Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

Took out an auto loan/truck repossessed in 2001/never heard anything else from these people/have applied for credit/had nothing ..literally nothing on my credit report/then about maybe a month..out of no where i received something where I owed them with all of this interest out of no where ... no other paperwork or anything/I recently had XXXX ... so was n't up to par and I guess I did n't respond in time then a couple weeks later a judgment was made ... we are talking XXXX YEARS LATER..there has to be statue of limitations here that have been violated ... I need help desperately ... and do n't know where to turn
Complaint sub-issue: Information belongs to someone else

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX  {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
Complaint sub-issue: Account information incorrect

Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX have 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Reporting company used your report improperly

Equifax responded to me on the cfpb website and said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on my credit report. I looked at my report on the XXXX. They readded the account back to my report illegally. This is aggravated identity theft equifax us commit oh Not only did I not authorize them to do so neither did give them written instructions. This a violation of rights and causing harm to my reputation. My score dropped XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I completed a application for XXXX XXXX to Fed Loan Servicing. I was able to input all of the required information ; but when I pushed the submit button it would give an error message saying that " we're unable to take your borrower defense request right now. We're working to fix the issue. Please come back later to submit. We aploogize for the inconvenience ''. I have tried at least 50 times on different occasions ( XX/XX/XXXX to present ) to submit the application on different devices ( phone, tablet, and computer ) and browsers ( XXXX XXXX  XXXX ) yet I still get the exact same error message when I push submit on either device. There is a extreme flaw on the studentaid.gov website that is not allowing applications to be submitted. It is affecting the integrity of the fed loan servicing/ student aid borrower defense application submission/ process. With over XXXX XXXX students that utilize student aid through fed loan servicing and its affiliates ; the flaw on the website is a tactic that is being used by fed loan servicing to prevent students from having a fair opportunity to apply for borrower defense and receive a resolution in a timely manner. Its a ploy to frustrate students and have them give up on gaining a resolution that they are advertised to have as an option regarding addressing issues and violations that students experience and advertised for students to have access to. I have called and no manager or staff at federal student aid has been able to fix the issue with the borrower defense application submit button on the federal student aid website. I also read online on reddit ; posts from students in other states that have the exact same issue when trying to submit an application for borrower defense.
Complaint sub-issue: Overdrafts and overdraft fees

I overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.
Complaint sub-issue: Account status incorrect

I have subscription accounts with both XXXX and XXXX Credit Bureaus ( CB ). Equifax CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX XXXX. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am XXXX XXXX XXXX. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX Equifax shows a similar pattern, that being, failure to show these accounts as being deferred.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

My information, my wife 's information, and my daughters information all were breached by cyberhacker. i waited on hold 4 different times for a representative, more than 15 minutes each time and then they simply brought on a recorded line that told me to try later and disconnected me.
Why does the credit reporting agency even have my drivers license information? I find this to be totally unacceptable. I have no control over companies providing Equifax with my information nor do i have any control over Equifax diligently protecting the information.
In addition, all burden is on me to figure out if I was impacted when they simply could have mailed me a notice. They have known about the breach for over a month now. This is an area that I would expect my Government to be able to control and one that I expect my tax dollars to be used to defend my personal information.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Reporting company used your report improperly

THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

On XX/XX/2018, I received a letter from Factual Data stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. Factual Data failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want Factual Data to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, XXXX, XXXX  ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Complaint sub-issue: Billing problem

XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.

My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.

Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.

Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.

Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.
Complaint sub-issue: Information belongs to someone else

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX NA XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This literally my 4th attempt to have them fix this problem.
Complaint sub-issue: Old information reappears or never goes away

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, Equifax, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted Equifax on XX/XX/2022 after I noticed both inquiries from XXXX. XXXX  XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX  who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

ON XX/XX/20 YOU SEEM TO HAVE RECHARGED ME FOR MASKS FROM XXXX WITH A GUY WHO INITIALLY DIDN'T SEND THEM TO ME ON TIME, TO THE FACT HE CHARGED ME XXXX FOR WHAT WAS SUPPOSED TO BE XXXX BUT HE MADE SURE IT WAS ONLY XXXX. SO YOU CAN TALK TO THE MERCHANT IN XXXX SINCE YOU DIDN'T WANT TO TALK TO ME ABOUT THE DISPUTE THAT SHOULD STILL BE ONGOING AS I CALLED AND TOLD YOUR CS REP ONCE THEY WERE DELIVERED VERY LATE THAT NOW THERE WAS ONLY XXXX IN THE BOX WHEN THERE SHOULD HAVE BEEN XXXX. SO YOU LET ME KNOW HOW MUCH YOURE GOING TO CREDIT ME FOR THE MISSING XXXX OR ILL CLOSE MY CARD AND REPORT YOU ALL OVER DISCOVER. 
THE CHARGE DISPUTE IN QUESTION IS WHAT YOU JUST POSTED BACK TO ME. XXXX XXXX *XXXX
Complaint sub-issue: Information belongs to someone else

There are numerous inquiries listed on my credit report that were not initiated or authorized by me. This was a result of malpractice or an error.
Complaint sub-issue: Problem accessing account

Citibank made a stop payment {$110.00} check number XXXX paid to XXXX. 
XXXX discontinue my service ( cable tv / internet / phone ) on XX/XX/2019. 

I never made or requested stop payment on this particular check. Looks like someone is or has control on my account. i went to bank branch XXXX XXXX XXXX XXXX nye XXXX i talked to XXXX XXXX-XXXX she just gave me a run around so i requested to talked to the branch manager- XXXX XXXX . they told me he is busy and told me they will just just him to call me up. He never called up. I tried several times and try to reach him XXXX XXXX XXXX. no luck. i requested an investigation thru XXXX. 

this is dangerous having someone controlling my account ... 
citibank people lied to me several times ... they like running a fraud schemes. 
this should be investigated.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$5900.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Problem with customer service

I have been part of the Public Service Loan Forgiveness ( PSFL ) Program for several years. On XX/XX/XXXX I uploaded the PSLF Certification form that indicates I have worked for the State of California for the past year and to continue my participation in the program to my federal loan servicer FedLoan. Due to the national health crisis all California State employees are working from home and do not have access to regular work flows. My HR representative and I provided electronic signatures to validate the certification. On XX/XX/XXXX I received correspondence from FedLoan that stated electronic signatures are not valid and only wet signatures will be accepted. This is in direct violation of the U.S. Electronic Signatures in Global and National Commerce ( ESIGN ) Act of 2000 and the Uniform Electronic Transaction Act ( UETA ). With the passage of the ESIGN Act of 2000, electronic signatures became legal in all states and U.S. territories where federal law applies. Electronic Signatures refers to any electronic process that indicates acceptance of an agreement or record. My electronic signature and the HR personnel 's electronic signature that were provided on my PSLF certification fit this definition. Furthermore, they are requesting that I ignore county and federal health recommendations to obtain a wet signature when electronic signatures are valid and legally binding. I wrote to FedLoan on XX/XX/XXXX to explain this and received an email from XXXX at FedLoan stating that only wet signatures were accepted. This is an illegal policy. 
Thank you for your assistance with this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.
Complaint sub-issue: Problem getting my free annual report

In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Complaint sub-issue: Account status

CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to my credit report.