Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received unwanted marketing or advertising

Ive received serval pre approved credit card offers and when Ive applied to them Ive been denied. This has happened several times.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Complaint sub-issue: Problem with customer service

I was told after 6 months my credit card will be switched over to a regular credit card and the deposit I paid will be mailed back to me well after the 6 months I called and they said its 7 months so it been 7 months and still havent heard anything from discover im very upset with discover
Complaint sub-issue: Public record information inaccurate

I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and Equifax ) XXXX XXXX XXXX- XX/XX/XXXX ( reporting to XXXX and Equifax XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )
Complaint sub-issue: Deposits and withdrawals

Bank records and personal assessment attached. 

Possible discrepancy between accounting and reported account balances. Where past account balances still available, assessment of records indicates possibility that revenue is missing from checking account. 

Transaction history was evaluated from XX/XX/XXXX until XX/XX/XXXX as of today, XX/XX/XXXX. Two sheets on attached documents show the full assessment, as well as two from XXXX and XXXX of XXXX ; and from XX/XX/XXXX until XX/XX/XXXX ( to count with the latest known account balance ). 

During XXXX, the last debit card was authorized. Then not authorized. I called to authorize it, the process worked like usual. Tried to spend on it after and the card was determined invalid by the machine the card was ran on. Tried to reauthorize it and it still didn't work. Got a new card now and this one is now working. This also happened to be near a large cash deposit from work I did with a sole proprietor. He doesn't have an assumed business name that I know of. 

Was this an account freeze to determine the legitimacy of income? 

Why was I not notified? 

How do authorized cards become unauthorized apart from consumer decision? Why are they invalid after being reactivated? 

Why, if there is such, are there apparent discrepancies between bank transaction records and the account balance posted? 

Do debit transactions go directly to the bank 's accounting? Or to the credit vendor advertised on the card? 

Does XXXX practice similar contract terms and conditions as XXXX XXXX or XXXX?
Complaint sub-issue: Other problem getting your report or credit score

I have called Equifax 3 times to ask why my credit score dropped XXXX points within a few weeks. Each time I call they give me a different answer about why they can not provide me with any reasons why my score dropped. I feel very strongly that if a credit reporting agency has the power to raise and lower your credit score and have that information impact a consumers an ability to obtain loans, mortgages, credit cards, etc., then the information should be extremely accurate and fair.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Trouble getting information about the card

( This is a summary only. ) I have a nys government benefit card account with KeyBank. The issue is that logging in always fails which requires that I call the KeyBank Support Center. The center simply " resets '' my account - which automatically signs me into the system. However, any successive attempt to sign into the KeyBank system, after the rest, just fails. And once again, I have to call the KeyBank Support Center to reset my account. This process repeats itself ad nauseam : a ) upon account reset you're signed in automatically, you do your stuff, and then log out, b ) successive sign in attempts fail, c ) call KeyBank Support Center to reset the account.
Complaint sub-issue: Information belongs to someone else

I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XXXX this debt was accrued in XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
Complaint sub-issue: Can't decrease my monthly payments

After being on the IBR repayment plan for nearly 5 years, the REPAYE repayment plan looked like an even better option for myself and my wife. Both of us have Subsidized and Unsubsidized Consolidation Loans with FedLoan Servicing, and both of us are XXXX pursuing Public Service Loan Forgiveness. We applied for REPAYE XX/XX/XXXX, got approved on XX/XX/XXXX, but since then nothing has changed. Our payments remained the same, except that we just got notice that now we have to pay nearly double our payments. Mine went from XXXX to XXXX, and my wife 's went from XXXX to XXXX. This is a total increase from XXXX to XXXX ( up XXXX or a 65 % increase ). Both of us have emailed twice ( XX/XX/XXXX, and XX/XX/XXXX ), and neither of us got a response the first time, and the second time I got a response simply stating to keep making my payments and it all should work out.
Complaint sub-issue: Need information about your loan balance or loan terms

Greetings, I have frequent and distressing problems with my loan company, MOHELA. My current problem is that they revoked my deferment ; while confusing ( I was under the impression from them that my XXXX enrollment was sufficient through XX/XX/XXXX! ), they also did so after a barrage of bizarre messages that appeared to change my loan terms from when they was instituted ( e.g., XX/XX/XXXX -- these were consolidated loans ), then notified me that a standard payment was due with less than 10 days warning. 

Further, they have ( and still do ) present me with conflicting information. I managed to get that first payment in by XX/XX/XXXX ( {$260.00} ), in fear of getting a 'late payment ' tag, but they were also telling me at the same time that a payment of a different amount ( {$270.00} ) was *first* due on XX/XX/XXXX. There is still conflicting information on their website -- it both tells me that a payment is due on XX/XX/XXXX ( {$270.00} ) and that no payment is due. Interest is accruing, however. 

Finally, I received no official explanation for the change in terms, nor why they instantaneously increased my Current Principal to {$21000.00} from {$20000.00} ( an increase, without explanation or warning, of {$400.00} ). 

I have asked them repeatedly for an itemized accounting of every aspect here, and they have stopped responding and refused to provide one, even after I indicated last week that I would contact you for help. At least once a year, I have some event like this occur with this company ; things only ever get sorted when I contact the CFPB or the Federal Loans Ombudsman. 

I am attaching a screenshot of my account after my recent payment ( as of today, XX/XX/XXXX ). 

Thank you for your assistance in getting MOHELA to account to me the circumstances of my Federal Loan. 

Best, XXXX XXXX MOHELA Account : XXXX
Complaint sub-issue: Problem with customer service

A charge to my Citibank account was made early 2020. It was for a flight to XXXX Ga, to cover the XXXX XXXXXXXX XXXX as a XXXX. This was a XXXX XXXX, transportation was paid for by my employer. ( They reimbursed me for the fee ) Covid-19 cancelled the tournament. I told Citibank the airline was refunding the fee, but the money had to go to the bank account on file. I talked to Citibank 3 times during the process, they said it would be taken care of. In fact, on the third call, Sunday, XX/XX/XXXX the rep from Citibank said this would be taken care of in three business days. Nothing. Today, XX/XX/XXXX, the company said it's not their policy to send back money, they reimbursed my account, end of story. It's not my money, it's not their money. They either lie to their customers to get them off the phone or chat or every rep is ignorant or a liar.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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: Public record

This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I have sent letters to the credit bureaus ( XXXX, Equifax and XXXX ), demanding delete these accounts from my consumer report, because I never gave them any written consent to report anything on my consumer report. They are in Violation of th

e U.S Code 1692c. They have done nothing to fix this. Pursuant to 15 USC 1681b-Permissible p
urposes of consumer reports a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

I, XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 

Concerning the account listed below as a Federally Protected consumer under title 15 Chapter 41 Im demanding a deletion of these accounts from my consumer report. 

ACCOUNTS XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. Original Creditor : N/A Account # XXXX Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Credit Karma Has Been Telling For Years Now That My Approval Odds To Getting A Credit Card They Recommend Is Either FairGoodExcellent And Once I Go To Do The Recommended Credit Cards I Get Denied, XXXX Dropped And A Inquiry On My Credit Report
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

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.
Complaint sub-issue: Information belongs to someone else

I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX  XXXX XXXX XXXX. I'm not responsible for this debt.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Bank Account # XXXX, Bankruptcy XXXXXXXX XXXX XXXX Ref. # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, The BUREAUS Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXhas 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Billing dispute for services

This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
Complaint sub-issue: Information belongs to someone else

I have been disputing one account that is on my credit report for XXXX and Equifax and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX XXXX {$17000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

Equifax is reporting XXXX late payments on XXXX of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Equifax is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Equifax never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.
Complaint sub-issue: Information belongs to someone else

Equifax still reporting an account that is fraudulently open and I reported and send the report to Equifax the account name is XXXX XXXX # XXXX. All the disputes I make they don't send me the evidence of they making an independent investigation and they don't accept my report, violating my rights.
Complaint sub-issue: Debt was result of identity theft

I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.
Complaint sub-issue: Information belongs to someone else

this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court