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

I decided to get my credit pulled due to a couple of collections 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. 

XXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$63.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information, along with the information of most adults in the United States. This put me, and well over 100 million others at risk, and is unacceptable. I am listed as a potential victim according to equifaxsecurity2017.com, and I would like a resolution. 

Equifax 's efforts to notify the public of this massive and dangerous breach are lackluster. The company took too long to notify the public, and are not making enough of an effort to protect those who are affected.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my credit report from XX/XX/2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act. 

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX. XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX for {$88.00} 3. XXXX XXXX XXXX XXXX for {$100.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. An unnamed medical account XXXX 7. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

I have graduated from college and am ready to repay my federal and private loans. I work for a XXXX XXXX full-time and a XXXX XXXX part-time and my annual salary totals approximately {$34000.00}. The lender for the federal loans ( XXXX ) has agreed to an income-based payment plan, which I am comfortable paying. When I contacted Sallie Mae, they informed me that they don't have this option. I was told that the only option they offer is a one year plan where I pay the interest-only on the loans. The savings per month was negligible and only puts off the inevitable. Furthermore, the loan rates are variable and my payments are {$730.00} -- an amount I can't afford and will increase as the interest rate fluctuates causing my payments to increase month-to-month. My rent is {$850.00} per month without utilities. In order to pay this amount each month to Sallie Mae, I will have to go bankrupt on my current credit card debt, as it is impossible to pay everyone. My loans with Sallie Mae have been accumulating interest while I've been in school and have now topped {$80000.00}, two of which have interest rates over 9 %. Please understand, I'm not making a complaint so that I can default on my loans, I simply want a payment plan that is based on my ability to pay - something banks require in order to lend you money in the first place. This complaint is being made because no lender should have a right to force me into poverty.
Complaint sub-issue: Account information incorrect

Due to financial hardship, I was unable to pay my Discover Card payment. I contacted them at one point to bring the account current as I was due an adjustment. Discover failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC REPORT
Complaint sub-issue: Information belongs to someone else

CFPB NUMBER : XXXX To whom it May Concern : Hello, my name is XXXX XXXX XXXX and I On XX/XX/2021 your office received my request for XXXX, Equifax, XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.
Complaint sub-issue: Other problem

I was recently traveling out of the country on XX/XX/XXXX, and I tried to use my Citi AAdvantage card in XXXX XXXX to pay for the taxi, and the driver kept getting a declined message point. I used another card. The next day I called Citi to find out what was going ; they told me that my credit limit was lowered from {$5000.00} to XXXX and that I could be transferred to another department to put a statement on my credit report because I had some late payments, etc. I have had this for almost five with an excellent payment record. Below is what they are showing on my account at the Citi site : Key Factor ( s ) Affecting Your XXXX Score : 1 Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to XXXX Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.
Complaint sub-issue: Received bad information about your loan

PHEAA wants me to make payments on a student loan that is not mine. For the last five years I have been asking them for a copy of a Promissory Note that I would have signed and as of date, they still have not sent me a copy. I have called and spoke to XXXX XXXX about two weeks ago explaining this again. I made payments on these loans in XXXX thinking that these were loans associated with students loans I have with another Servicer. I stopped making those payments when XXXX contacted me asking for my Social Security Number and DOB. I have asked PHEAA several times over the years to provide me with a copy of a signed Promissory Note and as of date, I still have not received any. 

Back in XXXX, I contacted all three Credit Bureaus and had them remove PHEAA from my credit reports, which they did. It wasn't until around XXXX or XXXX, that they started garnishing my Income taxes. I contacted the Department of Education and was told that PHEAA contacted them to get my personal identifying information, which they gave. I explained to the Department of Education that those loans do not belong to me, but by that time my information had already been compromised. 

I want this company to release me from this debt that I do not owe and to be permanently removed from all three of my credit reports. 

It is not fair for me to pay off someone else 's debt.
Complaint sub-issue: Problem getting your free annual credit report

I want a copy of my criminal background report from Equifax and XXXX. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.
Complaint sub-issue: Their investigation did not fix an error on your report

We have submitted a letter from Equifax indicating that they were deleting seven hard inquiries from our credit report. Instead of reading the letter they continue to offer us paid subscription services as a solution to our complaint We do not want to pay for Equifax services we want them to do what they stated they would do in the attached letter -- DELETE SEVEN ( 7 ) UNAUTHORIZED HARD INQUIRES.
Complaint sub-issue: Account status

equifax has my credit report all wrong and is refusing to fix it. Listed in the potentially negative is XXXX accounts that were never paid late. The credit report actually shows paid as agreed but yet they have it listed in potentially negative part of my report. These accounts should be listed in the satisfactory part of my report. Having this incorrect information reporting like this affecting my credit score which in turn is making it difficult for me to obtain credit.
Complaint sub-issue: Information is not mine

I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX
Complaint sub-issue: Reporting company used your report improperly

I submitted an online dispute with equifax on XX/XX/22 for XXXX account # XXXX. I received an update online on XX/XX/22 stating my account was verified as accurate. I'm confused as to how they were able to investigate this account in only 6 days and make a determination that its accurate. On XX/XX/22 I sent them a letter requesting them to provide me with validation of how they completed the investigation and verified this debt to be accurate. They are saying they did but according to law they didn't do a proper investigation. According to law they violated my consumer rights and these consumer laws. 
15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i )
Complaint sub-issue: Personal information incorrect

I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Debt was paid

US Bank is committing multiple violations under the Fair Credit Reporting Act. 

I am writing to request your help. They are reporting false and erroneous information to the credit bureaus. Please see some of the violations bellow : - Failing to investigate account - Failing to send late notice by mail as requires the California Credit Reporting Act.

- Negligence - Breach of contract Their wrong report is affecting me in a huge way. Its affecting not only my credit score, but also my psychological health. 

Please send the attached documents to US Bank. 

Thank you so much!
Complaint sub-issue: Frequent or repeated calls

They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them.
Complaint sub-issue: Information belongs to someone else

Equifax continues to report wrong information on my report. XXXX  has already investigated and removed the accounts. The following accounts are not mine and should be removed because they are fraudulent. 

XXXX XXXX -- Account # XXXX XXXX XXXX XXXXXXXX -- Account # XXXX XXXX XXXX -- -Account # XXXX XXXX XXXXXXXX XXXX XXXX -Account # XXXX
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 11 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon analyzing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the list of inquiries that are reporting on my Credit Report and needs to be removed : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ;XX/XX/XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX XXXX - Inquired on XX/XX/XXXX XX/XX/2019
Complaint sub-issue: You never received your bill or did not know a payment was due

Hello This is regarding my Best Buy credit card, back in XX/XX/XXXXXXXX and XX/XX/XXXX and XX/XX/XXXX, they stated in my report that Ive missed payment due to not having funds in my account, but the issue was not noticeable by me and I Never revived a bill saying I have missed a payment at that time. On top of that my main account source where I was doing payment had closed with out me noticing kind of went thru hardship for a moment with out any notic that I was late on payment thinking that it was done automatic, so I contacted the credit company and they promised to fix the issue and remove the late payment marks witch never happened. As you see Ive never missed a payment ever since or before that. And Im so upset due to the fact they gave me their word to fix and help me remove isssue and didnt. What should I do please help me with this issue thanks.
Complaint sub-issue: Problem with balance transfer

For the last several weeks I along with my wife have been searching for the best balance transfer credit cards with zero percent Annual Rate and zero balance transfer to include the transfer itself. I finally found the Discover It card so I called the number XXXX at XXXX hrs. onXX/XX/2019. I explained to the agent my specific question on if the zero percent balance transfer applied to the initial balance transfer also and she replied yes. Some institutions will charge a 3 % fee. My wife being a XXXX  for 17 years had me place the call on speaker and ask the agent to please repeat it and she did. She then informed me to apply either online or by telephone and once I do they will perform the balance transfer. I did exactly as I was instructed to do. Today, XX/XX/2019 I received the card. I immediately contacted the number listed to activate and placed the call. As I provided all of my personal information to complete the transaction, the agent told me that there would be a {$270.00} fee for the balance transfer. I then explained to 4 agents which included Management my encounter with the agent on XX/XX/19 where she specifically confirmed for me the 0 % balance transfer. The complaint is that I was confirmed for a zero percent balance transfer to include the transfer itself and now they are charging me 3 % of the amount.
Complaint sub-issue: Information belongs to someone else

ACCOUNTS WAS OPEN IN MY NAME I NEVER THIS COULD HAPPEN
Complaint sub-issue: Debt resulted from identity theft

AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.
Complaint sub-issue: Account information incorrect

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 United States Code 1681a ( XXXX ) You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 United States Code 1681a ( XXXX ). You did not exercise your grave responsibility, you were unfair, you were partial. I am filing a CFPB complaint, and shortly I'll be filing an Attorney General complaint. You never had a permissible purpose Under 1681b ( XXXX ). I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I was impacted by the data breach and my credit scores have suffered.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Complaint sub-issue: Problem making or receiving payments

We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. 
Services were not rendered. Vendor did not show up to perform services on our wedding day. 
It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. 
The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. 

We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. 

We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further.
Complaint sub-issue: Debt is not yours

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Keeps Selling An Alleged Debt They're Trying To Say That I Owe To 3rd Party Companies. I Have Never Entered Into Agreement With Any Of These 3rd Party Companies Such XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I Have Demanded That All Of These Collection Companies Provide Proof Of Validation Of The Debt, Which None Of Them Have Been Able To Do So. This Is Negatively Effecting My Credit Score And This Needs To Stop Immediately.
Complaint sub-issue: Information belongs to someone else

FOR MONTHS I HAVE BEEN SUBMITTING DOCUMENTS TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. PLEASE NOTE THAT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MAILED THEM MY POLICE REPORT. AT THIS POINT I CAN ONLY IMAGINE THAT EQUIFAX IS DOING THIS ON PURPOSE, OR THEY ARE THE ONE WHO SOLD MY INFORMATION TO THE FRAUDULENT PERSON. BECAUSE THE SAME ACCOUNT WAS DELETED FROM XXXX AND XXXX XXXX 3 MONTHS AGO. 

I STRONGLY BELIEVE EQUIFAX SOLD MY INFORMATION THATS WHY THEY ARE NOT REMOVING THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

I BELIEVE XXXX XXXX AND EQUIFAX ARE DOING THE FRAUD TOGETHER, THEY ARE THE ONES WHO SOLD MY INFORMATION.