Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

To whom it may concern, I have sent in multiple letters to Equifax to remove the information from my report. They have yet to remove the false information even after sending in multiple items proving it does not belong to me. At this point, they have not been cooperative with the situation. I need this removed immediately for it is a false claim. 

The following is the false information they are reporting : XXXX XXXX {$360.00} I have mailed off the communication with them on XXXX, XXXX and XXXX of 2020. 

Please help me resolve this issue!
Complaint sub-issue: Problem making or receiving payments

Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. 
I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX  XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. 
Reaching the PNC Retail Escalation Department and  speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX  XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. 

PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment.
Complaint sub-issue: Information belongs to someone else

Identity Theft & Fraud, that was never blocked, on my account. Duplication Accounts, Inaccurate Accounts. Account Information Incorrect, on loans balance, payment amount.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

Citibank Mastercard accepted my payments over the phone from my bank accounts, but did not credit them in a reasonable period -- even though my bank informed me that the money had been paid immediately to Citibank. During XXXX I made 2 large payments ; Citibank told me that I had to wait 2 weeks ( until XX/XX/XXXX ) for the payment to go through, even though they had received the money immediately. I was denied credit at several places of business and my utility bills were not paid either via the Citibank credit card as well. This was dishonest, unethical and unfair on Citibank 's part. They were taking advantage of the situation and could easily have checked to see if a deposit was made -- but instead, kept my money without crediting it for weeks.
Complaint sub-issue: Personal information incorrect

on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.
Complaint sub-issue: Their investigation did not fix an error on your report

Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to  get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? 

Also, I dont see any correct dates for this account on my report. 

I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.
Complaint sub-issue: Other problem getting your report or credit score

I am having an issue obtaining my credit report with  XXXX , Equifax and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot  of one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one  star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Complaint sub-issue: Investigation took more than 30 days

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Their investigation did not fix an error on your report

Their website does not work in terms of the complaint process. 

Their website pulls incorrect information in the security-question process rendering the service useless. 

These " credit-reporting '' agencies are incompetent and are affecting the daily lives of people!!!
Complaint sub-issue: Reporting company used your report improperly

I am a potential victim of the Equifax leak. My information including my name, Social Security number, birth date, address and drivers license numbers ... possibly also my Credit card number.
Complaint sub-issue: Information belongs to someone else

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX XXXX Balance Owed : {$350.00}
Complaint sub-issue: Don't agree with the fees charged

To Whom It May Concern, As of XX/XX/2019 I've been actively trying to seek information and resolve the discrepancy with my student loans. I recently XXXX and noticed an error with my subsidized loans. Out of five of my subsidized loans, I've lost subsidy on four. Though, I did not reach my subsidy limit on amount of loan nor time of program completion. 

I reached out to my loan servicer to understand why subsidy was lost and to report the issue. And though I was given reasons why I could've lost subsidy, none were applicable. I was told to contact the Department of Education by by servicer 's customer service. After speaking to the Department of Education, I was told to contact by educational institution. After contacting my institution by phone, I was told to contact my servicer because, " they did not have control over taking away my subsidy, the servicer 's do ''. Again, I contact my servicer, but request to speak to a manager. I am told by a manager from my servicer to contact my school again because, " they do not have control over my subsidy and just go by whatever the school reports. '' I continued to make multiple in person appointments at my school 's financial aid office. Speaking with the financial aid officers we've made claims with both the XXXX and XXXX. Even with verification from the financial aid officer 's manager that the school reported my correct and timely program completion, both departments couldn't figure out how the error occurred. I even asked a financial aid officer if I could please have the email from his manager stating that the school reported my program information correctly, I was told he would asked if he could later on and never sent it. Even after emailing him for any updates, I received no response. 

I've also spoken with two ombudsman ( one from Great Lakes ) that have told me to again contact my institution. I've also tried to contact a XXXX XXXX XXXX XXXX, but was advised to contact my school. Even after in-person appointments at my school, I'd get email updates stating the faculty still didn't understand anything. After numerous visits to my school to get an answer or any type of update, I was sadly told that the more I emailed or made appointments the more I was wasting time because if they, " knew anything, they'd tell me. '' At this point, I am greatly disheartened and have desperately tried anything I could do to resolve the issue. My subsidy has been lost and interest has continued to accrue for 3 years now. It wasn't supposed to even start until XXXX of this year. Every specialist I've contacted agrees there's an issue with my account, yet no one has resolved it or taken accountability. After graduating, I just wanted to pay off my loans to prevent accrual. I took out so many subsidized loans to avoid accrual because I can not afford tuition on my own and as a XXXX XXXX XXXX who has worked multiple jobs to afford schooling ; I just want anyone to hear me and help take better action on this matter. 

Thank you
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX. I sent in a dispute into Equifax at the address of record ; XXXX. XXXX XXXX, XXXX, GA XXXX. The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Equifax has 30 days respond to the dispute beginning on the day the letter is received. It is now XX/XX/XXXX and I have yet to receive a response from Equifax regarding the results of my dispute. I contacted Equifax at XXXX PST and originally spoke with XXXX XXXX , when I stated the nature of my call and demanded that the incorrect information be removed from my report based on the law as mandated by the FCRA XXXX the agent hung up on me at approximately XXXX PST. I immediately called back and spoke with another agent XXXX, ID # : XXXX. XXXX says that they did not receive my letter until XX/XX/XXXX. Which is factually inaccurate as I have proof that the letter was indeed delivered and signed for on XX/XX/XXXX at XXXX. She also specified that XXXX XXXX XXXX responded to them on XX/XX/XXXX - which is still more than 30 days after receipt of my letter. After getting nowhere with XXXX, I requested to speak to a supervisor. The supervisor XXXX ID # : XXXX regurgitated the same inaccurate information. When I recited a portion of the FCRA, he stated that Equifax has its own internal policies. In response, I asked if Equifax was violating the law. He replied that Equifax is following the law and refused to remove the disputed information. 

The letter that was sent was itemized. There were eight accounts in this dispute and they should be updated accordingly. 
XXXX XXXX XXXX XXXX - removed US Department of Education ( 4 accounts ) - removed XXXX XXXX XXXX - removed XXXX XXXX XXXX XXXX - late payments removed XXXX XXXX XXXX. - removed
Complaint sub-issue: Company closed your account

XX/XX/XXXX I was sent a letter stating my account was being reviewed and closed without any explanation.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days.
Complaint sub-issue: Information belongs to someone else

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1681a ( e ) Validation of Debts the law clearly states validation comes directly from me, interviews with my neighbors, family, and friends. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report., I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX  Date Opened : XX/XX/2022 Balance : {$250.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything from them. 

XXXX/XXXX/XXXX XXXX : XXXX XXXX {$460.00} XXXX/XXXX/XXXX Auth : XXXX # XXXX {$89.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$360.00} XXXX/XXXX/XXXX Auth : XXXX {$3.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$10.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$28.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Euro {$10.00} XXXX/XXXX/XXXX Frgn XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX/XXXX/XXXX Frgn Trans Fee-XXXX XXXXy XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX XXXX XXXX {$25.00} XXXX/XXXX/XXXX XXXX Delaware De {$570.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$5.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX/XXXX/XXXX Frgn XXXX XXXXXXXX XXXX XXXX Pr {$2.00}
Complaint sub-issue: Problem getting report or credit score

last XXXX i pulled my equifax credit. since then i have purchased nothing and not been late on anything. today i was denied credit because of equifax. today they are not providing my credit report and are insisting that i MAIL in photocopies of my SSCard and Utility Bills. I am in the system, something is going on with my credit and i am being treated unfairly. TIME IS OF THE ESSENCE.
Complaint sub-issue: Information belongs to someone else

I disputed it with XXXX  and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score
Complaint sub-issue: Can't get flexible payment options

Nelnet, a part of XXXX, has failed me as a borrower for years and I absolutely support the CFPB in their claim against them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

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

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized
Complaint sub-issue: Can't get other flexible options for repaying your loan

I previously had my federal loans with Great Lakes and was on a income-based repayment plan and XXXX  repayment forgiveness plan. In XXXX I was switched to forbarence without my knowledge and understanding and was not switched back until XXXX missing out on 3 years of repayments which I could have made and contributing to the total 10 years required before my federal loans are forgiven. Great Lakes refused to help or remedy their error. My loans are now with Fed XXXX XXXX who cant or wont help me. The 3 years I missed out are now going to be when I am done with training which will be substantially higher payments than I would have otherwise paid.