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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want htem to be remove. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
Complaint sub-issue: Threatened to sue you for very old debt

I requested a " pay in advance '' loan a long time ago. I went into really difficult situation with some family medical issues and I did some arrangement with that company to make monthly payments. But now they hire a collection agency that is really harassing me, my family and at my work. I told them to send me everything by mail but they refused to do this and they keep really harassing me. I want that they stop this.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took too long

I have been disputing public records and tax liens with Equifax for three months and they have little to no reason why the records have n't been removed.. I spoke with XXXX the Supervisor on in XXXX and he guaranteed me that the investigation would be completed in thirty days..I waited the allotted time to get a response from the credit bureaus..I called back in XXXX and I spoke with an agent who said, the company did n't show any record of a dispute.. I was advised that they would have items sent out again asking the creditors to verify items being disputed..I called back on XXXX/XXXX/2016 and no results and I even provided the confirmation number that I was given, not in the system ... I sent over a fax and a certified letter demanding these items be deleted .I called to followup on XXXX/XXXX/16 to see if the documents had been received, XXXX representative told me that the documents were n't legible and I had to resubmit everything..so, he advised me to let him dispute the items again..I did n't agree for him to resubmit an investigation that should have been completed four months ago..
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my report, the incorrect information was still found in my Equifax reports which I believe have been taken care of due to the written appeals I sent. I've contacted the account listed & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. The account that should be corrected is : XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.
Complaint sub-issue: Problem with product or service terms changing

I was cyber hacked and was notified by XXXX XXXX after the faxct once i started multiple disputes of identity fraud including XXXX  XXXX then equifax said i was a victim of cyber incidemt on XX/XX/2019
Complaint sub-issue: Personal information incorrect

This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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: Funds not received from closed account

under cares act this retirement account was allowed to be distributed and closed with no fees or penalties and the full amounts to be sent as soon i sent that in writing and filled out all their forms. depsite 19 emails they never sent any funds. being reported to DA, FTB and SEC for fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

I was victim of unauthorized charges on my account which lead to late charges on my account. After being notified that i had a late charge i reached out to first progress. They started an investigation and found the charges were fraudulent and refunded my account. As a result of the fraudulent charges my account was reported late to the credit bureau. This information is inaccurate and they wont do anything to fix it. I've already reached out to them and have gotten nowhere.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with equifax several times. XXXX XXXX gave me this as proof that it is my account. 

This is not my signature or social security number so the investigations I have requested are not being done properly by equifax. I am demanding equifax do a proper investigation and have XXXX XXXX match ALL information and delete this file because they have not verified my account. 

This is a complaint to be filed with equifax for not doing a proper investigation. Equifax continues to say that the social security number matches up but it does not. 

... ... ... ... ... ... ... ... .. 

My information XXXX XXXX Date of birth. XXXX Social Security # XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX  XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX XXXX then sold the alleged debt to XXXX XXXX  within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from XXXX XXXX to prove the validity of this debt. I hold both XXXX XXXX XXXX and XXXX XXXX accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed few items on my Equifax credit report and there investigation took more than 30 days and all the accounts are still on my credit report and all sudden the disputes stop and the accounts are still remaining on my file as fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax didnt do nothing to have these accounts removed for months
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 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 listed 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 the accounts listed below.

( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : )  XXXX
Complaint sub-issue: Reporting company used your report improperly

Here we go again with Equifax openly admitting to Placing fraud on my credit report. First of all my wallet had been stolen in my wallet was my social security card, drivers license and email addresses. Additionally my postal address had been forwarded and I have recently corrected these issues including getting my email addresses correct. EQUIFAX has already been notified and has received law enforcement documentation and FTC Identity Theft Affidavits for each account that has been mentioned and discussed as fraud. Equifax deleted these fraudulent accounts to comply with the FCRA laws since they have been notified of fraud. I then check my reports today and see EQUIFAX has placed one of the accounts that I never applied for and already marked as fraud BACK on my equifax report. Again these are FRAUDULENT. I am a victim of Identity theft, you have received documents from Law enforcement agencies. You have received FTC Affidavits explicitly explaining the crime and how i became a victim. By Placing fraudulent information on someones credit report and not advising the consumer you are placing this fraud knowing its fraud is against the law. 

You placed an account for XXXX XXXX which I never applied for back on my credit report. Again this account is fraudulent, This account was already deleted. You have the amounts incorrect, you have the account numbers incorrect XXXX has already been notified this was fraud. This was applied for with an address I have not ever lived at. They advised me the last payment made was from a " XXXX XXXX '' Which I have never been associated with. I want this account blocked from my file immediately. You can't place fraud back on someones credit reports especially when this account was already listed in my previous FTC Reports i have sent to your agency.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason
Complaint sub-issue: Trouble with how payments are handled

Predatory lending Practices : AES told me to make XXXX consecutive on-time payments - made under false pretense This month XX/XX/XXXX, I am to make my final payment to AES for a private student loan. However, regarding my federal loans, AES was dishonest in its practice where a negligent AES representative lied to me about the loan term, making this unfair lending practices. 

What happened? I have worked for the government for close to XXXX years. XX/XX/XXXX, I called AES and requested to get on the " public service loan forgiveness '' program. The AES rep told me to sign some documents ( IBR ), get them back to AES- and then all I need to do is make 120 on-time payments to AES and that 's it. The woman even told me, " not to worry about providing proof of employment stating " you can do that at any time ''. So, I put all my efforts to make sure that loan was a priority in addition to my other private loan with AES. Twice I was ensured I was on the public service loan forgiveness. Lots of penny pinching. 

After XXXX consecutive on-time payments to AES, I called and asked for a 1 month forbearance, asking if this would interfere with my 10 year consecutive on-time payment requirement. I was told - I had been paying on the wrong loan repayment program, that AES DOES NOT EVEN OFFER the PSLF. I have to start over at payment ONE by transferring these loans out of AES and into the hands of another company : Fed Loan. Do you have any idea what this feels like - the absolute agony of starting over at month one, especially as I am approaching retirement? I am beyond mad. 

I filed a case with the ombudsman, but AES denied all wrong. I am asking that someone help to find a way to make this right. I need assurance that those XXXX lost months do not interfere with my life- I am very concerned about this now.
Complaint sub-issue: Problem accessing account

Citi Reference Number : XXXX and XXXX This would be my sixth complaint/response to CFPB and Citi Executive Response Unit ( CERU ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND ( SUMMARIZED ) Citi practically stole my savings account for 63 days by freezing it without my consent. I had no access to it and was provided no useful information or was offered a real way to resolve the issue. In over at least 15 phone calls, correspondence, and complaints, I hit dead ends for all of them. 

As a result, I suffered a monetary loss in the amount of {$600.00}, the opportunity to earn interest in the amount of {$300.00} ( by putting it in a higher interest account ), and I have lost HOURS of time in making multiple calls and writing correspondence that Citi does not seem to take seriously. In addition, my account was terminated without cause. I am looking to be compensated for my monetary and time loss stated above. 

I am suspecting illegal asset freeze ( see other similar complaints in XXXX and CFPB by other customers ). For the unexplained account closure, I am suspecting discrimination. 

For more detailed background, I have provided comprehensive explanations and complaints here : CFPB complaint # XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX  complaint # XXXX, XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- MY MESSAGE TO CITI I will simplify this complaint to the REAL ISSUE here, and I would appreciate your direct and transparent response without avoiding the issue or putting the blame on me not following instructions ( because I did ) : Why did you freeze my account for 63 days without my consent and without providing a way for me to resolve the issue? DO NOT tell me that I did not follow your instructions to call the number you provided, because I did even before you told me to. 

There you go, plain and simple. 

I am still waiting for your call to resolve this matter in person. I really don't understand why we need to communicate via CFPB.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT SAYS CHARGE OFF THAT IS IN ACCURATE, SEE LETTER OF EXPLANATION.
Complaint sub-issue: Account status incorrect

During the pandemic last year XXXXXXXX XXXX  put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe XXXX days late. It was not 90 days late. Yet, XXXX still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except XXXX changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.
Complaint sub-issue: Debt is not yours

I attempted to close my online checking account with PNC Bank after withdrawing my funds early in 2021. PNC did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted PNC via chat and phone and was told customer service can't do anything about it.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Problem with the interest rate

ON XX/XX/2015 I purchased a XXXX XXXX. The price was {$20000.00}. Now that I reviewing the price because I can't afford it i realize that I owe {$28000.00}. I don't understand why I am paying interest and principle in advance. The numbers are way off. The place I purchased from is XXXX XXXX XXXX dealership in XXXX CT. My ARP is 14.95 percent I think I am being cheated. 

The reason I mentioned this, is why do i have to pay principle and interest on a car that I want to sell back to them for the total amount that includes principle and interest for the next several years? 

Is this legal?
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent an investigation request to Equifax and XXXX XXXX. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.