account is a fraudulent account and not my account, and is the result of identity theft. I never applied for or opened up an account with XXXX XXXX. Apelles is violating the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly harassing and threatening me with death and jail for a fraudulent account thats not my account, and is the result of identity theft.
Complaint sub-issue: Account information incorrect

Two accounts have been charged off and closed and in the balance section of my credit report should be {$0.00}. This is causing the balance that I owe to my creditors to be incorrect. Which is causing my debt to income ratio to reflect incorrectly as well. 

1st account-Firm/ Ident code- XXXX  XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$3900.00} 2nd account-Firm/Ident code-XXXX   XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$970.00}
Complaint sub-issue: Fraudulent loan

I XXXX XXXX walking to a drive time a few days ago I asked lady at the desk which identified as a general manager which later I found out was the assistant general manager her name is XXXX XXXX. but I asked her if drive time participates in truth and lending she said that truth and lending was a tick tock bad I informed to her that truth in lending was an actual act instead of laws that all dealerships must abide by because you guys all participate in it she then told me that if this is a way for me to try to get out of putting in a down payment for a car she won't be able to help me I told her that the down payment if not covered in the finance charge will be the determination of the finance charge however I'm coming in to make a consumer credit transaction I do have credit I was pre-approved so I know that I have the credit to purchase a vehicle without being discriminated against however this woman treated me like I was a child proceeded to raise her voice and cause a scene as if she wanted people to look at me like I was some lawbreaker or I shouldn't have the confidence and self love I should have for myself because she deems in necessary to break me down in front of all the society because I wanted to conduct a business transaction with a business and utilize the truth in lending laws I'm aware that a down payment is a decision of the creditor the bank is not the creditor the duties and obligations of a bank are to borrow money I'm a lender I'm a creditor and I came to lend in exchange for property however I was discriminated against for trying to conduct business within the lines of law and not fraud
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

Under FCRA Fair Credit Report ACT. XXXX, XXXX, XXXX has failed to provide me with an Investigative Consumer Report section 15 USC 1681a ( e ) for each erroneous items located on my consumer report ; " XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've submitted an FTC complaint for each company detailing the Identity Theft of Furnishing my personal information without permissible purpose 15 USC 1681b. 

I request an investigative report to determine the accuracy of these accounts. Which was never received. If not received, these needs to be remove pronto.
Complaint sub-issue: Charged too much interest

XX/XX/XXXX The Home Depot Consumer Credit Card Payments Home Depot Credit Services XXXX. XXXX  XXXX XXXX, KY XXXX The Home Depot Consumer Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : Account XXXX XXXX XXXX XXXX ACCOUNT REVIEW REQUEST AND INTEREST REDUCTION REQUEST, REQUEST FOR RECORDS In XXXX of XXXX I purchased an air conditioner for my new townhome for the benefit of my XXXX son. 

I understood that I was on a 24-month, 0 interest plan. I was not informed that interest would accumulate if I had not completely paid off this appliance within the 24-month period. 

I was shocked at the end of the 24-month period XXXX XXXX. XXXX? ) to discover that NONE of my payments were applied to the principal balance and that an additional {$5000.00} was added to my account balance, which took my card dramatically over the credit limit. 

I have applied for forbearance, but my intent is to understand why this information was not disclosed to me. I have called multiple XXXX numbers for XXXX XXXX and gone on-line. There is no historical information available BEYOND SIX MONTHS. 

The account overbalance has now had a negative impact on my credit score. 
I am respectfully requesting : A complete account review including payments and statements dated back to the origin of this account. 
Statements/paperwork and documentation and an explanation about the terms and interest rates charged by Home Depot A wavier of the {$5000.00} of interest ADDED TO MY ACCOUNT WITHOUT NOTICE in XXXX of XXXX A reduction of the interest rate charged on the ACTUAL balance of this account I ask that someone from the credit department contact me ASAP as my Forbearance Period ends on XX/XX/XXXX. 

Thank you for your prompt attention to this issue. 


XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

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

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such s my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within 4 business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$9000.00} XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Complaint sub-issue: Personal information incorrect

this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to Equifax, XXXX and XXXX and they still have not been updated or removed. 

XXXX is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX, Equifax, and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA XXXX The following account was charged off as of XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

My student loans are showing up twice on my report. 1 They are consolidated into 1 account but its showing as 34 different accounts. The accounts have been transferred but are showing chargeoff. I have been going thru this for 2 years.
Complaint sub-issue: Funds not received from closed account

Citi bank said they sent me a check for my remaining funds. They said 30-60 days for the check to be mailed. The account was closed in XXXX. Near the end of the month. Without any info. I went to DC last month and went into a branch I was told the same exact thing as before but its been well over 90 days! I need my money. I have every right to it. $ XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX XXXX FL / XXXX / {$1000.00}
Complaint sub-issue: Reporting company used your report improperly

CITI XXXX XXXX IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
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 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
Complaint sub-issue: Other problem getting your report or credit score

XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NC,  XXXX  SSN : -- -- --  XXXX  Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your   failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     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   .
Complaint sub-issue: Problem lowering your monthly payments

I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.
Complaint sub-issue: Information belongs to someone else

XXXX and Equifax has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!
Complaint sub-issue: Account terms

my account with XXXX has been settled. originally equifax had the information correct on my report but then changed it to open with a balance of {$400.00}. it should be closed with a zero balance
Complaint sub-issue: Information belongs to someone else

To whom this may concern, I have sent multiple certified letters to XXXX concerning a student loan ( Sallie Mae ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
Complaint sub-issue: Personal information incorrect

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Complaint sub-issue: Frequent or repeated calls

I advised on XX/XX/XXXX that i will try to make a payment on XX/XX/XXXX. I explained that im not working full time due to XXXX. I Rcvd at least 2 or 3 calls each day since XX/XX/XXXX. I received text messages and voicemails stating i will be sued. I received a phone call at work on XX/XX/XXXX from B & R Finance which my employer advised that i can not accept personal phone calls. I received a phone call at work again after advising that i can not accept personal calls. I dont want my job at risk.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XX/XX/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.