Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I filed a dispute in the early part of the month of XX/XX/XXXX for many fraudulent charges that took place for more than a year. The disputes amounted to over {$6000.00} in unauthorized purchases. The charges dated at least back to XXXX of XXXX maybe further, and continued until XXXX of XXXX. When I started the claim I spoke to a representative about the unauthorized charges that I noticed after some time had passed. I had my card paid automatically and never really looked at my electronic statements. I informed them that my wife had a similar discover card with them and that we had done low interest balance transfers from high interest cards to a discover card. I was not sure and I confused that I was the one who put the balance transfers on the card. Under that pretense and the fact that I didnt really look at my statements, I did not think anything of the higher payments. When they asked why I took so long to report the charges I explained these things to them. And when they asked how I finally noticed I told them that XXXX  XXXX had informed me of similar charges suspected of possible fraud just on a smaller scale. I filed a claim with XXXX  XXXX for the fraudulent charges as well and my charges were refunded. I told them upon checking my cards I saw these charges and noticed they were the same charges similar to the ones XXXX  XXXX informed me of. It was at that point that I realized that the balance transfers were mostly on my wifes discover card. They went over the charges with me and filed the claim. I was called by someone shortly after asking about the claim and asked the same questions about why I took so long to file the claim and why did I finally notice. I told them the same thing that I told the previous representative. I also mentioned that we had our direct neighbors move out in XXXX and at some point a few years prior my wallet was missing and they returned it to me. So I felt they could have obtained the numbers of my cards. In addition shortly after they moved out we were informed by our isp that they had been using our WiFi for years and that they somehow had the password. I was told that my account would be credited for the charges in question while they researched the claim. They totaled {$6800.00}. I was called a week later and asked the same questions again and again I answered the same way I had previously. I was called a month later or so and told that my claim had been denied mainly based on the fact that I waited too long to file the claim. I asked about appealing the decision and they gave me the run around and discouraged me from doing so and advised me to pay more attention to my statements. Attachments include Discover Statement that shows all disputed charges and total amount which was temporarily credited. Second upload is a screen shot of an email from XXXX XXXX assuring me that I am not liable for these charges as I did not make them.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I called XXXX XXXX XXXX  to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from Equifax, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from Equifax ) The results were that the creditor has verified to Equifax that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Application denied

pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  report with an good credit score XXXX base off usa population a XXXX credit score is considered good and no risk factor not only did i already had current years of loans paid off auto loans never late, current loans being paid ontime, and have credit card being paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers told me about how pnc bank is a good bank to start a long relationship with and so i applied and denied me of really no good reason to say i am a risk when i am not i feel ive been mistreated in the fair process and in reviewing other pnc credit cardholders reviews that they got approved with limited credit experience and lower credit score of XXXX i am dissapointed of the denial when i already establish enought credit for an approval in my opinion maybe pnc under writters are being more tengy on approvals because of covid-19 pademic even with my profile of years on ontime payments, no lates ever, i already shown i can handle credit and deserve an approval.
Complaint sub-issue: Investigation took too long

XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX CARD, THE XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, Chapter XXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX BANK, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX OF XXXX and XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing/Pennsylvania Higher Education Assistance Agency has lie d to me on numerous occasions with regard to whether my payments qualify for t he Public Service Loan Forgiveness program. In a pho ne call in   XX/XX/XXXX   a representative for  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  told me that  only three pa yments during my time with my current employer would count toward the 120 required payments to quality for loan forgiveness. She told me that the payments must be consecutive and that each forbearance or missed payment would restart the count. This is a lie. When I found out that she, representing  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency,  had lied, I called back to let them know I was aware that the company deliberately misled me. I was told in mid  XXXX  by a different representative to resubmit my payments for review. I was again told that my payments during my current employment did not qualify. This time the reason was that I had paid  XXXX  short of the amount due. No one would ever pay less than a dollar of the amount owed. They could n't even come up with a decent lie. I am unable to address this because only the five most recent payments I 've made are available on the website. Only the most recent statement is available. I have been paying loans since  XXXX . Luckily, I keep screen shots of all my payments. The representative said that it must be an issue with my previous loan servicer. That is also a lie.  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency ha s been my loan servicer since well before I started working at my current employer. In fact, they approved every  one  of my payments at a previous employer with no trouble. Their efforts to exclude the payments I have made toward my loan balance at my current employer is baffling. In addition, I was advised not to pay more than my income-based total so I would " not seem as though I did n't need it, '' the it meaning the  Public Service Loan Forgiveness program. At no point was I made aware that my overpayments could be put to ward the principal balance. Rather than apply the extra amount paid toward my principal balance,  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  instead reduced my amount due each month so that  I at one point had a balance due of {$0.00}. The practices of FedLoan   Servicing/Pennsylvania Higher Education Assistance Agency  are predatory and illegal. This has happened because the federal government privatized and outsourced its loan servicing.
Complaint sub-issue: Account status incorrect

Home Depot reporting past due, incorrect credit delinquency. no past due payments should be reported 30 days late
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Company , LLC, Doing Business As, ERC Reported a false balance onto my credit report that I DO NOT OWN in the amount of {$1300.00} on XX/XX/XXXX by there client XXXX. 


I CONTACTED ERC on XX/XX/XXXX and ERC Agreed to summit deletion request with all credit bureaus involved. ERC sent a letter via email stating the account will be removed with a confirmation number for the deletion XXXX As of XX/XX/XXXX ERC continues to report false and inaccurate information onto my credit report.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Complaint sub-issue: Account information incorrect

I HAVE NEW UPDATED INFORMATION! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN I GRANT EQUIFAX MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, submitted a dispute of information, obtained from accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, to EQUIFAX and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to EQUIFAX for the details of the investigation that they did to verify this account. This is my second request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and I requested a description of the procedures used to determine the accuracy and completeness of the information reporting. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to EQUIFAX 's blatant disregard for federal law. It is my belief that EQUIFAX feels comfortable committing blatant violations of the FCRA because they know the CFPB will not enforce the laws set forth by congress as shown time and time again. EQUIFAX has caused me stress, anxiety, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Pursuant to 15 U.S.C. 1681a ( e ), " The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. However, such information shall NOT include specific FACTUAL INFOTMATION on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Since this statement let 's me know that their " investigation '' is not valid, this information must be excluded from my consumer report. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) also states that the consumer report should NOT include a report containing information soley as to transactions or experiences between the consumer and the person making the report. Late payments and utilizations are transactional information and experiences reporting on my consumer report from EQUIFAX.
Complaint sub-issue: Information belongs to someone else

The information that is being reported on my credit report is not accurate. 
Company or Organization : DISCOVER BANK Account Number : XXXX Date that I discovered it : XXXX / 2019 Total fraudulent amount : {$15000.00} I have reported this information to FTC and will attach the file. This account, stated above, is fraudulent and needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX XXXX. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with XXXX  and XXXX  and Equifax unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX XXXX  for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Complaint sub-issue: Threatened to sue on too old debt

Taylor Law , PLLC, Located in XXXX, XXXX ( They represent XXXX , XXXX collection agency ) has filed/threatened to file a lawsuit against me over a Time Barred debt. The original agreement was with XXXX XXXX XXXX and according to their credit card agreement it is governed under XXXX State Law. The statute of limitations in XXXX is three ( 3 ) years, which expired in XXXX 2014, and places their suit in violation of the Fair Debt Collection Practices Act.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {$1800.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Problem with paying off the loan

I bought a car from Drivetime, the sticker price was at XXXX ended up with a XXXX, in the end after all payments are made I would have paid them {$27000.00}, I notice after two years I am getting charge a daily interest rate of {$5.00}, its making it impossible to bring balance down I tried refinancing the vehicle, but its only worth XXXX, no one will refinance the car because of what the car is worth, the car is just below the sticker price now, at {$12000.00}, I have called them several times to give me a lower interest rate the current rate is 15.9, I would like them to lower so I can pay off this debt, but they will not work with me, I have made all my payment on time so far and still they will not budge
Complaint sub-issue: Debt was paid

I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written Senator XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX.  Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX.
Complaint sub-issue: Old information reappears or never goes away

XXXX, XXXX, and EQUIFAX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, XXXX, and EQUIFAX have ignored my notices. As of today, XX/XX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
Complaint sub-issue: Problem with product or service terms changing

Had a mortgage with XXXX XXXX XXXX XXXX about 10 years ago. Received an alert from Credit Karma that XXXX XXXX removed my account from my credit report and caused an XXXX points drop on my credit score. Contacted XXXX XXXX but couldn't get help.
Complaint sub-issue: Information belongs to someone else

To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.
Complaint sub-issue: Reporting company used your report improperly

I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XX/XX/XXXXof 2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ). Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use.
The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.