Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX claimed possession of my legitimate student loan accounts ( XXXX, American Education Services, and XXXX XXXX ) in XX/XX/XXXX. I received a bill from XXXX XXXX  in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the last three years, XXXX XXXX claims that the fraudulent loan is also in default because I have not provided money for the company. This loan is not a valid debt. XXXX Servicing has also failed to demonstrate that I used my pin number or signature to authorize XXXX XXXX to consolidate loans from American Education Services, XXXX, and XXXX XXXX. The company has also used false information to force me to make payments for an account that was not created or authorized by me. The company often sends documents to my post office box and falsely claims that the documents were composed by The Department of Education.The Department of Education is located in Washington, D.C., and the organization does not collect student debt. The address for the company is as follows : XXXX XXXX XXXX ( XXXX ) Department of Education XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX. The company recently filed a false report with the U.S. Department of the Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. The U.S. Department of Treasury/Bureau of the Fiscal Service notified me that the company will retain my tax refund of {$360.00}. The Department of Education has not informed me of my rights regarding the situation, and they have not issued a letter of intent to collect the debt by applying eligible federal payments made to me. I contacted The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. I spoke to XXXX who informed me that my account was clear and no funds will be taken. XXXX informed me to contact IRS to resolve the problem. I contacted IRS on XX/XX/XXXX and spoke to XXXX XXXX. XXXX XXXX informed me that the IRS does not resolve the problem. When I attempted to contact The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX at a later time, an individual named XXXX picked up the phone and asked for my social security number. Once she entered the information, she abruptly hung up the phone. I could not contact a live person on XX/XX/XXXX for the rest of the day. Please be advised that the company ( U.S. Department of Education ) attempted to place false information on my credit report several times within the last three years. The information was removed on several occasions from my XXXX, XXXX, and XXXX credit accounts.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance : {$5400.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and Equifax, XXXX, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, Equifax, XXXX, and XXXX   are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Complaint sub-issue: Account status incorrect

I have contacted XXXX  and Equifax numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.
Complaint sub-issue: Information belongs to someone else

I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX  and XXXX XXXX  none of which I recognize.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Called outside of 8am-9pm

PNC bank called me at XXXX on a Saturday morning. I usually turn my phone off but forgot. I live in Texas which is in the central time zone. They were calling me from the Eastern time zone. I believe they are calling in regards to a debt that is less than {$100.00}. I had attempted to close my bank account but there was an outstanding charge from XXXX. I had changed my bank information on the XXXX website and PNC bank was not showing up on my account yet it still got debited. I attempted to deal with bot PNC bank AND XXXX and neither would agree to fault or drop the charges. PNC added overdraft fees and daily charges to my account which I refused to pay. I 'm in debt consolidation and have been unemployed several times in the past XXXX months. This is a very low priority for me.
Complaint sub-issue: Investigation took more than 30 days

I, XXXX XXXX sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. They have completely ignore my request to remove the following inquires requested from my consumer report. It has been well over 30 days since they received my dispute and by federal law they must remove the following inquiries requested.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct it ASAP! 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I am messaging you in regards of my bank refusing to give me my money back. I received 2 fictious checks ( from XXXX XXXX Bank ) after completing a XXXX XXXX for a stranger. She told me her bank wrote charge wrong and told me to clear the check and send the money back to her. I sent through XXXX. This happened 2 times and I had to send my personal money that resulted in {$3100.00}. I've filed a dispute with my bank, PNC but they refused to reimbursement my stolen money. I really need help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXl XXXX, Account # XXXX, Account # XXXX, account # XXXX, XXXX, XXXX, 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: Attempted to collect wrong amount

Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There appear to be a internal coding error of inaccurate information VIOLATION OF FCRA AND REQUISITE XXXX COMPLIANT REPORTING STANDARDS nonconsensual reporting to my consumer file in connection to said mentioned UNAUTHORIZED INQUIRY XX/XX/2021 XXXX my consumer right to privacy has been violated pursuant to 15 U.S. CODE 1681 section 4. congressional finding and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 U.S CODE subsection 6801 protection of nonpublic personal information ( A ) privacy obligation policy It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer customers and to protect the security and confidentiality of those consumers nonpublic information. 12 U.S CODE SUBSECTION 1843 Interests and nonbonding organizations ( k ) ENGAGING IN ACTIVITIES THAT ARE FINANCIAL IN NATURE 15 U.S.C CODE DEFINITIONS ( 3 ) ( A ) ( 4 ) NONPUBLIC PERSONAL INFORMATION
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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  ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Trouble with how payments are being handled

I have applied for PSLF. My loans ( 1 & 2 ) were transferred to FedLoan Servicing in XXXX of 2021. 

I am concerned with how the Payment Counts differ, 17 & 55. These are consolidated loans, and payments were made on-time and were in an income-based repayment plan.
Complaint sub-issue: Debt is not mine

I was out XXXX for five year when this account was open proof of it on record Out XXXX from XXXX to XXXX XXXX records available
Complaint sub-issue: Didn't receive advertised or promotional terms

Stop closing this complaint as the company does not provide sufficient documentation of their claims. I ATTEMPTED TO ACTIVATE THE CARD VIA THE MOBILE APP. 

HOWEVER THE CARD DID NOT WORK WHEN I FIRST ATTEMPTED TO USE IT AND I HAD TO CALL CUSTOMER SERVICE AND WAS TOLD THEY SUSPECTED FRAUD. I WAS UNABLE TO EAT BREAKFAST THAT DAY AS THE APP TOLD ME IT WAS ACTIVATED ONLY IT NEVER WAS. 

I confirmed my identity as requested, even though I had already done that previously when applying and it should not have been approved nor supposedly activated if my identity was in question. WHEN CONFIRMING MY IDENTITY I ALSO CONFIRMED THE OFFER ON THE ACCOUNT WAS VALID. YOU CONTINUE TO LIE TO ME. 

Further, a reputable business would promptly inform the customer they were ineligible, not confirm they are eligible, then waiting until they meet the spending requirement, and then waiting again until they complain after months of not receiving the bonus.before then finally making up lies and telling them they were never eligible and in fact had been previously been informed ( A LIE ). 

THIS IS ILLEGAL AND CITIBANK SHOULD BE PROSECUTED. IT IS A CLEAR VIOLATION OF UDAP. 





I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continuing to incorrectly report collections on the XXXX XXXX XXXX in the amount of {$400.00} partial account number XXXX and XXXX in the amount of {$1200.00} partial account number XXXX. ( Please see pages 22 and 23 attached from my credit report. ) XXXX and XXXX have removed these line items. I have contacted the bureau to remove these line items however, I have not been successful. This incorrect reporting of collections is harming my credit score and these line items need to be removed.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit in XXXX of 2021 and noticed that I had a collections and charged-off accounts on my credit report that I never opened. I contacted the credit bureaus via writing to let them know that I was an victim of identity theft by sending them the FTC Fraud Affidavit as well as a copy of the police report to indicate this. Despite these numerous attempts, the bureaus will not delete these delinquent accounts from my credit reports harming me financially. My ability to gain credit is destroyed! 

I want this error fixed IMMEDIATELY! This accounts needs to be updated in their office, and they need to notify XXXX XXXX that the account is closed and to have all reporting to credit agencies deleted immediately!
Complaint sub-issue: Investigation took more than 30 days

l was taken advantage of due to malpractice while several laws were been broken under the FCRA law by company. This is causing financial injure, deformation of character. l can not get a job and can not even apply for credit card. l can not qualify for SDA loan as well. This has put me in a tight financial situation, making it hard for me to afford some basic staffs.

l want all negative items be removed or deleted from my credit because you are in direct violation of FCRA LAWS. 
I demand that all these negative items be removed from my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX late open Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Account information incorrect

Accounts are as followed incorrect, and adversely affecting my livelihood. 

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 getting your free annual credit report

I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX and XXXX credit report but not the Equifax report. I'm certain all the verification information I provided was accurate. The fact that i got the other two is indicative of that. Equifax is putting unnecessary roadblocks to stop consumers from accessing their credit report. Equifax asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format. 

Below is the message I received : Print and complete the Annual Credit Report Request Form. You'll need to mail the completed Annual Credit Report Request Form and a copy of the required documents described below to verify your identity Mail in a copy of one item in each of the categories described below. 
The item you include from the Identity category MUST contain your Social Security number, and the item you include from the Address category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) Please enlarge photo copies of any documents that have small print, such as your driver 's license. Also, make sure the documents are easy to read and do not have highlighting. To avoid delays, keep in mind that if the photo copies are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Mail to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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.