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

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX XXXX {$450.00} This account does NOT belong to me
Complaint sub-issue: Was not notified of investigation status or results

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO MAKE SURE THAT THEY'RE REPORTING 100 % ACCURATE INFORMATION. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.
Complaint sub-issue: Reporting company used your report improperly

I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes regarding the below inquires. I have reported to Equifax, XXXX and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

Equifax XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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: Told you not to respond to a lawsuit they filed against you

PNC DEBT COLLECTIONS HAS CALLED ME AND STATED THAT IT WAS A FILE ON ME AND I HAVE UNTIL XXXX TO RESPOND AS IF IS A LAW CASE. THEY ARE MISREPRESENTING THE DEBT COLLECTOR LAWS AND ARE INVOLATION OF DEBT COLLECTION LAWS
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Complaint sub-issue: Reporting company used your report improperly

NELSON & KENNARD ( XXXX XXXX XXXX ) unlawfully and deliberately published my copyrighted name amongst court records and have unlawfully defamed my name without my consent. On or about XX/XX/XXXX, I sent out a Conditional acceptance claim for proof of claims. I also stated, each and every averment be answered with law and specificities of law. I was ignored. On or about XX/XX/XXXX, I sent out a default notice for failure to provide any information regarding my Conditional Acceptance contract XXXX. Nelson & Kennard ( XXXX XXXX XXXX ) ignored my lawful requests and decided to go ahead with suit filed by them to XXXX COUNTY COURTHOUSE case XXXX. Since an arbitration was set, all parties were notified, Arbitration occurred on XX/XX/XXXX. The Arbitration award in the amount of XXXX has been awarded to XXXX XXXX at XXXX XXXX XXXX  XXXX. XXXX WA. XXXX. I demand, my property ( credit ) be restored. There will be a XXXX dollar fee for the use of my copyrighted name starting XXXX XXXX. This will be legally binding on all parties.
Complaint sub-issue: Didn't receive enough information to verify debt

The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to collect debt and I am requesting to have this removed from my credit report. In addition, they were unable to validate the debt.
Complaint sub-issue: Charged too much interest

Ive had an XXXX XXXX XXXX account since 1998. I had an interest rate of approximately 14.9 % initially that stayed that way for quite some time. Eventually, the card was merged with Citibank and it led to my interest rate being raised to 29 %. I paid this for awhile and decided to contact the card company to have my interest reduced due to financial hardship. I was denied any leeway on the payments or interest despite my long tenure with the card and asking for temporary assistance. I continued contacting Citibank to request an APR decrease but was always denied. Im still looking for a resolution to this issue so I can make my payments without further putting myself in a financial bind.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

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

15 U.SC 1681 section 601 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas.
Complaint sub-issue: Debt was paid

Attn : XXXX XXXX Citi Bank Executive Response Unit, I have received your response to my inquiry. However, I am not requesting for " credit of the remaining portion of the disputed charge '' as you stated. I am requesting credit for late fees and interest charges as promised by your supervisors while I was striving to get my money back from the merchant, XXXX. I reported that XXXX was delaying in getting back to me due to time difference and business location and also customer service inadequacies. The merchant is located in California and XXXX and all correspondence came from XXXX. The supervisors I spoke with during that time told me that once this is sorted out, every interest charges and late fees will be refunded back to me. 

I paid every bill until XXXX 2016 when I stopped paying because every bill that I was paying was an interest charge due to my current balance then. If you look at my record you would verify this. I stopped using my card but I was still getting interest charges and late fees as a result of the current balance on my account. 98 % of this money has been returned by the merchant and I still payed all these extra fees and you want me to pay more? 

I request that you kindly remove all extra charges that was accumulated as a result of this incident and let me know the balance that is due me, if there is any, so I can make a payment. I do not agree that I owe what you billed me on my current balance. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.
Complaint sub-issue: Information belongs to someone else

I check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach victim
Complaint sub-issue: Unable to open an account

I tried to open a Citibank savings account on XX/XX/2019. I completed the process and sent {$100000.00} via ACH. Citibank requested more information so I responded per the attached. The fraud department decided to close my account and only paid interest for one month. I've called numerous times to get my money back and no one has been able to help me. I spoke with FOUR people on XX/XX/XXXX and the last person, XXXX, said the fraud department was holding my check due to their inability to verify my address. As you'll see from the attachments I gave them everything they requested,.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).
Complaint sub-issue: Deposits and withdrawals

On  XXXX / XXXX / 2017  I went to a  CitiBank  Branch at  XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . I attempted to deposit cash into my checking account via the ATM. I made the first transaction a deposit of {$600.00}, I then deposited an additional {$180.00} into the same ATM  (  ATM #  XXXX  ). Instead of the ATM depositing the money into my account, the machine gave me a receipt stating " I 'm sorry, Because of technical problems, I ca n't return your cash right now. '' I immediately went inside of the bank and spoke directly to the ban k manager telling her what had happened and asking for her help to get the machine to eject the money back out. The manager sa id that she could do nothing and the machine would be locked until that Friday. The manager had me call a  XXXX  number on the back of my ATM card. with the receipt information. I called that number shortly after and was told that they are opening a case file and that I should call back the next day. The back manager also wrote the missing transaction amount on the receipt of {$180.00}.     I called back the next day and was told that it could take a few more days, each call back since  XXXX / XXXX / 2017  I have been given the same run around. Today when I called in I was told that the investigation would take another 30 days at least and to watch my email for the results. I have called in many times, and never get results. I feel that the companies plan is simply to make me wait until I give up, or I loose me legal options. For me the loss of {$180.00} is a lot, that is a bill or  XXXX  that can not be paid, or food that I can not buy. I really need help getting this resolved quickly.
Complaint sub-issue: Debt resulted from identity theft

this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP
Complaint sub-issue: Debt is not mine

Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.
Complaint sub-issue: Changes in terms mid-deal or after closing

My wife and I applied for an auto loan refinance on XX/XX/20 using the online application at PNC. She was approved for the loan with a rate of 3.39 %. PNC informed us that we would need to go to a branch to close the loan and the rate was locked for 2 months. We checked the website and loan portal link on XX/XX/20 and confirmed that the rate of 3.39 % was approved and the best rate offered on their website. On XX/XX/20 she went to the branch in XXXX, VA. After collecting additional information PNC informed us the rate was now 0.4 % higher. After informing them that was not agreed upon we logged on to the loan portal to see the rate was changed just minutes ago. We had a screen shot as proof of the original approval after the branch manager claimed we had no documentation to support our claim. The best rate offered on their website was 3.39 % on XX/XX/20 as well. This is classic bait and switch. They were unable to close the loan that day and were unsure if they could resolve the matter despite our complaints.
Complaint sub-issue: Account information incorrect

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas  resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas. XXXX hasn't produced info.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Personal information incorrect

I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME
Complaint sub-issue: Their investigation did not fix an error on your report

My Student loan has been taken over by XXXX XXXX  and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a quarterly summary letter from XXXX XXXX dated XX/XX/XXXX referring to a new inquiry alert type. The date of the alert was XX/XX/2021. The details of the alert or square capital LLC. The credit reporting agency was XXXX. I attempted to contact XXXX and square capital LLC by phone but was unable to speak to any representatives as there was no option to do so. Online with both companies got me nowhere. I need to know if a loan was taken with my identity fraudulently.
Complaint sub-issue: Problem using a debit or ATM card

So I have overdraft fees accrued in the total of XXXX us currency, based on another account holder who was once on my account, this account holder has their own account seperate from my account, and the charges were accrued in that account holders name my name or social is not linked to his account, and he accrued the fees on his own seperate account and the bank took all the fees and overdrafts from my account, I need them to replace my funds it was not authorized or legally acceptable. this bank is trying to hold me accountable for someone who has frauded their account that I have nothing to do with, and now they're telling me I have to close my account to rectify the situation and that is the only way he can come off of my account, and that information was not provided to me over 6 months ago when he was removed from my account, because they were sending my direct deposit info to his email, and I had to call them about that also, Now they have debited my account based on his fraud.