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

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Complaint sub-issue: Didn't receive services that were advertised

I saw that on around XXXX I saw a lot of pre approvals on credit Karma. At first I didnt pay it any attention but credit karma continuously sent me emails and notifications about the pre approvals tells ] ing XXXX  that I was pre approved for credit cards, personal loans and auto loans. Every day I would see this offers anytime I logged in to see my credit scores. So After a few months of being told I was pre approved I thought I was in the perfect place to apply. I received many offers through credit karma I told my family about vacations and investments we were going to use these pre approvals for. So I finally applied on various days and I got denied for credit cards and personal loans. I was distraught. I was very angry and I felt deceived. I was advertised for months that I was already pre approved. Credit karma kept sending me notifications about my pre approvals. This was all a lie. I was severely stressed out. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from from XXXX to XXXX. Now every time I see pre approvals I immediately close my phone and shut my computer off. This has made me very uneasy and XXXX that I havent checked my credit as frequently as I should.
Complaint sub-issue: Deposits and withdrawals

Hello, My name is XXXX XXXX. I opened an account in Wise ( XXXX ) but after some time they deactivated my account without any notice or email stating the reason. I appealed there but they didn't respond. After that I appealed to tranfer the funds in my accounts but didn't respond yet. It has been almost 23 days. They have stated on their website that they will respond in 10 days. Please I want my hard earned money back.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXX 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

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries 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 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 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Complaint sub-issue: Problem during payment process

my mother was issued a Discover credit card in 1995. The credit limit has been increased to {$30000.00} a couple yrs ago. My mother is XXXX XXXX XXXX & on a fixed income. She has several health problems and is on a fixed income. My mother just came home from the hospital/rehabilitation after being there for over 30 days. At this point she needs assistance with her physical needs as well as paying her bills ( writing checks ) on time each month. I just recently found out the Discover Credit Card debt & I am really concerned that the company would give a XXXX senior on a fixed income such as my moms {$30000.00} credit line. With how things are now in the world our seniors are easy targets for scam. My mom has worked hard all her life and at this point in her life she ( past couple months ) has worried about lost her home, not buying her medication because of this. My mother is has been a widow for 7 yrs. She lives alone her income is only once a month.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit report act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
Complaint sub-issue: Threatened to sue you for very old debt

I closed my XXXX account XX/XX/2019. XXXX continued to bill me for services after that date. I had sold my house, disconnected and returned their equipment and vacated the premises. I refused to pay the charges past the date of cancellation so they've sent me to collection. I've received several notices from various collection agencies. I've responded to each one that I do not owe, nor with I pay this debt but have never received a single response. I'm responding to yet one more notice today from Afni , Inc.
Complaint sub-issue: Old information reappears or never goes away

Old information reappears.
Complaint sub-issue: Information belongs to someone else

I contact the company Citibank in regards to a fraudulent account issued in my name. They have been made aware that the account is not my account but have still decided to keep this account on my report, damaging my score for no reason at all. This is impacting my financial health, and causing me stress that is unbearable. How can I further escalate this issue? I have filed a police report here in my county in regard to this issue, and I am willing to have this resolved  in court if it's necessary. I will not fall victim to this type of crime. This is unjust and unfair. Someone had a card mailed to my home without my consent, which really makes me uncomfortable. Knowing someone can easily go into my mailbox and take something that they created with my identity. 

I never even phyisacally signed for a card, so how was it even issued in my name? 
Can i have physical proof that my signature was used to get this card?
Complaint sub-issue: Debt is not mine

This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this
Complaint sub-issue: Information belongs to someone else

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$19000.00} ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a push notification on my phone from XXXX XXXX that a hard inquiry was done on my account from CBNA this evening ( XX/XX/2019 ). I never applied for anything from Citi Bank. I did receive notice by mail for an XXXX XXXX Mastercard through them but I set it aside to throw it away because I had just received a XXXX  XXXX card just prior and didn't want to damage my credit.
Complaint sub-issue: Account information incorrect

Recently sent disputes to Equifax, the most recent dispute was sent to Equifax on XX/XX/XXXX for collections account with XXXX XXXX for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX  ) last date of delinquency was XX/XX/XXXX. Provided Equifax with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an Equifax representative the week of XX/XX/XXXX, who stated Equifax has my information showing the first date of delinquency as XX/XX/XXXX, BUT since XXXX  said the account was reported as accurate for the date of XX/XX/XXXX, Equifax has to follow what the creditor states, regardless of the proof on file. 

This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. Equifax and XXXX XXXX refuse to report accurate information, which has created denials for credit applications submitted during this timeframe. 

Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX had first date of delinquency as XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency. 

The XXXX XXXX account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. XXXX XXXX can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. XXXX XXXX keeps adjusting the date, re-aging the account, which is illegal and Equifax supports this creditor in its illegal practices.
Complaint sub-issue: Can't decrease my monthly payments

I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( 240 months or 20 years ), I will end up paying to the loan companies about {$78000.00}. Which is more than double my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.
Complaint sub-issue: Problem with customer service

On XX/XX/2022, I called Mohela to request a refund for payments during the XXXX pandemic. During the phone call, they approved the refund request, and stated that the funds would be in my account within 30 days. The refund was never processed. I have tried calling them on multiple occasions starting on XX/XX/2022. Representatives do not answer the phone, and hold times exceed over XXXX hours. I have also attempted to reach out to them using the " Contact Us '' portal on their website, and I have not received a response that way, either. I would appreciate any assistance in this matter, and would like an update regarding the status of my refund.
Complaint sub-issue: Information belongs to someone else

I called the major credit bureaus Equifax, XXXX, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by Equifax and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended XXXX University for not even 6 weeks and I have a student loan that I cant pay I never even took the classes now I have a collection from the school and they took my financial aid that was supposed to be given to me. I feel i should get some relief due to the fact that I did not even finish the first 6 and I think the first 5 weeks of class. I was having really bad financial and family issues at time.
Complaint sub-issue: Received unwanted marketing or advertising

contacted equifax that people were trying to apply for credit under my name It was impossible to get this done. 
So far about four credit cards were applied for under my name I haven't applied for any cards
Complaint sub-issue: Received bad information about my loan

I co-signed for my ex-husband student loans. My ex stopped paying them, but the lender never notified me he stopped paying. They sent debts to collector who started harassing me at my job to pay loans in full. I tried to refinance them, but could not because they are not my student loans. I have been making monthly payments to fulfill my obligations, but I still get harassed every 6mos demanding full payment. No one will refinance the balance and no one notified me when loans first become delinquent. I 've been working with lender, but this still reports as delinquent collections on my credit despite the fact I 've been paying for three years and was never notified until 12 months after payments ceased. Do n't lenders have an obligation to notify co-signers before the negatively report credit? Should n't I get a second chance after three years of on time payments? My credit is suffering because lender never tried to contact me.
Complaint sub-issue: Banking errors

PNC Bank allowed a merchant XXXX XXXX XXXX to withdraw money from my closed debit card. A fraud alert was placed on this card due to a dispute with this merchant. The debit card was closed in XX/XX/XXXX and the merchant was able to still withdraw money using the closed debit card in XX/XX/XXXX. This transaction wasnt authorized neither was it a revolving payment and most importantly, the debit card was closed. PNC refuse to accept responsibility for their error and credit my account accordingly. Ive filed 3 disputes with PNC but of course they have denied all 3 leaving me hanging to deal with their mistake.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.
Complaint sub-issue: Information is not mine

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.
Complaint sub-issue: Debt resulted from identity theft

An account with the company XXXX was opened in my name in XXXX of 2014 according to the debt collection company AFNI. The origin of this account was based in XXXX, however I lived in XXXX, so this could not have been me. I have contacted XXXX and gotten a letter verifying that they looked into this, and determined it was fraud, and therefor I owe nothing nd the account needs to be closed. AFNI continues to send me letters and ignore the information I have given them several times. hey REFUSE to contact XXXX and close out this false debt against me.
Complaint sub-issue: Information is not mine

I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.
Complaint sub-issue: Seized/Attempted to seize property

I contacted Premier Credit ( I have never heard of them, I was referred to them by the original creditor when I contacted them to find out what I owed ). 
I offered to pay a lump sum ( {$500.00} ) to pay it off in full ( less than current balance of {$740.00}, more than original debt of {$440.00} ) or to setup a payment plan. I was transferred to " XXXX '' an " account manager '' and he immediately told me, " my levee department is already working on freezing your bank accounts and getting your wages garnished ''. 
Now, if there is a judgement against me, I am not aware of it. I had never even heard of this company before I reached out to OFFER to pay. He refused the payoff amount and when I asked about a payment plan, he again started talking about wage garnishment! 
This debt is for XXXX State Taxes from 2012, so I do n't know if its time-barred or not, but even if it is not, I am not aware of any legal action by them against me, so he had to be lying to try to scare me ... and honestly, there is a little 1 % of my mind that is now worried my bank account will be frozen next time I go to use it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report a Fraudulent Collection from XXXX XXXX XXXX {$2500.00} after the Collection Company XXXX XXXX XXXX has requested by letter to have the incorrect information removed from my credit report. I have attached the deletion letter from XXXX XXXX XXXX and I have called Equifax to request removal of the fraudulent collection which they refuse to do so knowing it is incorrect information being reported. 
I have disputed this issue with Equifax and provided the deletion letter to them also. The other two credit reporting agencies have removed the fraudulent account but Equifax has not and refuse to do so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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.