Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

I HAD A VISA CREDIT CARD FROM THIS BANK & THEY CHANGED IT TO MASTER CARD FEW MONTHS BACK. WHEN, I ACTIVATE MY NEW MASTER CARD, I WAS TOLD THAT I WOULD RECEIVE A BONUS OF {$75.00} AFTER MY FIRST.I DID MADE MY FIRST PURCHASE BUT NOTHING SO FAR. I MADE TRANSACTION EVERY MONTH AFTER THAT, BUT I DID NOT RECEIVED MY BONUS OF {$75.00}. THEIR CUSTOMER SERVICE WAS VERY BAD. THEY DID NOT CO OPERATE AT ALL.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2019 ordered product from revolution fit muscle using citi bank card, it involved a charge of XXXX for on a 14 day trial, was not happy with product cancel but was a little late, so when the second shippment arrivied I SEND IT BACK. when I disputed the charge of XXXX, citi bank investigated and but did not revers the charge, and reported it as late on my credit report. A disputed item is classifies as a billing error right. Why should I pay for an item that was send back. Citi card is wrong or they did a poor job of investigating. Sincerely XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Thank you, XXXX/XXXX/XXXX
Complaint sub-issue: Public record information inaccurate

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019
Complaint sub-issue: Information belongs to someone else

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 




FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Was not notified of investigation status or results

I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
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 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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Debt is not mine

I never applied nor did I go to school this loan is not mine. Several times I have requested proof that this is my debt Have been told several times would send documents. They have not sent anything. It has been over XXXX years that this dept has ruined my credit
Complaint sub-issue: Information belongs to someone else

I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Complaint sub-issue: Seized or attempted to seize your property

Employed by XXXX XXXX to collect a ( false ) debt, these folks have managed to show a complete disregard for both my livelihood and my XXXX  from both XXXX  and a XXXX XXXX, not to mention the IRS 's pursuit of me for back taxes. In sum : * Their representative lied to me -- on a recorded line -- that they'd been attempting to reply to a settlement offer I've given in good faith -- my XXXX bonus earned from a job I'd had for less than 6 months * My repeated requests to confirm the date of the hearing went answered -- despite my pleas to confirm the date so I could request time off -- -and SUDDENLY, today, I'm told that I need to be on a XXXX  meeting. Giving me NO TIME to request time off * My XXXX  XXXX  is noted on the case. 

A simple email telling me the confirmation date would have sufficed, kindness and respect as well as fairness is a part of debt collection, is it not? Yet, tomorrow I am forced to take a day off work since no one bothered to confirm for me the date. This threatens my job since I've been there for less than a year. Unkind. Abusive.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act convergent account # 1 XXXX XXXX XXXX  XX/XX/2022. # 2 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
Complaint sub-issue: Reporting company used your report improperly

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

1. XXXX  XXXX auto # XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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 has been notified by the consumer at the address specific by the person for such notice that specific information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!
Complaint sub-issue: Not given enough info to verify debt

I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
Complaint sub-issue: Problem with personal statement of dispute

It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXX XXXX. It is benig reported by XXXX and Equifax as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion Equifax and XXXX are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.
Complaint sub-issue: Information belongs to someone else

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute was opened and made by the thief, not by me.
Complaint sub-issue: Received bad information about your loan

Mohela has taken over XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Mohela has STILL not certified my payments made to XXXX XXXX prior to XXXX taking over in XXXX. I contact XXXX XXXX and they informed me that all payment information was sent to XXXX and Mohela. 
Because of the NEW PSFL rules, I currently do qualify for forgiveness, but this must be done before XX/XX/XXXX. 
It is obvious to me that Mohela is attempting to postpone the certification of older payments until after the deadline in a effort to prevent my loan from qualifying for XXXX. 
I know there are many others out there with the same problem and I bed the government to get involved and force these companies to comply. 
Unfortunately my old student documents were in storage during and were lost in California wildfires. I am now unable to get copies of these old documents. 
I hope any one else with this issue will contact CFPB. 
Thank you.
Complaint sub-issue: Information belongs to someone else

There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I was backed up on my credit card payments, so discover reached out to me and I shared with them I was out of work for 5 months. I wasnt able to make any payments so there for I spoke with a representative and told her on the XXXX of XXXX I will be able to make a payment of {$100.00}. Today the XXXX of XXXX they pulled out the amount. Thats not what I agreed on and I even have a email stating that was confirmed. Now my account is overdrawn and Im in a grievance because I dont have the money.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. XXXX  is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and Equifax is reporting XX/XX/2015. This is not good for my credit report worthiness.
Complaint sub-issue: Information belongs to someone else

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Complaint sub-issue: Problem with personal statement of dispute

In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX. Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XXXX XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to XXXX during the transition period. XXXX XXXX XXXX already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked XXXX to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. XXXX agreed and supposed to fix their claim against late payment from our side. Apparently XXXX did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
Complaint sub-issue: Deposits and withdrawals

E*Trade Bank does not record deposits of Federal Pension checks in a timely fashion as required by Federal Law. This happened today XXXX and now 3 electronic payments have failed due to insufficient funds along with the draft for my life insurance. The amount of the deposit which is {$5000.00} may show up later today and may not -- law requires them to post deposit no later than XXXX am the first work day of the month. This is not the first time this has happened and they do not care as they are a subsidiary of XXXX the most penalized bank in the history of the world. Please require them to post Federal retirees checks in a timely fashion
Complaint sub-issue: Debt is not yours

I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Complaint sub-issue: Account status incorrect

There is an incorrect late payment on my account. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Please see the attached docs in which I provide the letter sent to PNC and proof of payment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke to a Equifax representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

this is a false collection letter from ERC FOR XXXX XXXX I HAVE NEVER USED XXXX XXXX. IT'S A SCAM
Complaint sub-issue: Information belongs to someone else

There are two accts on my credit report, see attached that have no info, dont know whos owed, XXXX  and Equifax wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to XXXX and Equifax, still pending after all this time wont remove.
Complaint sub-issue: Account status incorrect

Debts reported for {$1700.00} and {$1000.00}. Company agreed to delete. Account closed and fraudulent charges. XXXX XXXX XXXXXXXX XXXX  agreed to write off balance as fraud.
Complaint sub-issue: Investigation took more than 30 days

I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.
Complaint sub-issue: Information belongs to someone else

I looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/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: Need information about your loan balance or loan terms

I would like to obtain documentation showing the transfer of my AES note, transfer letter and chain of custody of my loan, etc. 

AES states they are not obliged to possess the chain of custody documents which transferred the ownership from the original owner.
Complaint sub-issue: Can't get other flexible options for repaying your loan

They were not willing to look at my solely income to come up with a flexible payment instead they are using my co-signers income to base my monthly payment which they should only use mine. The representative was rude with me and my co-signer as well. As well as the representative told me that I only had one option. This is jeopardize my financial stability. It appears Sallie Mae is trying to set graduates from school with failure, that is how it appeared with service from representative. My monthly income is XXXX not including my daily living such as rent, car insurance and daily necessities and still is causing XXXX XXXX. The representative only said it was going to last 12 months.
Complaint sub-issue: Debt is not mine

This is a matter of false claims and it does have to with other violations that have been committed here and everyone also involved in this matter.as documented evidence proves which I am more then happy to sit down to discuss this with an agent like I have with the OIG because since there is fraud alleged here and a lot of retaliation has occurred here it would be best for me to meet with and sit down with a federal so the agent can see for them self to what is going on here and what I have been through to date.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}.