Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.
Complaint sub-issue: Other problem getting your report or credit score

I have called Equifax Several times and have been unable to see my credit report since XX/XX/2022 2022
Complaint sub-issue: Delay in processing application

First Progress Cards are PREDATORY LENDERS. This card was advertised to me through XXXX XXXX. I applied for this secured credit card on XX/XX/XXXX. I made a {$500.00} payment to them in exchange for {$500.00} worth of credit. The initial email said that if approved I would receive my card within 7-10 business days. On XX/XX/XXXX I received an email stating that they needed more documentation in order to approve my application, which is CRAZY. I have numerous credit cards, a few of which have limits in excess of {$25000.00}. None of those cards required me to submit ANYTHING to be approved and they are not secured cards. It is very suspicious that they would require additional documentation in order to loan me MY OWN MONEY. Well, it turns out that the the email they sent requesting more documentation does not have a link to upload the documents. There is literally no button to click on. There is no way to speak to a person. The only way to communicate with them is by writing a letter and mailing it to some random po box . I have the " thank you for your payment '' email from this company. There is no way that they should be allowed to do this to people who are already in financial turmoil.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Complaint sub-issue: Can't use card to make purchases

Discover Card. On XX/XX/2022, while traveling, Discover Card, without warning and for not decernible reason, put a hold on my card. I was sent an email which required me to down load a poorly worded form statement and take it to a notary, have my signature placed on the form before the notary, have the notary sign the form and then mail it to Discover. This was impossible at the time as I was traveling from Florida to North Carolina. I called Discover and was shuffled from one operator to another. Noone could tell me why they had taken this action to freeze my account nor would they do anything to assist me in resolving this issue. I feel this was an unfair and deceptive trade practice.
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, EQUIFAX, AND XXXX CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED EQUIFAX, XXXX AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Complaint sub-issue: Debt is not yours

I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there. 

I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo. 

I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}. 

Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

I had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the XXXX  collection also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the three credit reporting agencies as its a duplicated re-aged collection.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Complaint sub-issue: Reporting company used your report improperly

CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Public record

I 've filed multiple disputes stating I was not at the bankruptcy office when this was filed in my name. Equifax has ignored this request multiple times. XXXX XXXX and XXXX have both verified that the items were indeed fraud and removed them from my credit file. Equifax continues to state they are mine based on " verified '' information. Which is information that has been stolen therefore ; Equifax is only matching my information to another database. As of last week, Equifax has now changed the dates for the date the bankruptcy was filed ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and the date that it was discharged ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. ) THIS IS ILLEGAL!!!! Equifax is purposely changing the dates because as I stated in my Civil Suit against them, I can prove that I was at the airport at the time that it was filed. THIS BANKRUPTCY NEEDS TO BE DELETED TODAY! My attorney has been made aware of this new fraudulent practice by Equifax and we will act accordingly. I know my rights under the FCRA and I will be pursuing them against Equifax to the fullest extent of the law. 

I have attached the information that they are changing. 

DELETE THESE ITEMS FROM MY CREDIT REPORT. THEY ARE NOT MINE. I DID NOT OPEN THEM NOR DID I AUTHORIZE ANYONE ELSE TO DO SO.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX
Complaint sub-issue: Problem using a debit or ATM card

This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.
Complaint sub-issue: Information belongs to someone else

I applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Complaint sub-issue: Account information incorrect

I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. 
XXXX XXXX XXXX This account has a XXXX balance. It was paid off in XX/XX/XXXX. This is non-factual reporting Please update the balance on this account. XXXX XXXX XXXX  XXXX The account reflects 15 chargeoffs. An account can not reflect a charge off every month. Payment history is incorrect from XXXX to present. This is non-factual reporting. Please remove this account.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I contacted US Bank Reliacard to file a fraud complaint concerning a large amount of money that was missing from my account, {$5600.00} to be exact. On that day I had the opportunity to reconcile the entire account with a reliacard fraud liason by the name of " XXXX ''. We reviewed the account together since its inception date of XX/XX/XXXXXXXX  up until XX/XX/XXXX. Her determination during our conversation was that my suspicions were valid and that the claim was legitimate. She then told me she was sending me account affidavits that I would need to sign in front of a notary and return to her within 10 business days of receiving them, which I did. I received a denial of claim letter in the mail on XX/XX/XXXX and called reliacard to express my disappointment and let them know that I would still be pursuing a refund of my money regardless of what the determined since I was telling the truth. 

During our conversation on XX/XX/XXXX XXXX had told me that she had to cancel my card ending in XXXX so no further fraudulent transactions could be made, I agreed. At that point I had no access to my account since there is no physical bank you can go to, only use the debit card to access your funds. 

I tried for 2.5 months to be issued a new card and reliacard would not send one to me until I satisfied the ID verification process to their satisfaction. I was not able to accomplish that until XX/XX/XXXX when a new card was finally sent to me, a card ending in XXXX. My prior card number was ending in XXXX. 

As money continued to diappear from my account I contacted them several times finally requesting a full account of my debits, purchases, any and all account activity since XX/XX/XXXX to be mailed to me. At first she sent just the month of XXXX so I had to reach out again and request the full account history which I just received on XX/XX/XXXX. In looking at the statement there are {$11000.00} in debits from my account in XXXX, {$2100.00} in XXXX and {$1000.00} in XXXX none of which were made by me since I had no access to my account whatsoever until XX/XX/XXXX when they finally sent me a new card. So I am filing a claim for {$20000.00} to be returned to me with interest of 3.0 % compounded daily. 

In speaking with reliacard today she let me know she found two other cards that I had never seen, one ending in XXXX and the other in XXXX. The XXXX one was opened on XXXX and closed XX/XX/XXXX and had over 500 transactions on it. She would not tell me what address they had sent them to. I tried to get her to file a fraud complaint and she refused.
Complaint sub-issue: Old information reappears or never goes away

I have been working with XXXX since XX/XX/XXXX. They successfully removed several negative items from my credit report. Within the last 30 days XXXX XXXX XXXX has put 5 collection accounts back onto my XXXX and XXXX credit report, and 2 accounts back on XXXX that were removed. That is 12 negative collections that were removed, that were put back onto my report ... ..They changed that Account numbers, but they are identical accounts, amounts, and open dates .... Removed From on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed I know three accounts were removed from XXXX around XX/XX/XXXX, but i 'm not sure which ones as i am waiting on XXXX XXXX to send me a more detailed report then what i currently have access to. I can provide that report once I am in possession of that. XXXX XXXX added these removed accounts back onto my credit reports under different account numbers on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX This is UNETHICAL and harassment ... ..I have worked very hard to get these medical collections removed from my credit report, and I have paid a lot of money to XXXX XXXX to do so. XXXX XXXX confirmed that the origional accounts all started with 3 ... .Now the duplicate accounts all  have account numbers starting with 8 I am attaching a credit report from XXXX XXXX XXXX with the original accounts numbers starting with a 3, and a report from XXXX XXXX showing that this company created duplicates of these removed accounts with different account numbers starting with 8 .... I want XXXX XXXX aka XXXX XXXX XXXX to be investigated, and to take every step possible to shut this type of company down!!!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020 ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX, XXXX  XXXX to notify them that once again the insurance was filed wrong, and not with all the insurance that I have, I provide XXXX  XXXX associates the correct information to refile with insurance companies, The person name XXXX XXXX stated that she would take care of it, On XXXX Americollect put bill on my credit report stating that bill was not paid, I explained to them that it was filed with wrong insurance company to process the remaining balance, the bill amount was XXXX, XXXX XXXX paid XXXX plus XXXX, the other insurance was listed as not paid, when I reached out to Americollect collections I talked with XXXX, she stated that bill was showing pending due to insurance, I then asked if it was showing pending why did they put on credit report, she stated for non payment I stated to her that, that was not true that I first insurance paid XXXX and XXXX, and that they failed to file with other insurance company, and that this should be removed until resolved, I called the insurance company they stated that the bill was not ever filed with XXXX, I called back and spoke with XXXX on XXXX, and asked what do i need to do to get resolved not answer was given.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Didn't receive terms that were advertised

PNC offered a sign up bonus after {$2000.00} Direct deposit and 10 debit transactions. PNC notified me that several deposits were direct deposits. I thought I met the requirements until the end of the promotional period when they refused to honor their offer.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2018 Equifax received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX  XXXX # XXXX, 8.XXXX XXXX  # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
Complaint sub-issue: Didn't receive terms that were advertised

PNC included a free safety deposit box with my premium virtual wallet account when I opened my accounts about 15 years ago. This year, they are charging me {$88.00} with a payment due date of XX/XX/22.