Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I told XXXX XXXX XXXX XXXX in XX/XX/XXXX that family members were abusing my social security number. XXXX XXXX XXXX confirmed this XX/XX/XXXX stating the family members are using a power of attorney without my knowledge /permission. Also XXXX XXXX XXXX transferred my loan in XX/XX/XXXX to XXXX. XXXX federal identification number was used, XXXX XXXX address in Texas was typed in. This was reported to IRS. IRS sent me a letter XX/XX/XXXX stating I am a victim of embezzlement. I was told there is property in Texas using my social security number. I sent you another identity theft affidavit certified, since you say you did n't receive the first one I mailed. In XX/XX/XXXXXXXX XXXX reported my loan to IRS in XXXX. Suddenly my loan is in Texas and the mortgages was being paid using The Tennessee Department of Labor funds, that was being directly deposited into my account and offset by XXXX XXXX XXXX allowed that did n't come to XXXX XXXX XXXX XXXX. My XXXX credit report reflects those payments in XX/XX/XXXXwhen I filed bankruptcy. The date of the loan was changed by family members to XX/XX/XXXX. If you need a copy please feel free to let me know via mail. I told you the family prepared my XXXX in XX/XX/XXXX after I was given an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the doctors office. In XX/XX/XXXX I filed a medical malpractice law sue. The attorney asked for XXXX dollars. In XX/XX/XXXX I received a settlement. Attorney XXXX XXXX XXXX filed the malpractice law sue as workman 's compensation and made my medical records public. I was laid off from XXXX XXXX XXXX of XX/XX/XXXX, a few days before you stated I was suppose to be notified of the transfer of the loan. As I 've stated I was under wage earner when this occurred. I was making payments to XXXX XXXX applied my payments. And reported to Transition credit on XX/XX/XXXX. XXXX XXXX was served a subpoena on XX/XX/XXXX to release me employee records and medical records to the courts. The company refused to do so. The case number is XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX. I 've reported this theft to the Tennessee Department of labor. XXXX XXXX XXXX did n't report my date to them. The family changed the date to get extensions using my social security number and account number to steal government funds. XXXX XXXX XXXX allowed this corruption. The family is involved in organized crime. These are very dangerous people, I stopped associating with them when I was much younger. I knew what they were capable of. No-one wants to listen to me. I never had an account to make payments to you using six digits in a wire check. You may want to to take me just a little more serious.
Complaint sub-issue: Need information about your loan balance or loan terms

I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same public state higher education institution as XXXX XXXX for over 5 years ) and been rejected several times. Each time, the reasons are the manner in which the form has been submitted by either me or my employer. Each time I have called and my employer have called and we have made the adjustments as instructed. Each time I have been rejected. The last payments that were certified were from XX/XX/XXXX. Since that time I have submitted Employment Certification and received letters rejecting my certification claims on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In that time my certified qualifying payments toward my PSLF has remained at 49 of 120 qualifying payments and 50 of 120 qualifying payments. The Fed Loan Servicing PSLF calculator lists 27 payments as " employment not certified '' when they should be added to my total qualifying payments since my employment is qualified for PSLF and we have made multiple attempts to qualify my employment ( see previous dates ). 

This is not the first time I have had to make a complaint against Fed Loan Servicing for this same issue. The last time my employment was certified it was the result of a similar complaint I have lodged with the CFPB. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the Fed Loan Servicing working on behalf of the Dept of Education is inadequate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been disputing my derogatory accounts with Equifax and they haven't provided a single thing for me. I recently called Equifax to get an update and make sure my disputes were going through and taken care of. Equifax informed me that they had not received a single dispute. I have sent multiple disputes so I'm confused as to how none of them made it through? There are erroneous items on my credit report that must be fixed.
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted for proper validation of debt from XXXX XXXX XXXX and this is a final attempt through here. 
Account # : Unknown Amount : {$890.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with XXXX XXXX XXXX and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 
Thank you.
Complaint sub-issue: Debt was paid

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Account information incorrect

I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
Complaint sub-issue: Didn't receive enough information to verify debt

Please review all attached documentation. Carvana never responded to my validation request, and they have violated me as a federally protected consumer. They never notified me of my right to dispute pursuant to 15 USC 1692g, and they never disclosed that this was an attempt to collect a debt pursuant to 15 USC 1692.e ( 11 )
Complaint sub-issue: Their investigation did not fix an error on your report

I went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Debt is not yours

IC System Inc. at XXXX XXXX XXXX XXXX XXXX, MN XXXX has sent me a collection notice in the amount of {$2200.00}. This company is claiming a debt that I was never notified of and was paid in full by my insurance company. I am not familiar with IC Systems Inc. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.
Complaint sub-issue: Information is not mine

I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX CRE ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT UNKNOWN ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALONG WITH THESE INQUIRIES : ACCOUNT NAME : XXXX CARD DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2015
Complaint sub-issue: Information belongs to someone else

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security XXXX, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last XXXX and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Complaint sub-issue: Debt is not yours

I have, on several occasions, attempted to contact Equifax in regards to a debt in the amount of XXXX they claim that I owe. I have sent 3 letters to date with absolutely no response from them. At this point I want the debt removed without question because the refuse to send original documentation with any original signatures that validate the debt.
Complaint sub-issue: Debt is not yours

I sent a letter to XXXX XXXX. Requesting that they VALIDATE not Verify a debt that they are attempting to collect from me. I specifically asked for a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been VALIDATED by me. They provided me with a billing statement which does not prove that I am obligated to pay them anything. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no known relationship with XXXX XXXX. I am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
Complaint sub-issue: Account status incorrect

so there is a closed complaint XXXX that is on my file so the updates that made me submit new complaint, that im attaching three pictures where you can see citi bank posted my credit score equal to XXXX on their web site and discover credit card posted my credit score to XXXX on their web site where credit karma showed my credit score went down 4 point on XXXX data and XXXX went down five scores which mean what citi bank said they post something on their website and post contradiction to it to the creditors so please look at the attached screen shots and if i ignore this ugly practice, they will keep going. 
its like my credit score is getting lower for the creditors while two of my credit cards showing way higher and improvement on their website, because they post something on their website and to they post the opposite to the creditors something as long balance and complaints beliving the creditors will take what they report not what cfpb direct them to post. 
so yes Citibank and discover behind this mess especially the Citibank that directly told me that creditors take what they say not what cfpb dispute, yet XXXX XXXX post on their site credit karma scores so its like my credit score is low because of such game and the leader is citi bank
Complaint sub-issue: Unable to open an account

XX/XX/2014 the amount of XXXX is reported to XXXX and has a social security number that doesnt belong to me and an address Ive never lived at.
Complaint sub-issue: Didn't receive enough information to verify debt

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below.

AFNI acco
unt number XXXX This item is inaccurate and I am requesting that ANFI have the item removed my credit report immediately. 

Thank You
Complaint sub-issue: Problem with fees charged

I have been working to transfer my registration from XXXX XXXX to XXXX since XXXX of 2021. US Bank is my leasing company, they will not release the title to my insurance agency. My registration expires tomorrow leaving me without a car to get to work with. My insurance agency has made numerous requests for the title that have been disregarded, while US Bank only claims to have one request from XXXX, which they still have not acted on. I have called US Bank a total of 31 times, and have received misleading information about how to transfer my registration to Massachusetts. Spent 45 hours on the phone with them trying to work this out, and taken two days off from work to go to the RMV to try to get it resolved. I was told by an agent to send my updated name change documentation ( marriage license + social security card ) to XXXX, confirmed update 2x, and then was told by another agent that my name change did not go through and that no documents can be sent for name change via email, so my identity may have been compromised by an agent. Also being charged illegally for Mass tax on an exempt vehicle according to RMV ( open case with US Bank # XXXX ). US Bank will not share a timeline for the title to be released and continues to tell me that it is within my lease contract for them to refuse to release the title and force me to pay for a car I can not use. My case was " escalated '' last week and I was told someone would reach out to me about it but called yesterday and found out it was not escalated after 50 min of waiting, they then stated to call back today as it should be resolved. Today was told the company was 24 days behind, even though my request is significantly over 24 days old and told I would need to be " more patient '' while I potentially lose my job with no resolution in sight. Have requested multiple times to be followed up with and have never been. Formal complaint with US Bank ( # XXXX ) for overall experience.
Complaint sub-issue: Unable to open an account

XX/XX/2018 ( Monday ) Complaint against PNC bank FTC Identity Theft Report Number : XXXX On XX/XX/2018 I brought promotional offer that I received from PNC bank to open brand new consumer checking account. I have verified with this branch located at XXXX XXXX XXXX XXXX Washington DC XXXX for promotional offer before I open new accounts. A staff at front desk told me that I can receive both {$300.00} personal checking acct bonus and {$200.00} business checking acct bonus. Then he asked a sales associate named XXXX XXXX to assist me. XXXX XXXX has asked all my personal information such as name, residential address, social security number, driver 's license number, phone number, email address, PIN number. I showed two proof of ID per his request. However after he obtained all my personal identity especially social security number and driver 's license number, residential address etc. Then he told me he was unable to open new personal account. I questioned him why. But he can not tell me the reason. For the same information I provided, I can open checking account with other banks in the past. At this time, since he can not open new account and I am NOT PNC bank 's customer, I asked him to completely delete my personal identity from XXXX bank 's system in order to protect my identity. Under my 3-4 times asking including to call his branch manager, he still refuse to delete my identity and information. I was extremely upset by telling the staff at front desk to purge my personal information plus pay my damages. I have filed a FTC identity theft report with reference number XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I have sent US Bank documentation showing my debit was paid off and they are still showing my account as open and owing money!
Complaint sub-issue: Problem with rewards from credit card

I have an Exxon Mobil " Smart Card '' credit card that gives a XXXX " Loyalty Reward '' rebate for every gallon purchased. I believe it is administered by Citibank.
For each purchase, the statement shows 1 ) address of gas station, 2 ) gallons and type of gas purchased, 3 ) a Reference number, 4 ) invoice number and 5 ) Amount paid.
The " Loyalty Reward '' sums up the total gallons purchased during the billing period and rebates XXXX per gallon ; and applies it to the amount due. But there are many instances where the " gallons and type of gas purchased '' is not stated. Instead it states " Miscellaneous. '' So the gallons purchased under " Miscellaneous '' is not used to calculate the Loyalty Reward rebate. I checked previous statements and it happens even 4-5 years ago. In a XX/XX/XXXX and XX/XX/XXXX purchase stated as " Miscellaneous '' I should have received an additional {$2.00} in rebate.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX  XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX   XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XX/XX/XXXX, ( 6 ) XXXX, XX/XX/XXXX,XX/XX/XXXX, ( 7 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, ( 8 ) XXXX XXXX XXXX  , XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX