Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  is a company that has given me a hard time for decades. I am a member of their data breach Class action lawsuit. 1st they did not even provide me a copy of my free credit until I contacted the CFPB. Which is and was highly suspect due to our history together. Which seems to be personal on their part. I am a XXXX veteran they have absolutely no respect or concern about that. The report my Military status date as recent and incorrect. They have ignored correspondence that I sent from XXXXXXXX XXXX XXXX. XXXX and XXXX papers sent by me from XXXX XXXX XXXX stating that the account in question can be removed due to my sever Military XXXX injuries, XXXX  and hospitalizations which caused the misunderstanding. They forgave me for my serving the country and they understood that my situation wasn't on purpose and unavoidable. XXXX  has refused to recognize. They know they haven't been fair with me that's why they didn't send me a free credit report until I contacted the CFPB. I am complaining about incorrect information on credit reports, shoddy investigations concerning my credit reports, refusal to provide a report until reported to CFPB, Refusal to recognise correspondence proving that said accounts were positive and if not to be removed immediately, Showing accounts in good standing as adverse that account being the XXXX XXXX  account that is paid as agreed, Reporting account said credit granter XXXX said could and should be removed due to XXXX Veteran Status and being positive until injuries and hospitalizations was sole reason for setback. And Treating the council wealthy persons as privileged and XXXX and low income as least important. I have but not yet decided upon contacting the Pennsylvania human relations commission for some type of discrimination due to my XXXX in the military. Please respond to my complaint any other information that's needed and references can be provided. Thank you!
Complaint sub-issue: Problem lowering your monthly payments

Forbearance and deferment need to be added to the PSLF waiver. So much information I received was incorrect. I was working full time while in XXXX XXXX, and was never told that when they automatically put the accumulating loan in forbearance I would lose years toward PSLF. I could have made payments during this time if I hadn't been steered in the wrong direction. I would be at the 10 year/120 payment mark by now if Fedloan had given me the correct information. This system is broken, and it's breaking me.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX  has forwarded this account to this collections to get me to pay Im a victim of identity theft and not responsible for this bill
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX Discover states they did a soft pull of my credit and it was determined that my credit was lowered by this pull. Discover brought my card down to maximum utilization without the option to pay off before it destroys my credit score. I have never been late on payments with them and never maximize my credit limit. They states because I had multiple inquiries to purchase a vehicle, which would have been year ago in XXXX. They are hurting consumers during a pandemic. There response is that they are doing it to everyone.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I learned that Equifax mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the local newspaper. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an inquiry for XXXX XXXX XXXX on my equifax report that was made on XX/XX/XXXX ; I have phoned equifax in XX/XX/XXXX and a few others was removed but not that particular inquiry I expressed my concern about ; I have sent 3 rounds of letters since then all 45 days apart with my ID, social, police report and identity theft report and still no luck removing that single inquiry ; I wrote XXXX requesting information on the application with no response ; I asked Equifax to send proof of the inquiry only received letter refused to remove that inquiry
Complaint sub-issue: Information is not mine

Equifax is violating federal law and refusing to remove fraudulent accounts from my credit profile. I am a victim of identity theft and unknown person has used my information to obtain credit. Equifax has my identity theft report from local law enforcement. I have requested a freeze on my Equifax credit file and that was denied as well. The fraudulent accounts are with XXXX XXXX XXXX XXXX and XXXX XXXX. I have never had an association with these XXXX companies or applied for products with them. It is unlawful to hold me accountable for accounts that I did not create, apply for, or give anyone else permission to apply for.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a Debit Card from XXXX to find out it's an unemployment card that was fraudulently requested as I am not unemployed. XXXX is trying to close the account and hopefully notifying the Colorado Unemployment office and I will try too. I have frozen my credit accounts and need to make sure someone goes after this fraud.
Complaint sub-issue: Account status

Note For CFPB rep : Although this complaint is the same as a prior complaint, I am including new information for Equifax. Due to the fact that Equifax is not required to respond to a Disputed CFPB case and the dispute does not allow for the upload of additional information I ask that you please process this as a new CFPB complaint. Thank You. 

For Equifax : On XXXX/XXXX/2015 I submitted a CFPB complaint with Equifax, hoping it would lead to an " Executive Investigation '' rather than the typical investigation submitted through their regular channel as it is highly ineffective. My hope when submitting this " Executive Complaint '' was that I would be connected with a direct equifax case agent who would actually do their homework, and call the creditor in order to verify the claim that I made was accurate and correct my information as required by the FCRA. Unfortunately this was too much to ask for from equifax as equifax did the exact same thing they did when I submitted a complaint through the regular channel, absolutely nothing. In fact it was worse than nothing. Instead of verifying my claim with the creditor, they instead chose to take time out of their day to respond to my complaint by accusing me of making up false data and submitting unusable documentation from " Some Law Firm '' as they put it in their response. Equifax also incorrectly stated my balance as being {$24000.00} when it is in reality {$0.00}. If they would have called either " XXXX '' at ( XXXX ) XXXX or " The Law Office Of XXXX XXXX '' at ( XXXX ) XXXX They would have seen that it was not a made up document, but a verifiable legal document issued by the attorney representing the creditor. Since picking up the phone is apparently too much work for equifax, I took the liberty of doing their homework for them. I have attached a document written by XXXX. XXXX XXXX, XXXX of the Student Loan Program for the New Jersey XXXX ( the Creditor ) stating that the loan has been paid off in full. I have also attached a previous document from XXXX which states the specific reason the payoff amount is higher than the amount listed with equifax which is the reason i 'm assuming is the direct cause of equifax taking the stance that the attorney payoff letter is not a " valid '' document. ( equifax 's credit record does not account for the attorney fees. ) If equifax wishes to verify the information for themself. They can contact XXXX at XXXX or contact XXXX at ( XXXX ) XXXX ( which is the number listed on XXXX 's webite ) and ask to be transferred to XXXX XXXX to verify the information I am reporting is correct. 
I just checked my credit report with Equifax last week, and they are again incorrectly reporting that I paid {$0.00} for the month of XXXX 2015. 
I have the documentation for a small claims lawsuit filled out for the amount of {$1000.00} in full at this point in time. If equifax chooses to respond with anything other than " We have contacted XXXX and have corrected the information accordingly '' I will be sending out the lawsuit and will gladly collect the {$1000.00}.
Complaint sub-issue: Can't use card to make purchases

The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.
Complaint sub-issue: Debt was paid

Due to continuous noise complaints of my neighbors above me for several months and management 's lack of attempting to fix the issues at hand ; both management and I, came to an agreement via email, that I can move out due to him finding someone to take over my apartment. Management informed me that I would have to move out on XX/XX/2020 and surrender my keys that night so that the apartment would be prepped for the next person to take over the apartment on XX/XX/2020 and in turn I would only have to pay the amount of {$280.00} from XX/XX/2020-XX/XX/2020. 

I ensured that the apartment was clean and completely empty when I left on the night of XX/XX/2020 as requested by management. 
After moving out, I purchased my money order on XX/XX/2020 and stopped by the leasing office and placed the amount of {$280.00} in the dropbox since the office was closed due to Covid-19. 

Management then reached out to me and informed me that the person will not be moving in until XX/XX/2020, however, that was not apart of the agreement that he sent me via email, so therefore I informed the collections company via email and certified mail that I am not responsible for the rest of the amount because there was no verbal or written agreement with management that I would be responsible for any other payment. I paid what was owed of me, which was the {$280.00}, so the debt that was placed in collections is fraudulent and should be removed. 

I was also told by two close friends that still resides at the apartment complex that a couple moved in my apartment shortly after I moved out in the month of XXXX. They are not sure of the exact day of move-in, however they are sure that the person moved in XXXX. 

Although I sent certified mail to the collections agency with documents proving that I do not owe the apartment any other monies, they still placed the collections on my credit report. 

Please help me to rectify this issue, as I do not owe this debt.
Complaint sub-issue: Problem with customer service

I AM CURRENTLY ON THE PUBLIC SERVICE FORGIVENESS PROGRAM. MY LOANS WERE TRANSFERRED FROM XXXX TO FEDLOAN DUE TO THIS. FEDLOAN HAS HAD MY LOANS FOR OVER A YEAR NOW. THEY HAVE NOT CALCULATED MY PAYMENTS TO COUNT TOWARDS MY PSLF. I HAVE GOTTEN SEVERAL REASONS FOR THIS. LAST TIME I CALLED AND DISCUSSED THIS I WAS TOLD IT HAD BEEN REVIEWED MULTIPLE TIMES ( MORE THAN 6 ) AND NOTHING HAD BEEN DONE. I SENT A MESSGE TO CUSTOMER SERVICE IN THE SUMMER AND RECEIVED THE MESSAGE THAT BASICALLY SAID THEY WOULD CALCULATE MY PAYMENTS WHEN THEY FELT LIKE IT. I ALSO FEEL THAT MY PAYMENTS ARE NOT APPROPRIATELY APPLIED TO THE LOANS I HAVE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The XXXX credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and may to help devaluate the dollar.
Complaint sub-issue: Debt was result of identity theft

I checked my credit report and this Citicards loan is on it, which I have no knowledge of.
Complaint sub-issue: Debt was result of identity theft

On or about XXXX 2019 I noticed a strange debt on my credit report. I contacted the creditor listed ( XXXX XXXX XXXX ) and the reporting agency ( Plaza Servic ) Both refused to listen ; [ E ] ven after I explained that I received a denial of credit letter indicating someone already attempted to  open an account in my name. SEE ATTACHED The letter also listed reasons for the denial.I filed a dispute that the account was open fraudulently, and the fact the account was even charged off to no avail.
Complaint sub-issue: Information is not mine

its been about 3-6mths and still no answer
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 {$11000.00}. 
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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : BB & T XX/XX/1919 and XXXX XXXX XX/XX/1919 19
Complaint sub-issue: Privacy issues

The XXXX company of discover closed my account witouth my consent. I sent the advisor to the XXXX and closed my account.
Complaint sub-issue: Account status incorrect

I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Billing problem

My finances have been affected by covid. I need a payment extension.
Complaint sub-issue: Information belongs to someone else

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account number XXXX ) 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: Information belongs to someone else

I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.
Complaint sub-issue: Account status

This bill was paid in 2012 after I returned home from XXXX. XXXX XXXX XXXX has notified Equifax and provided me copies of my account showing it as paid, however Equifax and XXXX XXXX is showing a balance due.
Complaint sub-issue: Debt was result of identity theft

MRS BPO, L.L.C., sent me information on account I have no knowledge of. I have not conducted business with this company or provided them with my information. They advised me that it's a debt from XXXXXXXX XXXX in the amount {$3200.00} which I have no knowledge and is fraud. 
MRS BPO, L.L.C., is no licensed to collect funds in the state of GA as well and acquired my location information.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Complaint sub-issue: Frequent or repeated calls

This collections agency has called several times and hung up. I have been in contact with the collections agency and scheduled payments, but they still call and hang up. I 've asked them to make a note on my account that my payments have been scheduled via EFT but they continue to call, and when I answer, they hang up.
Complaint sub-issue: Account status incorrect

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and Equifax. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX