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

XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. XXXX XXXX XXXX, XXXX, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original Creditor XXXX XXXX Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX  XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX  XXXX XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. Equifax Credit Reporting Bureau upheld the collection account and stated they investigated and XXXX XXXX provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to XXXX XXXX XXXX by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to Equifax.
Complaint sub-issue: Deposits and withdrawals

My son 's PNC Bank account was fraudulently hacked by some one depositing a check in his account and withdrawing the money before PNC realized the check did not clear. Because my son is a college student and does not work so no money is deposited into his account on a regular basis, PNC withdrew the monies owed by this fraudulent check from my account causing my account to not be able to pay my rent fur to the bank taking my money. Heedless to say. this has caused me all sorts of financial hardships.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Complaint sub-issue: Reporting company used your report improperly

Equifax did not implement Cyber Security Standards to protecting PII information resulting in the information being vulnerable to outside malicious attackers. This vulnerability was taken advantage of resulted in my sensitive information being compromised including but not limited to Social Security number, current and previous addresses and credit history. Equifax has not clarified the solution for this breach to the consumer community or highlighted next steps on how consumers can protect themselves aside for 1 year or free credit monitoring with the caveat in regards to their arbitration clause. 1 year of credit monitoring does not come close to mitigating or managing the damage that has been caused because of this.
Complaint sub-issue: Information belongs to someone else

I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Complaint sub-issue: Account status incorrect

I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.
Complaint sub-issue: Information belongs to someone else

I have two accounts on my credit report that should not be on there, I am been working on these two accounts for months and Equifax has not investigated them or send me any information on these two accounts that they are reporting. Neither of these accounts even include the name of the third party creditors.
Complaint sub-issue: Information belongs to someone else

My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.
Complaint sub-issue: Information is missing that should be on the report

As of XX/XX/22, equifax has removed an account from my file without my permission or given notice. My XXXX XXXX XXXX  loan was removed without notificafion or permission and this account is still open. Because this account was removed, my credit score has dropped as a result.
Complaint sub-issue: Problem making or receiving payments

Using the US Bank mobile app, we set up a payment for our car loan ( {$510.00} ) to be taken out on XX/XX/XXXX. Unfortunately, the transaction has been withdrawn again, without authorization on XX/XX/XXXX. When my husband called to ask for the funds to be reversed, they said it was too late ( XXXX XXXX ) and that we would need to be credited back from the other ( car ) company. He was told that this could take anywhere from 10 to 14 business days. Extremely poor timing, as we have had an accepted offer for our first home and have made a mortgage agreement with US Bank. As the customer, its disheartening to 1 ) fix US Banks mistake, 2 ) not be given an explanation as to why this happened and 3 ) to wait for the amount to return to our savings in 10-14 days.
Complaint sub-issue: Account information incorrect

Equifax Credit Report XXXX XXXX account XXXX XXXX  Original Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX status : unpaid balance : {$170.00} This inaccurate collection. Please have removed from my credit account immediately based on the Fair Credit Act of XXXX, both the original agency and credit management are in violation of my rights. I was not contacted and given the opportunity to cure and also this debt is paid in full. Please completely remove this debt from my credit report. I do not consent to this being listed on my report. 


I do not authorize inquiries to be pubic on my credit report. Please remove 2 inquiries listed XXXX and XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.
Complaint sub-issue: Information belongs to someone else

Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.
Complaint sub-issue: Information belongs to someone else

I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. 

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: Problem with personal statement of dispute

I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN I ALWAYS LIVE IN XXXX GA AND I RAN MY CREDIT TO APPLY FOR A HOUSE I SEE WHERE EQUIFAX IS THE ONLY REPORTING I PURCHASE A VEHICLE WITH XXXX XXXX. I NEVER BOUGHT A CAR UNDER MY SSN I USE MY BUSINESS EIN TO PURCHASE THE CAR IM AM DRIVING I DISPUTED THE MATTER BEFORE WITH EQUIFAX I WAS TOLD BY XXXX XXXX TO TAKE THE ISSUE I HAVE AND DISPUTE WITH EQUIFAX SOMEONE USE MY NAME. MY IDENITY WAS STOLEN AND IM STUCK I NEED HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under XXXX insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and Equifax are claiming that the debt is valid and correctly reported.
Complaint sub-issue: Problem with customer service

The organization, sent a mass email to multiple loan holders disclosing private information regarding the status of loans. The sender was XXXX XXXX from Firstmark Services. After a few of us responded that this communication was a violation, she attempted to recall the email with no success. Proof of this email, the responses of the recipients, the lack of response from the company can be provided.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights 15 USC 1681 Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX  # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Complaint sub-issue: Received bad information about your loan

I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. 

XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days,  then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.
Complaint sub-issue: Didn't receive services that were advertised

Like everyone else, I have no idea whether my personal information was compromised by the Equifax hack. I attempted to sign up for the company 's TrustedID Premier service that it is offering to people whose information may have been compromised. I filled out the form on the website, but did not receive a confirmation email until 3 days later. I was instructed to click a link to confirm my registration, did so, and then was told I had " already registered '' and should log in with my existing username and password. I do n't have an existing username and password, sparking fears that my information has already been hijacked or used by hackers. I then requested to reset my password and was sent a password reset link. I clicked that link and the site failed to load. It eventually loaded after several tries, then froze when I attempted to actually reset the password.
In short, I have no idea whether I have been enrolled in the monitoring service and apparently the company is completely unable to handle its own disaster.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I mailed you a letter disputing XXXX accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Fee problem

On XX/XX/19, PNC Bank incorrectly charged my checking account {$100.00} in overdraft fees ( 3 fees of {$36.00} each ). The fees forced my account into a negative balance of {$100.00}. Absent these fees, my account had a positive balance of {$7.00}. I work 2 jobs to cover my expenses and do not have excess funds to give the bank for excessive fees. Therefore, I have not deposited any additional funds into my PNC checking account. 
I called PNC customer service on XX/XX/19 to ask if PNC would reverse the fees. The representative said he could not. He stated that the ( cash ) deposit I made on XXXX on XXXX was pending. I pointed out that the items for which I was charged overdraft fees were pending as well ( {$38.00}, {$1.00} and {$12.00} ). I then asked to speak to a supervisor. After being on hold for about 10 minutes, I was told there was no supervisor available but one would call me within 24-48 hours. I never received a call. 
As a result of the situation created by the bank, automated debits since XX/XX/19 have been returned, resulting in 10 fees, for a total {$360.00} in fees. 
I am requesting that the bank reverse these fees and credit my account for {$360.00}.
Complaint sub-issue: Personal information

While checking my Equifax credit report, I noticed that unauthorized and fraudulent inquiries were made by XXXX of XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry by anyone employee of XXXX. This conduct is in serious violation of my Privacy Act and FRCA Section:16:1 b ( c ). This inquiry was unauthorized and is fraudulent.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2017 someone used my identity to open a XXXX account. I immediately contacted XXXX and filed a fraud report. XXXX closed the account but the hard inquiry is still on my Equifax report even after XXXX reported it as fraud.