Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.
Complaint sub-issue: Problem getting your free annual credit report

I have tried several times to get my free credit report from Equifax online through annualcreditreport.com and the website keeps saying the report undeliverable online. 

Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online
Complaint sub-issue: Information belongs to someone else

Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?
Complaint sub-issue: Reporting company used your report improperly

Equifax handled my data poorly and leaked it by having poor security. I verified this via their website : https : //www.equifaxsecurity2017.com
Complaint sub-issue: Account status incorrect

Mr. XXXX, The actions of XXXX and the actions of our previous attorney XXXX XXXX removing XXXX  from the XXXX litigation without our consent or knowledge was a backdoor deal that granted XXXX plausible denial and lack of liability. We were told, " we could not sue everyone it would be a waste of his time and our money ''. The judgment was awarded against XXXX but we know the odds of collection. Three months were wasted due to a gross miscommunication in which XXXX still thought we had legal representation and thus would not communicate with us. We were told we own the loan, the delays have cost us the rebates that would have paid for the panels in full. 

Your erogenous deferment error dropped my credit score by XXXX  points and counting overnight! Applied for XXXX in interest-free financing for 12 months and denied by XXXX XXXX XXXX XXXX while just the week prior XXXX in new credit and a XXXX line of credit extended by my bank. Ordered an item from XXXX XXXX that never arrived. Check my credit report and my account is closed and I am now considered " High Risk '' due to the actions of XXXX. Your immediate removal of the " alleged error '' was not the solution this never should have happened XXXX had all of my checking information to automatically pull a XXXX payment and chose not to do so for the third time! This was supposed to be handled by you personally and not by automation for the third time. 

The actions of XXXX were a gross breach of contract not once but three times and each infraction impacted my credit maliciously and adversely. Your lack of immediate communication on this matter further impacted the situation. 

I consider the actions of XXXX to be predatory lending and will require years for credit to be rebuilt. That being said we are holding XXXX liable to the fullest extent of the law in this matter. In one day XXXX changed our lives and you have one day to fix the damage. The creditors affected by the actions of XXXX the credit agencies that received the report from XXXX now consider me high risk due to a fifty-plus one-day drop in my credit score. 

Your removal was only after you were informed due to me checking the credit report. XXXX had taken no responsibility has not contacted any of the credit entities on my behalf and this is not the first time over the course of two years that this has happened. XXXX failed to properly vet XXXX XXXX resulting in the loss of two federal rebates legal fees for a hollow victory with a deal made against our wishes or knowledge with XXXX. XXXX XXXX leaving us totally liable for over XXXX XXXX dollars. The processes to activate the panels were intentionally stalled Failure to comply will result in complaints to appropriate consumer and financial entities to include legal action if not resolve with resolution and compensation. XXXX  due to the actions of XXXX XXXX XXXX denied zero interest on one account and closed an account in good standing due to your misinformation of ninety-day delinquency expect to hear from you on this matter.

Respectfully,
Complaint sub-issue: Information belongs to someone else

I checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXX XXXX  account. The other information is not mine.
Complaint sub-issue: Privacy issues

I had previously filed a complaint with CFPB regarding Citibank 's failure to protect my personal private information. In its response to my CFPB complaint on XX/XX/XXXX which is attached Citibank informed me that my credit card balance information, my credit limit and my minimum payment due on the account will no longer be sent via unsecured email message. However, on XX/XX/XXXX, more than 12 months since the original response of Citibank, I received a statement notification, which is also attached, that included my personal private information. Another notification containing sensitive data was sent on XX/XX/XXXX, which is also attached.
Complaint sub-issue: Debt was paid

I paid a debt of {$44.00} in XXXX and it wasnt reported to the original creditor
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke to XXXX the manager and told him how I was having issues submitting disputes online for inquiries and an address that I never lived at XXXX XXXX XXXX XXXX. I disputed these inaccuracies as fraud and Equifax refused to investigate or remove them. After speaking to XXXX and requested that these items be disputed XXXX said he would send it for manual dispute. The next day I woke up and found my account blocked online and after the representative XXXX XXXX verified my information he said the supervisor said that my account is blocked and under investigation. So Equifax punishes me because the refuse to do their job. This is my fifth complaint and I would like the ombudsman to take a look into my complaints about this company and their incompetence. If unresolved I will file legal action against equifax.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In pursue of Class-Action Law suit against, Key-bank engaged in deliberate and unfair, unlawful fraudulent practices the company prestigiously relied on the likely-hood that wouldn't be fair to pursue rights. This has been a ongoing violation that the consumer financial protection bureau failed to identify valid proof of customers address on file, from Key bank who has failed to retrieve customers demand of funds retracted. Upon reexamination you will find serious systemic deficiency 's upon key bank responding The Consumer Finance protection bureau overlooked again, after the 2nd evaluation, XX/XX/2021 pertaining to the legitimacy of validation, both parties not having the correct address on file the reexamination started XX/XX/2021 for the third time upon reopening key bank verified that the account had not been updated with the correct address Key bank associate I.D . XXXX. Key bank and The Consumer finance protection bureau failed to conduct adequate due diligence on its customers. Me as a member find it humiliating and deceptive to gain my trust with secure and confidentiality. As a result my file lacked basic identification and verification of identity regarding the books and input of the claim type.

Violation of laws and regulations Key bank failed to maintain and make available true and accurate books, accounts, and records reflecting all transactions and actions.
Complaint sub-issue: Their investigation did not fix an error on your report

I am in receipt of an email dated XX/XX/2020, from Equifax with a letter dated XX/XX/2020. The email is regarding the decision and denial of a dispute for an alleged debt to XXXX XXXX, a company I have never done business with, for {$170.00}. 

I have reason to believe I do not owe this debt as I have no knowledge of it. After repeatedly disputing this with Equifax they continue to deny my request to have it removed from my credit report. In accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act the original alleged debtor XXXX XXXX XXXX and the collection agency XXXX XXXX were supposed to provide me all of the following information by mail to my Ohio residence : 1. In writing the amount of the alleged debt and the alleged services rendered ; 2. In writing the full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing they are licensed to collect debts in Ohio. 

To this date none of this information has ever been mailed or provided to me in anyway so that I may properly address the alleged debt. Nothing has ever been mailed to my residence address in the state of Ohio where I have resided for the past 3 years. 
As to the creditor class on Equifaxs credit report that this is a medical/healthcare alleged debt this also does not make sense. I have always maintained health insurance and have no outstanding medical bills. Without the proper proof, including what alleged services were rendered and what the billed amounts are specifically for, I can not confirm or address any information that is being claimed. This alleged debt has been placed on my credit report without giving me the proper law provided time and required documentation to investigate and respond to it.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXBalance : {$2600.00} XXXX XXXX 555751000036****Balance : {$1900.00} XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXXL ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX*Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX PA ) XXXX Balance : {$210.00} XXXX XXXX XXXXBalance : {$3500.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I Emailed the company on XXXX XXXX a Debt Validation letter and they have not responded and has updated my credit report without following the FTC guidelines.they continue to add interest to a closed charged off account. 

Here is the update status on my credit report from XXXX XXXX XXXX. 

XXXX XXXX XXXX Original creditor : XXXX XXXX {$880.00} Balance updated XX/XX/2020 Contact XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

Equifax exposed my data without my consent and without informing me for more than 30+ days. The company has offered limited 1-year credit monitoring through their own services, which were already owned. This is the worst possible mitigation. They have exposed me to fraud, identity theft and problems for the rest of my life.
Complaint sub-issue: Fraudulent loan

I used loan products from the company Motolease LLC, I discovered fraud in the contract and tried to rescind the contract. I have proof of sending the letter to invalidate the debt via certified receipt of mailing to Motolease LLC at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I also included a Cease and Desist letter asking not to be contacted by phone and Motolease employees called me 3 time using international numbers in which I recorded the Motolease employees harassing me. Motolease intentionally violated 15 USC 1635 ( H ) and 15 USC 1692 ( J )
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I saw that I no available funds in my PNC checking account.  I contacted the bank 5 times using their 800 number for an explanation.  The call center representatives refused to provide an explanation.  My husband and I went to a branch location.  The branch representative also contacted the call center.  He was told that the account was on Hold and the person that had place the account on hold as not in.  No other information was provided to the branch representative.  I called my attorney will sitting in the branch office.  My attorney told me to have the Branch representative contact PNC's legal department.  I asked for PNC's legal departments number and the representative would not provide it.  My husband and I left the branch.  While driving home, we received a call from the PNC branch representative.  He stated that the account had been placed on hold due to individual, posing as my husband, had visited a local branch and had tried to access our checking account.  The branch representative told us that the individual could not say our last name.  No additional information has been provided regarding this incident.  We returned to the branch and the branch manager was finally to get our account off hold and moved to a new account. While we were at the bank, we found out a XXXX check had been written.  It did not clear the closed account.  We were not provided with any details about the check.  We left the bank at XXXX XXXX  that night.  Despite my husband's identity theft, the call center has not provided any additional information.  We need to know exactly what happened and a copy of the XXXX check.  We have filed a police report.  The call center at PNC bank needs to be closed.  The branch did help us but they don't have information about the incident.  PNC's horrible call center needs to cooperate with the police.
Complaint sub-issue: Didn't receive services that were advertised

I was enrolled equifax.com in a credit service since XXXX. I kept it paid yearly and renewed in XXXX, I could not use the service after renewal into XXXX and called to resolve this for a month getting answers it would be resolved. They screwed it up when they added myequifax.com and another account was opened. they seemed to have conflicted and they are not resolving it. i could not log in any longer and they could not fix it. recently they poked me yet again telling me they have no email address for me by a post card and I can not get in touch to get this fixed and do not want to spend another month. I can not log in and when retrieving password it says I do not have an account, but when I fill out all my info it says I do and will not send me anything to get it working. I can not get my credit report or the service with them any longer and wasted money in the past. I need their attention that this has not been resolved and I have spent too much time to beg them to get my account in order. The timeline may be off some, but the problem does exist.
Complaint sub-issue: Problem accessing account

Betterment froze my acct due to what they thought was fraud, it was not and I explained the situation and provided them via email a copy of me and my drivers license as requested a week later and after calling everyday still frozen. I cant pay my bills no one will return calls. Then they ask for my sons Drivers license and him holding it, which we did and still nothing. Its been over a week. I finally get an email today saying they closed my acct and now I have no idea where my money is or how to get it as no one will respond. This is going to make me late on my bills and destroy my credit score.
Complaint sub-issue: Problem with fees

I was offered a balance transfer in XXXX XX/XX/XXXX from citi cards ( XXXX XXXX ). I accepted the offer at {$15000.00} with XXXX interest until XX/XX/XXXX at fee at {$450.00} ( 3 % ). Subsequntly, citi broke the contract by charging me interest XX/XX/XXXX {$100.00} and then XX/XX/XXXX {$40.00}. I informed the bank of mistake. They offered a refund of XXXX It was not acceptable. I borrowed from another card ; XXXX ; made the full repayment of all outstanding balance at XX/XX/XXXX {$13000.00}. The bank only reimbursed me for the wrongly charged interest rate of {$14000.00} but never offered either apology or reimbursment for wrong advertising ; enducing me into the deal ; breaking contractual arrangements or my additional costs. I asked for a refund of {$450.00} fees. It was not given - no explanation from the bank. They made {$450.00} on a 6 - month loan for XXXX - outraougous 6 percent interest - something i would not agree beforehand as i had other attractive means of funding in XX/XX/XXXX. 
XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : Credco I never authorized XXXX  XXXX nor Credco to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
Complaint sub-issue: Threatened to sue on too old debt

Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.
Complaint sub-issue: Their investigation did not fix an error on your report

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, XXXX and Equifax for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX