Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

After a very serious recent bout with  XXXX   XXXX   XXXX , in  XXXX  of  XXXX  I called the management office of a building I had to move out of in  XXXX  of  XXXX  ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all   XXXX   credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A st atement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Complaint sub-issue: Information belongs to someone else

violation of my rights cra inaccurate infomation sent the hpd report to them XXXX
Complaint sub-issue: Problem getting your free annual credit report

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, equifax and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

To whom it may concern, I, XXXX XXXX of the XXXX family am writing you today as an aggrieved man. I filed a complaint with CASH APP XX/XX/22 regarding my lost or stolen debit card. There were unauthorized transactions made using the card without my consent and or knowledge. CASH APP cancelled the debit card and sent me out a new one. 

However, my CASH APP account is now over drawn because CASH APP denied my claim. I demand that these unauthorized transactions be reinvestigated, and my claim be accepted. As a customer of CASH APP, I am disappointed in the shameful Behavior.
Complaint sub-issue: Don't agree with fees charged

I applied to XXXX in XX/XX/XXXX, graduated with an XXXX in XX/XX/XXXX and wanted to pursue my XXXX in XX/XX/XXXX continuing my knowledge in the same field. Unfortunately, all of XXXX got shut down due to fraud and when I tried to continue with my credentials, that I supposedly received already from XXXX, the new institution ( XXXX ) told me no one will be accepting any transfers or credits from XXXX. I am now responsible for a Federal Student Loan through Great Lakes Borrowers and I do n't feel I should be responsible to pay back anything due to XXXX going bankrupt and making promises they never fulfilled also for wasting my time in pursuance of a career that has no credential back up.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint due to no course of action being taken by the following XXXX, Equifax, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just enrolled into XXXX XXXX  XXXX XXXX  app because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think XXXX since XX/XX/1922 XXXX showing my social security number with the wrong address and the other XXXX with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the XXXX  XXXX as told to me through XXXX XXXX XXXX XXXX  app. Also I have received strange inquiries through my text msg on my cell number recently through cash app asking me to receive an money request and I have no cash app in my name. Also I reported last month the same as I received an email about a XXXX account that I never opened which I called them and reported it. As well as there is XXXX old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely hitech computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. Missouri who would beat the XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an evergy bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX ks that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.
Complaint sub-issue: Application denied

I applied for a Discover It credit card and it was initially declined, but after providing additional documents it was approved and a card was sent to me. After receiving it and trying to activate Discover stated I had to send them my tax returns before I can activate it. I refused to send them my tax returns since I already sent them enough information for a low end credit card. Even though I couldn't activate the card, they reported my account opened to the credit bureaus. If I wasn't qualified for the card they should have never approved me. 

Here are the dates : XX/XX/XXXX : Applied for card XXXX : Asked to upload bank statements, SSN Card, and confirm address, which I did and called in and they stated I was approved. 
XXXX : Started getting emails from XXXX to sign an IRS consent form 4506-T 9/9 : Received an email saying I was approved XX/XX/XXXX : Received the card and tried to activate it and was told I couldn't unless I provided my tax returns, Discover stated my account was opened and they will close it if I don't provided my tax returns. 
XX/XX/XXXX : I started getting notices from the credit bureaus that Discover opened the account. 
XX/XX/XXXX : Received an email from Discover saying my account was closed. 

If I didn't qualify for the account Discover should have never opened the account. It's horrible practice to open an account and even before I can activate it demand more information. This hurts my credit since it shows as a short term account. 

I would like Discover to activate the card or remove the account from the credit bureaus.
Complaint sub-issue: Can't get other flexible options for repaying your loan

To make a long story short there's multiple problems with SallieMae. 
I've tried working with them to refinance my loans for new terms and they refuse to do anything about it even though they've been getting paid for a little close to a year and half now. Also they wont release my cosigner even thought I've made more than the minimum payment in the last year and half. Additionally, they let me keep placing my loan in forbearance making it really hard to get out of debt by taking advantage of me know aware of the results that I'm dealing with now.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase online ( website : XXXX  ) for a jacket on XX/XX/XXXX, the amount of order is {$280.00}. 
I received a XXXX tracking number from this website, the order was supposed to ship from XXXX. I waited for a few weeks, but no tracking information updated at all. Later I went back to the website and saw that it was shut down, that when I realized it's a fraud website. 
I opened a dispute on the credit card charge with Citibank on XX/XX/XXXX, case number XXXX, submitted evidence ( I attached them to this form, too ), Citibank didn't contact me to ask for more information except rejected my dispute one month after the dispute on XX/XX/XXXX, with ZERO explanation provided to my lost. 
I contact Citibank customer service for the reason of losing the dispute, the representative gave me a local phone number of the investigator who's on my case. I tried that number many times and no one answers it. That's when I believe I've exhausted means to resolve this issue directly with Citibank.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX  for that particular billing of {$90.00} again, Making me owe the same amount twice!

In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail.

Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account.

The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ).

Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.
Complaint sub-issue: Reporting company used your report improperly

This has already been removed from my credit report and the company resubmitted it.
Complaint sub-issue: Application denied

applied online for Discover It student card. 

Denied reason : No credit record available. 

None used. 

It reads on the back of letter some thing is not right and or accurate. 

For a free copy of your credit bureau report contact : It's blank no credit bureau is listed or printed. Something is not right.
Complaint sub-issue: Company closed your account

I am contacting you as Fidelity credit card has cancelled my account. Their decision was based on a theft that occurred. I had packages delivered to my front door which were stolen. I have a police report to prove that this occurred. Elan Financial has made several errors to my account plus made errors making payments for overpayments to me. 
The decision to close the account was based on the theft which occurred. ( I have a police report for this and the company has hurt me due to theft done against me ) I am having issues with the credit card company as they are now not treating me fairly and now being faced with several issues that they are not being fair. 

I'm going to be negatively impacted due to their closing of the account. I am upset as this will impact my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I have been trying to work with Pennsylvania Higher Education Assistance Agency to review qualifying payments that they are not counting toward PSLF. They have said that they are under review for over a year, with no resolution. I have made every payment since the disbursement of the Direct Loan in XX/XX/XXXX. However, they are currently excluding 18 payments for which I have not received credit toward PSLF for the following month/years. XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX. I made payments dating back to XXXX while being employed with a qualifying employer, but was not informed that I was under the wrong type of loan until XX/XX/XXXX at which point they were consolidated into a direct loan. I have been employed with qualifying employers since XX/XX/XXXX. I am escalating this because I am approaching 120 payments that have been counted and if the 18 payments are included, I would qualify for forgiveness in XX/XX/XXXX. It is reprehensible the way individuals who have dedicated themselves to public service have been misled, misrepresented and generally treated by PHEAA. I am beyond pleased that they are terminating their contract. I only hope that another equally dishonest and incompetent servicer does not replace them. Thank you and I hope you are able to help me and the thousands of borrowers that have held up their side of the agreement, but have been taken advantage of by PHEEA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since XX/XX/2021, I have been sending letters to XXXX and Equifax in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( XXXX and Equifax ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with XXXX and Equifax for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX letter to XXXX for inquiry XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX again for XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX a third time and No removal. 

XXXX letter to Equifax for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to Equifax again for inquiry XXXX XX/XX/2021. no removal XXXX letter to Equifax and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from XXXX or Equifax comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.
Complaint sub-issue: Information belongs to someone else

My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX  district of Ohio.

I sent a letter to the XXXX XXXX court in XXXX   Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. The courts sent me a let
ter back stating they do not report and DID NOT report this information to the credit bureaus. 

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
Complaint sub-issue: Threatened to sue on too old debt

XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 5 different unauthorized credit pulls. 
1- XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3- XXXX XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
4- XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
5- Equifax mortgage See. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history Equifax shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Complaint sub-issue: Old information reappears or never goes away

I have a bankruptcy that is over 10 years old and every time I dispute it with equifax they deny it, saying the information is correct. Im fighting it should be removed because of the age. Anything over 10 years old should not be showing up on my credit report
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 Bureau the 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 FairCredit Reporting 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX