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

In XX/XX/XXXXI was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Complaint sub-issue: Account status

I am not a 100 % sure. But if credit can only be reported for XXXX years, then time is up on this account it 's been XXXX years.
Complaint sub-issue: Attempted to collect wrong amount

According to 15 USC 1692a ( 3 ) and a ( 4 ), I am the consumer and the Original Creditor. FEDLOAN SERVICES is aware that they are in violation of the Federal Debt Collection Practices Act. Consumer has sent several letters in a desire to settle this matter privately with FEDLOAN SERVICES. FEDLOAN SERVICES are failed to provide any valid proof ( under pains of penalty of perjury ) that Consumer owes the alleged debt. FEDLOAN SERVICES have violated the rights of the consumer by : 1. Requesting a fee that is allegedly owed from the Original Creditor and acting as if they are creditor. FEDLOAN SERVICING has produced no contract proving that the consumer is indebted. Furthermore, pursuant to Truth in Lending Act, consumer is only responsible for finance charge, and that charge called a loan fee by U.S. Department of Education was subtracted upon disbursement and is in violation of 15 USC 1692 f ( 1 ) 2. FEDLOAN SERVICING failed to respond to the request of debt validation, failed to provide name and address of original creditor ( as defined by Federal Law ) to confirm debt, a violation of 15 USC 1692g ( 4 ) and g ( 5 ). ( See exhibit 1 ) 3. FEDLOAN SERVICING is reporting to the consumers credit profile without express written permission to report any information violating 15 USC 1692c ( b ) ( See exhibit 2 ) 4. FEDLOAN SERVICING is furnishing false and misleading forms indicating that the consumer is a borrower and not the creditor. Definition of borrow does not exist in 15 USC 1692a and is a false and misleading term which is violating 15 USC 1692 j ( a ). ( see exhibit 3 ) 5. FEDLOAN SERVICING did not disclose that the name FEDLOAN SERVICING is a DBA, and its true company name is XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1692e ( 14 ) ( see exhibit 4 ) 6. FEDLOAN SERVICING failed to provide the consumer upon his request for a true bill of all accounting on alleged debt as required by 15 USC 1666 ( reference exhibit 1 ) 7. FEDLOAN SERVICING failed to provide a three ( 3 ) day right of rescission to the consumer/original creditor pursuant to the Truth and Lending Act and 15 USC 1635a 8. FEDLOAN SERVICING utilized a form to give perception that they are affiliated, linked, or bonded with the U.S Department of Education violating 15 USC 1692 e ( 1 ) and e ( 10 ). ( see exhibit 5 and reference exhibit 3 ) 9. FEDLOAN SERVICING represents the alleged debt in positive figures, which cant be a debt and is false and misleading violating 15 USC 1692 e ( 2 ) ( a ) ( see exhibit 6 ) 10. FEDLOAN SERVICING was contacted with a termination/rescission letter for failure to respond and not providing full disclosure dated XX/XX/XXXX ( see exhibit 7 ) 11. FEDLOAN validates receipt of letter dated XX/XX/XXXX however did not comply with returning original security instrument or funds obtained from security instrument violating 15 USC 1635 b. ( reference exhibit 5 ).
Complaint sub-issue: Personal information incorrect

I ordered a copy of my credit report and notice that incorrect information is being reported on my credit report. I contact the credit bureau and they refused to remove invalid addresses as I am afraid of identity theft. They informed me that I needed to submit a copy of a piece of mail along with identification and social security card and was told to fax the information but the fax number that I was given was not working. So I tried calling back to get my information updated and was told to send in the requested information so they did not fix the situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I received correspondence from a Macy 's Account Executive by the name of XXXX XXXX, who informed me that my social security number, my license, and my mailing address had been submitted to Macy 's for an application, along with a signature, therefore they do not believe the account was opened fraudulently. I called him at the number listed in the letter, and left a voicemail stating that my ex would have easily had access to ALL of those items and more, given that we were together for years. He has not bothered to call me back. He also flat out lied, claiming that the Macy 's rep did not assure me that paying off my ex 's debt would be the path of least resistance to both getting the negative remark removed from my account, as well as closing the account in full ( neither of which happened ). That phone call DID happen, but Macy 's did not close the account. Macy 's opted to lie further about what was promised initially. And Macy 's refuses to listen to me when I tell them I did not sign anything, I did not authorize my ID being used to open this account, and I did not give my social. Again, my ex had access to all of this. In fact, my signature is even saved virtually on my computer in XXXX XXXX XXXX XXXX. Everything was in his reach. The address they provided belonged to my ex. I am in XXXX California, the address given is in Hawaii. I don't understand why they are refusing to acknowledge that I did not apply for this account myself. I want the negative remarks removed. And I want the account FINALLY CLOSED or have myself removed FROM it. I have a sneaking suspicion that they can't close it without my ex 's permission, which is indicative of the fact the he is the primary account holder or he needed to use my information to open the account because he would not have been approved on his own. I was not even aware that my information was being used until I received a credit alert. I don't check my credit report unless I am notified of issues, which I was.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX a letter challenging the accuracy, compliance and reportabilty of a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature I requested the information be immediately deleted i have yet to receive any documentation bearing my signature and they continue to report this on my credit report without any evidence
Complaint sub-issue: Public record information inaccurate

There are two loan accounts reflecting on my credit report from XXXX XXXX XXXX OF, one in the amount of XXXX and the other {$6000.00}. These accounts are showing as a collection, however based on the Statute of limitations by California law these accounts are not allowed to reflect in my credit history after four years. These accounts were closed XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX  XXXX ACCT XXXX, Ive never had an account or visited XXXX  XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my account
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX CARD XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Confusing or misleading advertising about the credit card

The credit card operator ( Citibank ) offered a planned payment for purchases on the credit card at a reduced APR, offer that is available until XX/XX/2020. I have read all the exclusions and based on that I paid services rendered to me on the value of {$3300.00} which I fully intended in break down in 16 payments based on their proposal. Once the payment posted and I tried to use the promo, I found that my transaction wasn't eligible and I called customer service, which were not able to give a reason why the charge was ineligible. I told them that it was eligible according to the site and they said it could be due to low limit available or changes in credit worthiness. I explained then that the purchase was using only around 30 % of my available limit and that recently my credit score has been better than ever before being around high XXXX end sometimes XXXX. At this point they said they other criteria that could apply but couldn't tell me what. I then asked if this was a lottery and the manager actually answered that it could be considered like that. Amazed I told them that if I knew that I would never have user their card to pay for this transaction before hand and that this information wasn't promptly available on their site to which she offered to send some documentation which I recused since I think this information should be available on the site where I consulted before taking this decision, not as an after thought.
Complaint sub-issue: Company closed your account

Ive had this account since XX/XX/2018 with a flawless payment history. Recently I had unauthorized access to my account which submitted 2 or 3 payments that were returned it did not affect my regular payment which I still made as planned. My credit card company Home Depot by way of Citibank arbitrarily closed my account without contacting me. I would have preferred to be contacted and my account not been arbitrarily closed. Thx!
Complaint sub-issue: Fees charged for closing account

Hi, I am writing in regards to the Citi ( R ) Accelerate Savings that I opened this summer. I ultimately decided to close the account with the help of an agent over the phone about a month after opening the account. This was back in XXXX / XXXX Once my account was closed, I was no longer able to sign into Citi using my login credentials. Today, I received an email saying that my savings account was overdrawn- {$3.00}. As my account is closed, I am not able to log into the Citi portal to view my balance or retrieve the account number. I've also destroyed the debit card that Citi sent me when my account was closed as the Savings account was the only product I had with Citi. I called the Citi support number, I was repeatedly asked to provide an account number which I do not have as this is not information that is contained in emails from Citi and again, I can not log in. I have called twice and received no help from the agents over the phone as I was told repeatedly I need to provide a debit card or account number. The account has been closed since XXXX and I am now being charged monthly account fees out of the blue of {$4.00} for an account I don't use and closed with a Citi agent over the phone to ensure it is closed correctly.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last 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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute.

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.
Complaint sub-issue: Reporting company used your report improperly

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Complaint sub-issue: Information belongs to someone else

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Hello, I have been paying back my loans as required. Recently I received a bonus from my employment and tried to do the responsible thing here and put it towards my loans. I went into the system and paid off one of my loans entirely. Afterward I went back in to find that the amount I paid which listed the full amount I paid {$5100.00} did not satisfy the amount. In looking back at the records it details/verifies that the amount I paid was in fact the full balance ( Principal {$4900.00} and Interest {$280.00} ). However, they are coming up with an additional {$280.00} that I owe. It's pretty clear they essentially didn't zero out the interest amount when I paid. However, when I called them to rectify they claimed this was a hidden amount not reflected in the numbers they had generated in the system for me to view. The service representative I spoke to then proceeded to tell me if they make an error or find later on that I should pay more money they are allowed to do so. That would breach elements of the program and basic contract law. 

The loan servicer is : PHEAA ( XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX 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 XXXXXXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXXXXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding XXXX misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.
Complaint sub-issue: Debt was paid

After our contract expired, we ended our services with Direct TV. They closed our account and sent us a refund check for services paid in advance..A while after they continued to contact us with a payment expected. How can they determine that we owe them money when they sent us a refund check after closing the account? Please help us with this frustrating issue. Thank you.
Complaint sub-issue: Old information reappears or never goes away

Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.
Complaint sub-issue: Debt is not yours

There is an inaccurate collection from mrsbpollc, originally XXXX XXXX, for {$710.00} showing up on my XXXX XXXX. 
When I pulled my credit file, the debt isnt showing on it, giving me no account number to reference for a dispute with XXXX. 
Ive never had an account through XXXX XXXX and it needs to be removed immediately.
Complaint sub-issue: Debt was result of identity theft

XXXX - saw that I was a victim of identity left because my credit score was dropped by XXXX points. Saw that the company was a utilities company in TX by the name of XXXX XXXX. Called them and disputed due the charge and let them know the situation. Then called the collections agency and alerted 3 credit companies. 
I have not filed a police report, but plan to do so today XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I received an email stating that I had a payment due on a loan from a company name XXXX, phone number ( XXXX ) -XXXX-XXXX. I did not apply for a loan, saw no Credit Bureau inquiries, no loan is appearing on my Credit Bureau and did not receive any unexpected deposits to any account. I immediately responded to the email notifying the company that I did not apply for the loan and that it was fraud. On XX/XX/XXXX they acknowledged my reply and told me to fill out a Police report and forward it to them. On XX/XX/XXXX I responded that since I have no knowledge of the company, the alleged loan or any other details other than an email requesting payment, I would not be submitting a police report. For all I know the email was a fraud attempt. They have stopped responding via email but are calling me requesting payment. I called and spoke to an associate today XXXX and was again told to fill out a police report. I again told them I don't have any information to put into a police report. They stated the police report was required to proceed. I informed them that I would expect them to file a report since they are the victim who suffered a loss. I offered to sign a document stating I did not apply for a loan. They did not accept that offer and I asked them to stop calling me.
Complaint sub-issue: Can't qualify for a loan

In 2006 my XXXX daughter took out student loans and put me in as a consigner without my KNOWLEDGE, AUTHORIZATION or SIGNATURE. She LEFT home since she was XXXX years old and lived with a family member in a different state at that time. I have since asked for proof of my acknowledgedment of cosigning. Such as an email, phone call or a letter asking for my approval. I was told they used electronic signature and they do n't need my authorization. How can they do this? Now they want payment from me. This girl is a professional and has a job, why are they after me?