Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

I never activated the account, I never used the account. I am not interested in the account. Thus, the account should be closed and reported to all major credit reporting repositories as " account closed by consumer ''.
Complaint sub-issue: Problem getting your free annual credit report

XXXX, XXXX, Equifax are blocking me from seeing my real credit report. I already hired an attorney and he found mortgage and bankruptcy on my social security number. The attorney sent dispute letters and all they did is send the same false credit report to me which is very confusing. The real credit report they never provided. It's locked up because they say everytime that they can't identify me, but I already provided my documents to them, but they ignored that.
Complaint sub-issue: Received bad information about your loan

Hello CFPB, This is regarding consolidation of student loans. I graduated from XXXX XXXXl in XXXX. My loans were in forebearance until XXXX when I graduated XXXX I started repaying my loans in XXXX when I started working. I have worked for a non profit XXXX group since XXXX and made over XXXX  on time payments. 

I didn't qualify for the public student loan forgiveness ( PSLF ) during that time because I wasn't in an income based repayment plan. When they expanded the program recently ( XXXX I believe ) to the TEPSLF, I would have qualified. So in about XX/XX/XXXX, I applied for the TEPSLF as I had all federal direct loans. My loans were direct and with a company called XXXX at the time. I was not aware that I needed to do a direct consolidation with XXXX XXXX as it didn't indicate this on the paper forms that I filled out to apply. So I simply applied for TEPSLF and waited to hear back. 

I waited many months to hear back from TEPSLF so I assumed I wouldn't qualify. I didn't hear anything back so in XXXX of XXXX, I looked into private consolidation options to try and lock in a lower interest rate before rates went up. I contacted a company called XXXX and ended up doing a loan consolidation with them. 

Shortly after this, I was responded to my TEPSLF and was told I needed to do a direct loan consolidation first and then I would qualify for TEPSLF. I also learned after this that my loans were no longer eligible for direct consolidation as now they are consider " private ''. 

I contacted XXXX and asked if my loans could be returned to a federal loan and why I was not told that consolidating with them would disqualify me for TEPSLF. In a nutshell, there response was no and that it was not their responsibility to inform me. I have contacted everyone from them to the current loan holder, MOHELA, to the federal government and no one has been able to help. 

I think it is the responsibility of XXXX and other private student loan buyers to inform clients that this is a possibility. I am an educated man and the student loan space is VERY hard for me to understand. There is no way to expect the average person to understand all of this. 

I am reaching out here to find if there is any way for CFPB to help. I was recommended to reach out to you guys by federal student aid help center to see if anything can be done. 

Thank you XXXX XXXX MD
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United St

ates Code. I have sent 4 letters to Eq
uifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Complaint sub-issue: Trouble getting, activating, or registering a card

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and i filed a PUA claim on the pa.government website and my dashboard shows that i've been paid but i have not recieved my RELIACARD from USBANK at this address which has been around 1 yr now and i put a change of address i when i moved. 
but the main reason is i think is i'm not in USBANKS data base but i should be, my claims are being paid. 
i would like to know where my RELIACARD isso i can pay my bills, can you please look into this matter?
Complaint sub-issue: Their investigation did not fix an error on your report

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Complaint sub-issue: Investigation took more than 30 days

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}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. 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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, have violated my rights. 

15 USC 1681b states, I have a right to privacy.

15 USC 1681b A ( 2 ) further states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased tickets for myself, my wife, and my XXXX  children to travel to XXXX XXXX on XX/XX/2021, and return on XX/XX/2021 with XXXX XXXX. I used my XXXX XXXX Citi card. 
On day of return, XXXX XXXX delayed our flights by 10 hours, due to the fact that the airline did not have any crew to fly our and 4 other flights. So I was stuck in a small airport, with 800 other travelers during the pandemic. 
Finally, at the end of the night they told us given its getting close to midnightXXXX XXXX  doesn't want their pilots to fly across the next day, so go and come back the next day. 
When we returned the next day ( Sunday XX/XX/XXXX ), i was informed that XXXX can fly us to XXXX, but it could be until Tuesday before they fly us to XXXX. When i stated this is unacceptable and many calls to XXXX customer service later they finally said they can fly us to XXXX and we drive to XXXX. We eventually arrived at XXXX around XXXX XXXX missing XXXX of XXXX at home, and basically XXXX not honoring the contract they signed with us. 

However, when I contacted XXXX, they declined this, and did not reimburse me for all or part of my ticket. So I tried to dispute with my credit card, and they at first were very agreeable to it. But they filed the dispute with XXXX as service not provided, and XXXX stated service was provided, and when I asked them to re-file, their OWN investigator has reviewed the case and denied disputing. This is a case of service not provided as expected, and i need this to be disputed appropriately.
Complaint sub-issue: Information belongs to someone else

So I have been getting phone calls and emails from this agency called acima credit. I apparently owe them {$10000.00}. They have reported it to my credit. Ive talked to them on the phone and told them that I do not owe them anything because I was never aware of how or even why I owe them that amount of money. I have no idea To this day why I owe them that amount, where it came from or who had my information to authorize it. they then said to report it as fraud and send them the report ... I really need this off my credit. As Im sure you understand.
Complaint sub-issue: Account status incorrect

The information on my report is incorrect. No missed payments.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

on XX/XX/XXXX my husband and I went to XXXX XXXX  to get our 2004 tax bill reviewed and our tax specialist gave us a letter to send to the IRS it was nothing more complicated he said he was billing us XXXX  dollars for the consultation however we noticed the next day he had charged our debit card for {$170.00} which is XXXX  dollars more than we agreed to, I called him to get some explanation of these charges and he had to call me back then texted me to apologize an said he couldn't reverse the charges and I would have to have my bank reverse the charges then he could bill me the correct amount so I went to the bank who gave me a temporary refund of the XXXX but after their review of the info im guessing he didn't admit to what he did because the bank now says they cant refund me for his services they're letting him charge me the XXXX dollars that will be again billed to me on XX/XX/XXXX this is insanity also im not entirely sure but we may have also paid him again the XXXX  after we were refunded so he may be getting away with almost XXXX for what should only ever been XXXX  his name is XXXX XXXX at XXXX my bank id us bank at XXXX is diret line to XXXX at card sevices who denied my claim I need help and soon they cant charge me so much more than was agreed to how can they do this no he didn't give us a receipt either didn't think we needed one XXXX XXXX  never tried to rob us before so we left there feeling pretty safe I guess you never know it can be anyone we were at XXXX  on XXXX XXXX in XXXX this guy also works at the XXXX XXXX in XXXX Utah please help me I don't want his services free I was happy to pay the XXXX  I do not want to pay any more than I owed him
Complaint sub-issue: Their investigation did not fix an error on your report

Account name : Discover Bank Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that XXXX shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for DISCOVER BANK. 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 
Tracking Number : 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: Confusing or misleading advertising about the credit card

I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.
Complaint sub-issue: Information belongs to someone else

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; XXXX SELF-REPORTED XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; 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 XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXX {$5700.00}
Complaint sub-issue: Attempted to collect wrong amount

I am reporting this complaint because back on XX/XX/21 i placed an order online which macys overcharged my credit card by not charging for the sale price and charged me with the original price instead. I then proceeded to call macys and ask why they charged for the original price when they online said that the items were on sale? they told me that they would adjust the price once the items were shipped. So I went ahead and waited for the items to be shipped hoping that they would adjust the price, to my shocking surprise they did NOT ONLY NOT ADJUST THE PRICE TO THE SALE PRICE BUT I NEVER RECEIVED ANY OF THE ITEMS THEY CHARGED ME FULL PRICE FOR. I THEN TRIED TO CALL THEM AND ASK THEM TO REFUND THE MONEY THEY CHARGED MY CREDIT CARD. HOWEVER, THEY DID NOT REFUND THE ACCOUNT AND KEPT CALLING ASKINGME TO PAY FOR THE ITEMS I NEVER RECIEVED. THIS IS THE REASON I AM FILING THIS COMPLAINT. I RECENTLY RECEIVED ANOTHER LETTER IN WHICH THEYRE THREATING ME TO CONTINUE TO ADD INTEREST CHARGES AND ALSO REPORT ME TO THE CREDIT COMPANIES AND SELL THIS ACOUNT TO COLLECTIONS, AS WELL AS PERSUE LEGAL ACTIONS. PLEASE HELP ME WITH THIS UNJUST AND UNFAIR AND ILEGAL ACTIONS MACYS WANTS TO PERSUE AGAINST ME. THANK YOU.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX notified 60+ plus days prior to move out. ( Balances prior to move out paid in full. 

Attempted to reach Original Creditor XXXX XXXX via phone and email and have not received a response. 

Debt Validation letter sent XXXX XXXX ( Certified ) - no response. 

Erroneous Credit Reporting Thank you XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

These inquiries do not belong on my credit report since they are not tied to an account. This is an unfair representation of my creditworthiness. 
Inquiry 1 : XXXX - XXXXXXXX XXXX  on XXXX XXXX, 2022 Inquiry 2 : XXXXXXXX XXXX on XX/XX/2022 Inquiry 3 : XXXX - XXXX XXXX on XX/XX/2022 XXXX5 U.S Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank 's credit card advertises zero liability on fraudulent charges. I was able to provided emailed requests to set up cancellation and cancel the service. I did message the vendor XXXX XXXX several times over a few months in email correspondence and they refused to cancel service due to the person who set up the account was the only authorized person to cancel the service. That employee is not with the company and requested no further communication from XXXX XXXX upon discharge of the employee. I am the owner of XXXX XXXX. Citibank did not honor the dispute. I then requested them to stop additional payments to the vendor. They did not. Eventually I requested them to reissue my card to get a different number of the card to stop the charges. The total overcharges were {$440.00}.
Complaint sub-issue: Frequent or repeated calls

I have a Discover credit card - each and every time a payment is late ( not delinquent, just not on the due date, less than 30 days late ), I receive repeated phone calls almost every day of the week. In the last 3 days, I have received 10 phone calls from them with no messages left. The tactic is harassing and intrusive.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX submitted several certified letters to XXXX, Equifax and XXXX to erase all my old address, telephone numbers and old address. They also submitted several certified letters to dispute charge off and inaccurate reports what is left on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a Surviving spouse of XXXX XXXX Service member.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is reporting 5 collection accounts that do not belong to me & must be deleted immediately, under FCRA EQUIFAX failed to timely investigate the dispute & provide proper procedure to handle the dispute. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$500.00} XXXX   # XXXX {$100.00} XXXX # XXXX {$270.00} XXXX # XXXX {$860.00}
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.