Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXXXXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}
Complaint sub-issue: Report provided to employer without your written authorization

Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction
Complaint sub-issue: Their investigation did not fix an error on your report

I have a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax XXXX and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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, and XXXX XXXX  Plus there are about 100 soft inquries
Complaint sub-issue: Investigation took more than 30 days

CFPB REPORT XXXX Why did the CFPB closed my complaint? Why is the CFPB continuing to allow Equifax to get away with 'INVESTIGATING '' their wrong doings? This is the 5th investigation with Equifax and they keep " updating '' the matter. EQUIFAX is reporting INACCURATE and INCOMPLETE information on my credit report which has caused me to lose my JOB. 

It is the LAW this company must report accurate and complete information at all times and I don't think the CFPB is doing anything to enforce. 

These accounts listed from CFPB REPORT XXXX that you the CFPB closed, are ignoring the fact EQUIFAX can not prove to me why they have a right to report INACCURATE and INCOMPLETE information from these companies below. IT DOES NOT TAKE 5 MONTHS to investigate NO ACCOUNT NUMBERS. This is an EQUIFAX issue not an issue from these banks. You are NOT reporting an account number for me to even investigate. 

XXXX  XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account )
Complaint sub-issue: Received bad information about your loan

I made a a payment agreement with zutafi loan company. Formally known as SLFC and several different names. They continue to harass my XXXX and XXXX father. They also continue to assault my credit report every month, even with payment being made on-time. I get very little information of my progress. And the loan is almost XXXX years old. They have very deceptive practices. And did not notify me that my loan my be going into default. Of course until it did. Also, the company was constantly changing it's name and address. So I had no idea of whether I was being scammed or not.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These Credit Inquiries Are Unauthorized And Need To Be Removed From My Credit Report Immediately.
Complaint sub-issue: Information is missing that should be on the report

My XXXX XXXX credit card XXXX XXXXXXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.
Complaint sub-issue: Need information about your loan balance or loan terms

I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the  aforementioned permissible XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

I completed 120 payments to fulfill my Public Service Loan Forgiveness Program this year. I received a letter on XX/XX/XXXX from XXXX XXXX that was consistent with previous letters and indicated that I had 2 remaining payments and that I would complete my 120th payment in XXXX. I then received another letter on XX/XX/XXXX, now indicating that I had 4 payments remaining and that my final payment would be in XXXX. I immediately called to dispute this as I noticed I was now being credited two payments less from XX/XX/XXXX through XX/XX/XXXX. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I did call however ask for a review. Then on XX/XX/XXXX, I received a letter indicating that I still owed 4 payments and now their was 1 more payment from XX/XX/XXXX to XX/XX/XXXX, but one less from XX/XX/XXXX to XX/XX/XXXX than the previous letter. I called again questioning further discrepancies and wanted an explanation. After a lot of rudeness and talking over me, a representative indicated that two of the payments weren't credited. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I asked for another review. After speaking with this rude rep, my problem got worse. I received a letter on XXXX now indicating that I owed an additional 34 payments and that I would not be done until XX/XX/XXXX. I went from 2 to 34 payments remaining in 2 months. I submitted my request for loan forgiveness and requested forbearance to give them time to review and correct so that I wouldn't have to keep paying in XXXX. I was denied quickly on XX/XX/XXXX. I was frustrated and upset and I spoke with XXXX on XX/XX/XXXX. She indicated that she was requesting a manual review and that it would take 60 days. She said I should follow up in XXXX. After not hearing anything I contacted XXXX on XXXX. He said he saw that problem was that my account was placed in Pre Pay Status. He said he entered a request to remove it would expedite a request to have a manual review. Again, this would take 30-60 days. After not hearing any news and receiving notice that my forbearance was over and payments would continue, I contacted XXXX on XX/XX/XXXX to follow up on the status. He said he would again request a manual review and that the Department of Treasury has to review the payments. He would not provide me a timeframe. Please assist me as my account has been severely mismanaged and I have not received good customer service and follow through from the loan servicing company.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Public record information inaccurate

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX  and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good Day! I am writing to you guys due to some collection accounts that I never opened that are reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Concerning Home Depot credit card managed by Citibank. 

In XX/XX/XXXX we purchased a fence with 24 month free finance in the amount of {$5000.00}. This amount is due in full by XX/XX/XXXX to avoid any interest charges. 

In XXXX of XXXX, we purchased a tractor with 24 month free finance in the amount of XXXX. This amount is due in full by XX/XX/XXXX to avoid any interest charges. 

There have been NO other charges made on this card since then. 

The credit card company put the purchase for the tractor XXXX {$2000.00} ) on a 6 month promotion rather than a 24 month promotion. We contacted the store and Citibank, they apologized and said they would fix the error and reallocate payments already made to be put toward the promotion due in XX/XX/XXXX first. 

On XX/XX/XXXX we received a letter from Citi bank stating they would honor the {$2000.00} for the tractor purchase to be moved to a 24 month finance promotion and the due date to avoid interest would me XX/XX/XXXX. 

Unfortunately, they only moved {$330.00} to the promotion and moved the balance to a revolving account where we incurred interest charges every month. 

We called every month and were told it would take up to 2-3 billing cycles to correct. As XX/XX/XXXX began, I began calling every week. Every week I was told it was being handled. Then I was told it was handled and that is how the charges stand. I asked for proof of purchase of the money that was being held on a revolving account that appeared between my XX/XX/XXXX and XX/XX/XXXX account. Citibank was unable to do so and realized their error, and once again promised it would be resolved. 

In addition to items being resolved to fall under to correct promotional balance, Citibank assured us they would applied past payments correctly to pay off the promotional balance due in XX/XX/XXXX first. 

XX/XX/XXXX statement came we owe a total of {$1600.00} on our card. They still have not fully credited us on interest charges we have incurred due to their mishandling of the account. 

They moved the revolving balance to the balance due in XX/XX/XXXX, then pushed it out one month making the due date for XX/XX/XXXX. When what should have been done was move the revolving balance to XX/XX/XXXX and reapplied any payments to the promotional balance due first. 

As we stand our account reads we owe, {$1600.00}. 

{$1200.00} for the fence due XX/XX/XXXX ( originally due XX/XX/XXXX ) {$330.00} for the tractor due XX/XX/XXXX {$13.00} for interest charges applied on the revolving account which citibank created.

Our account should read {$1600.00} for the tractor due XXXX of XXXX.

Less any additional interest chages that have not yet been credited.

We have NEVER missed a payment. I have spent well over 120 hours of my time disputing this and working with numerous departments who all agree there is a mistake on Citibanks end and assure me it will be taken care of, and yet 10 months later I am still in this predicament.
Complaint sub-issue: Account status incorrect

An acct has been paid in full and still shows open. Filled a dispute and came back {$100.00} difference so it shows something changed. On my line of credit it shows last update XX/XX/2021 So my debt to ratio is off. Disputed it and came back as same. 
Someone needs to sue XXXX, equfax they dont answer phone calls or I like this one send you paperwork to verify its you so it jams everything up. Need to get that fixed so its not a crutch for them. Well XXXX yeah its me my score is so low nobody would steal my information. Just purchased a car at way high interest because of so many problems that should be fixed. XXXX more over the life of loan. Enough is enough CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Deposits and withdrawals

Good afternoon. I am a XXXX XXXX XXXX XXXX XXXX  with a checking account through PNC bank. I am in my XXXX XXXX XXXX XXXX and working hard to achieve success. Im often studying or in class. I worked almost everyday this past summer to make over {$2000.00}. I have NEVER disputed any charge in the past nor have I ever been the victim of fraud. Additionally, Ive never lost my card or misplaced it and it is always with me. Additionally I have never shared my account info or log in info with anyone. I realized in XXXX that my account had been hacked and numerous fraudulent charges had been made. The majority of the charges were fraudulent. I contacted my bank immediately. I disputed every charge that was fraudulent and then later even went to the PNC branch on XXXX. I returned home today for the holiday break and received numerous notifications from PNC that my disputed transactions were denied and not returned. The PNC website currently notes that theres been an increase in fraud, however, they are unwilling to return my money. PNC targets XXXX XXXX and advertises how secure they are. 
Their lack of quick response and unwillingness to return my money is unacceptable. Many people have to work hard to make a little money and should not be taken advantage of by a large bank. As a result of their unwillingness to refund my money, I have lost approximately {$1000.00}. 
I appreciate any guidance you may provide. 

XXXX XXXX
Complaint sub-issue: Debt is not yours

I received 22 phone calls in one hour from this debt collector. I told them it wasn't mine. they were insistent that it was. I don't need to have a debt collector calling me 22 times an hour for something that is not mine.

I have attached proof of calls.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and they are adversely affecting my livelihood. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't temporarily delay making payments

This number keeps calling me about my prequalified status to change the qualifications for forgiveness or loan discharge. I have not made consistent payments for the last XXXX years so I do believe this is a scam. 

XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX XXXX, left message for me to return call at XXXX XX/XX/XXXX XXXX AM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights . 

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

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.