Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
Complaint sub-issue: Reporting company used your report improperly

I previously filed a complaint with the CFPB about Equifax and they responded by saying that the information was verified, but they did not answer any questions as to who verified this information and where they got it from and this is the information I requested. My rights are being violated. I have this item on my report and it shouldn't be. In accordance with the Fair Credit Reporting act MN Child Support Enforce 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 a account without my written instructions. This information needs to be removed.
Complaint sub-issue: Problem with statement of dispute

I submitted a complaint with the CFPB regarding an issue with Equifax reporting XXXX XXXX XXXX accounts that I was an authorized user on. I am no longer associated with the account so I requested the accounts to be removed. The CFBP sent my complaint to Equifax and I just received an alert that the accounts are still on my report and no longer in dispute. This cause my Equifax FICO score to drop XXXX points.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent in the things that I was asked to send in by the credit company. I do not know why the items are still showing on my report. I was informed that they would be removed within 72 hours when I spoke on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Threatened to sue you for very old debt

For the secnd time in over 7 years Citibank, N.A> is taking me to court over a depth thatI do not owe them, They Illegal tranfered money to a Fake Account at XXXX XXXX back in XXXX or XXXX. I informed them I did not authorize thei tranfored, but they sent the money to XXXX any way!! And NOW again they are taking me to court for the second time. The first time they did not show up to court
Complaint sub-issue: Company closed your account

On XX/XX/2020 my Costco Citi credit card account has been closed, I come to know through my Citi mobile app. I called to customer service of Citic bank and they said my account has been closed and they do not know the reason but I should receive a letter explained the reason. 
I got a letter on XX/XX/2020, but it does not have the reason mention. I called the customer service again and they said me to send a request form to Citi bank location to ask for the reason of my account closed.
Complaint sub-issue: Debt is not yours

I have not subscribed to XXXX XXXX XXXX XXXX services for over 5 years. This is an attempt by them to collect on charges that used to be on my credit report and was removed by the CFPB due to them illegally re-aging the account.
Complaint sub-issue: Debt is not mine

Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.
Complaint sub-issue: Account status incorrect

Equifax and XXXX are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.
Complaint sub-issue: Reporting company used your report improperly

Please see attached letter that was mailed certified XXXX regarding my privacy.
Complaint sub-issue: Information belongs to someone else

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

After relentless effort to have an entry removed from my credit report as it is IN ERROR, the Florida OFR was FINALLY able to get the company XXXX XXXX to admit their error and agree to delete from my report. In a letter dated XX/XX/18 from XXXX, a request for deletion to all 3 credit bureaus was submitted. Ironically, Equifax is the only one who has NOT removed the derogatory information, It has been almost 4 months and it still remains. I honestly believe this CRA gets a thrill or may be a kickback of some sort by NOT removing negative information albeit INACURRATE. I had previously disputed with them on several different occasions and item always came back as verified accurate. Funny that the company has admitted otherwise ...
Complaint sub-issue: Account information incorrect

Nelnet is still reporting student loans that were transferred to XXXX on my XXXX credit report. I disputed with XXXX and they say Nelnet says it is valid. Which I have emails that prove otherwise.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE
Complaint sub-issue: Account information incorrect

account # XXXX is showing in my credit report with a balance of {$13000.00} and a limit of $ XXXX to the XXXX XXXX XXXX XXXX sincXXXX XXXX. While I did attend the university, I was not in school for the period shown, moreover all debts with the university were settled and had to be settled before I could receive my Diploma in XXXX. The phone number located in the credit report is a non working number, I tried reaching it for more than 3 months without success. This debt is showing only in Equifax and I would like it removed immediately. I have no debt with the XXXX XXXX XXXX XXXX. This debt is fraudulent Thank you
Complaint sub-issue: Account status

Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.
Complaint sub-issue: Public record information inaccurate

My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all XXXX major credit bureaus including Equifax, XXXX and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from XXXX and Equifax was received XX/XX//2022.
Complaint sub-issue: Information belongs to someone else

Well a new account was opened up XX/XX/XXXX of 2022 up under my name which I never authorized and I had a freeze on my account because of fraud but Equifax seem to allow new accounts to be added on my account with a freeze on it but can never answer how that happened which this account is not mine I never opened this account that was open up XX/XX/XXXX or 2022
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX Equifax Mortgage Service XXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.
Complaint sub-issue: Debt is not yours

XX/XX/2013 {$3800.00} not familiar with this debt account!
Complaint sub-issue: Problem with paying off the loan

I sent a cashier 's check to Mechanics Bank to pay off auto loan. I overpaid the interest due and the bank states they do owe me a refund of the overpayment. They have released the title and sent it to me and they admit they owe me a refund of the overpayment amount. My problem is they say they will hold my overpayment amount for 45 days even though the cashiers check has cleared, they have released the title, and I have no other accounts with them. 

Why can they hold my money and not refund for 45 days??
Complaint sub-issue: Debt is not yours

XX/XX/2020 To whom it XXXX concern : I would like to file a complaint against two collection companies, XXXX XXXX XXXX, as well as Bureaus Investment Group. 

I received a letter today from this XXXX XXXX XXXX, in which they are claiming that I owe a collection debt from XXXX XXXX XX/XX/XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XX/XX/XXXX any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation.

As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.
Complaint sub-issue: Can't close your account

On XX/XX/2021 PNC Bank closed my virtual wallet account # s ending XXXX, XXXX and XXXX. Please note that I have been banking with PNC for over 30 years and before that when this bank was XXXX XXXX. During my 30+ years as a customer. PNC has practice changing my accounts from one account number to another account number without my request and/or knowledge, closing my accounts and transferring to another and/or closing my accounts without my knowledge and/or request. Then they send me a notice after the fact. This is the last straw for me. When I contacted PNC I was informed this time my account was overdrawn {$6.00} for over 30 days which is untrue and that is why they closed my accounts. Only account # XXXX was overdrawn {$6.00} but they closed all 3 accounts # XXXX, XXXX & XXXX. I was informed by branch Representative that account # XXXX was only overdrawn less than 30 days. I explained to them that this bank ( XXXX ) needs to remain open because I use it for my direct deposit from IRS every year which I have already filed and use it to pay my bill as automatic pay. I spoke 2 Bank managers named XXXX XXXX and XXXX and was told that my accounts were closed will not be reopened. As I was speaking to them all of my bank information of my closed accounts was removed from my excess. 
As a customer for many years l should have received better treatment.
Complaint sub-issue: Account information incorrect

XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; 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
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

2. Identity Theft CITIBANKNA Account Number : XXXX This is not mine.

3. Identity Theft CITIBANKNA Account Number : XXXX  This is not mine.

4. Identity Theft THD/CBNA Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is not mine.
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  : Acc # XXXX, XXXX XXXX : Acc # XXXX, XXXX : Acc # XXXX, XXXX XXXX : Acc # XXXX XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX XXXX  : Acc # XXXX, XXXX XXXX Acc : # XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX  : Acc # XXXX, XXXX  XXXX XXXX XXXX Acc # XXXX, XXXX  : Acc # XXXX, XXXX XXXX  XXXX : Acc XXXX XXXX XXXX  : Acc # XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended  XXXX  University in  XXXX   XXXX , NJ from   XXXX   XXXX   to   XXXX   XXXX   as an  XXXX  in the   XXXX   XXXX   XXXX  . I did not like my major and college in general was not working out for me. My grades were okay to start off and then proceeded to get terrible by   XXXX   XXXX  . I took a leave of absence which turned into me just dropping out. Each year had costed about {$20000.00} total and so my total in borrowed money from the private student loan company "  Salliemae '' w as about {$29000.00}.  XXXX  loans were used,  XXXX  for {$22000.00} and  XXXX  for {$7000.00}. The interest rates are  11/38 %  8.88 % and they 're fixed rates and can not go down. I just moved out of my parents ' house living in an apartment on my own and I 'm realizing how difficult it is to keep on paying the monthly payments I have been paying for the pas t two  years. Since   XXXX   I 've been paying {$580.00} monthly total in student loans, {$450.00} to Salliemae and {$120.00} to a federal student loan.     Recently I called Salliemae explaining the situation and asking if there was any alternative monthly payment plan and they said simply no. They said that income based repayment plans and things of that nature are for federal student loans only, not private student loans. They went on to explain that the only choice was basically to be late with my monthly payment, get a late fee applied to my account of no greater than {$25.00} and they wait for the collections agency to contact me about collecting the debt. This is what I 'm currently doing but I 'm afraid it will ruin my credit and I 'm afraid that Salliemae might take money directly from my paycheck.
Complaint sub-issue: Their investigation did not fix an error on your report

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in XXXX.