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

there are multiple fraudulent accounts as a result of identity theft on my credit profile such as XXXX and multiple inquiries as listed in the attached affidavit including fraudulent addresses and names.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Carmax ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Complaint sub-issue: Used obscene, profane, or other abusive language

The gentleman called me a XXXX  and was very XXXX with regards to the debt. I have no idea what debt they're talking about. All my debt has been paid or being paid.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2017. I settled a collection debt with XXXX on behalf of XXXX XXXX for {$1800.00}. First, the collection company informed me doing this will be considered paid in full, and they will contact XXXX to update their system. I contacted XXXX corporate many times but seen nobody knows how to handle this issue, also provide Equifax proof that their reporting is wrong that this account should show no balance and they should stop reporting that I am late every month since I took care this issue in XX/XX/2017. I called XXXX many times to see what was the deal, why was taking so long to update XXXX XXXX systems, their answer at the beginning was We are taking care of that, after We more phone call they did not answer me anymore. Right now Equifax  is saying the verify the account, even I supplied a letter from the collection office, also more back XXXX sold this already paid the debt to another collection office, thank God I keep the record of the payment, that I supplied to that office and they let me alone.
Complaint sub-issue: Deposits and withdrawals

Please refer XXXX on XXXX XX/XX/2022. At the most I got one call that somebody from PNC will call me back. That call never happened. 
XXXX transfers are totally unreliable and out of control. I am feeling so helpless and definitely hopeless. 
My personal finances are adversely impacted due to this. This XXXX started on XXXX XX/XX/2022 ( for {$5000.00} ) but it hasnt reached destination till now. 
I tried to get it cancelled but that's not possible. 
When I am trying to get money into this account- I am facing some unique hurdles that I can only deposit {$3000.00} per day not more than that. 
Any time when I do an XXXX  transfer, I am asked at least 5 secret questions This bank is totally impossible and very difficult to work with. Customer service and Branch manager are both out of the way and of absolutely no use. 
CFPB should not just forward the email but look into this. Even if this bank is 167 years old - the basic and fundamental are totally wrong. CFPB should close the business account capabilities of PNC bank- it's not at the level where it can be used in real world. 
What is the point of having a bank where the branch manager is simply clueless and asking customers to close the account when basic banking stuff is not working.
Complaint sub-issue: Information belongs to someone else

I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had XXXX XXXXXXXX in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The Equifax confirmation number is XXXX, XXXX file number XXXX, I do not. have the XXXX report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.
Complaint sub-issue: Account status incorrect

There is mistake in my report "  XXXX   XXXX   XXXX  Account #  XXXX  '' I do n't recognize this account
Complaint sub-issue: Can't decrease my monthly payments

I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers.
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I called into Macy 's DSNB to advise that I would be unable to make payments on my account due to Covid 19. I was told by the representative that they currently did not have a covid 19 plan in place but there would be notes on my account notating that I was affected by a natural disaster and requesting deferment. I asked if in the event that I was note able to make a payment would there be any negative reporting to the credit bureaus and she said no. She noted that I would receive a letter confirming my request for deferment due to natural disaster. I never received said letter. On XX/XX/2020 I received a notice from XXXX  that this Macy 's DSNB account was reporting 30 days late. I immediately called to see why the account was reporting delinquent even though the prior agent advised me that there would be no negative reporting to the credit bureaus. The agent with whom I spoke on XX/XX/XXXX advised me that at the time of my original call that Macy 's did not have a COVID19 plan in place and that said plan was not in place until XX/XX/XXXX. She did place me on their COVID19 deferment plan. When I advised her of the negative reporting to the credit bureaus she told me that she would report the dispute to Macy 's credit reporting department at XXXX and that they would be giving me a call the following week to confirm that they will be removing the 30 day late notice on the account. I have yet to receive a call so I called back to the Macy 's  main credit card servicing line at XXXX to follow up on XX/XX/2020. The new agent with whom I spoke told me that the agents in that dept would not be back to work until XX/XX/XXXX. So I am really getting conflicting information as to who to call and with whom to follow up and on how to get a resolution on the negative reporting of which I was originally told would not occur due to the economic COVID 19 pandemic
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to 640 's. Lenders are not interested in helping me get pre-qualified now.

An Equifax representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report.

XXXX cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Complaint sub-issue: Debt was result of identity theft

Date opened : XX/XX/XXXX XXXX : {$670.00} Contacted both original creditor as well as collections agency ( which is internal ) beginning in XXXX to explain that I have been incarcerated for 19 years and have only recently been released from Federal prison in XXXX of XXXX.
Complaint sub-issue: Information belongs to someone else

upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. please help
Complaint sub-issue: Problem with the interest rate

I purchased my   XXXX   XXXX   XXXX   in    XX/XX/XXXX  with a 66 month auto loan from   XXXX   XXXX   XXXX  . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $  XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from   XXXX   and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $  XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Banking errors

XXXX XXXX  and XXXX XXXX from citibank executive response unit are sending me letters with a presumption that i owe them something, the letters are evasive and misleading, I HAVE NEVER RECEIVED A ''BILL '' FROM CITIBANK OR A SWORN AFFIDAVIT TO SUCH MATTERS OF A ''DEBT '' OWED, THEY ARE KEEPING A SEPERATE LEDGER THAT EVIDENTLY IS A SECRET, THEY WILL NOT GIVE FULL DISCLOSURE, THE CHECK MAY HAVE BEEN UNPAYABLE FROM THE SOURCE WHERE I GOT IT,, BUT THATS NO PROBLEM BECAUSE THEY FUCKIN SOLD IT AND MADE OUT QUITE WELL AS I AM STILL INVESTIGATING THIS SECURITIES INSTRUMENT WHERE IS SHOWS MANY ROUTING NUMBERS PROVING TRANSACTIONS WERE IN FACT MADE AND PROFITS, CAN YOU TWO XXXX  CRIMINALS EXPLAIN TO ME ALL THESE NUMBERS ON THIS CHECK AND WHAT IT MEANS, OK, WELL I WILL EXPLAIN IT TO THE AMERICAN PEOPLE IN DUE TIME HOW YOU XXXX XXXX THIEFS LIARE RIPPOFS DO YOUR RIPP OFF BISNESS, , NOW STOP PLAYING GAMES, IF I OWE YOU ANYTHING SEND ME A XXXX BILL, XXXX XXXX  sent me a little book stating its the federal law that banks can keep the original check, WELL WHERE THE XXXX IS THAT FEDERAL LAW CITATION, ID LIKE TO SEE THAT ONE YOU XXXX LIAR
Complaint sub-issue: Their investigation did not fix an error on your report

This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.
Complaint sub-issue: Reporting company used your report improperly

My personal information was stored by Equifax and compromised by hackers. I now must spend extra time and energy protecting my credit history, potentially freezing my credit during a period where it was increasing, thus doing long-term damage to me and my family. The financial insecurity aside, the emotional insecurity of knowing that this agency has utterly lost any credibility or trust in handling my personal data is damaging by itself.
Complaint sub-issue: Reporting company used your report improperly

I have been confirmed as a victim of the Equifax Hacking Incident. Unknowingly, my very personal, private information was disclosed to 3rd parties, without my consent, knowledge, request or approval in XXXX of 2017 as reported by them.
Complaint sub-issue: Keep getting calls about your loan

On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.
Complaint sub-issue: Account information incorrect

I voluntary surrendered my car to the finance company XXXX XXXX in XX/XX/XXXX. XXXX XXXX has since sold the car and has charged off the remaining balance. In XX/XX/XXXX XXXX XXXX sold my account to the third party. XXXX XXXX is still reporting this account on my credit reports. I have made numerous attempt to have XXXX XXXX stop reporting this on my credit report since they no longer are the owners of my account but they have refused to do so. 

My account number with XXXX XXXX is XXXX. Telephone number for XXXX   XXXX is XXXX
Complaint sub-issue: Transaction was not authorized

On the XXXX of XX/XX/2021, my account was phish scammed and they removed {$2500.00} from my account through XXXX, as they attempted to call me from XXXX XXXX XXXX, without my knowledge or consent. I called Citibank as soon as I noticed and put in claim for the issue, Reference - XXXX They didnt make any attempts to contact me or freeze my account when the scam went and charged my account 20 separate times for amounts of {$120.00}, in fast successions. They did nothing to stop these transactions or notify me. 

Another call was made to my spouse who is on the joint account, but asking for me, and about the situation. Another phishing attempt, and I reported this to, to Citibank instantly with numbers, and contact information, that I do not have on me at the moment, but have the Reference number for the claim - XXXX Over a week passed, and on XX/XX/XXXX, I contacted Citibank, wondering where my funds were, as I could no longer pay bills now because my entire checkings was removed. They informed me the claim had been denied, with no other information online.
Complaint sub-issue: Account status

I paid my gas bill on XXXX/XXXX/2015 at my local bank. I was later toldthat they had problems that day and that my payment did n't gothrough, I realized it when I received my gas bill and it was XXXX. 
I immediately paid the bill when I realized it did n't go through. 
Equifax have me listed for a late payment when it was throughno fault of my own.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX I discovered a withdrawal of about {$2900.00} from my checking account ending in XXXX labeled Miscellaneous Adjustment Debit - nothing - no indication how or why money had been withdrawn. I have been a customer of US Bank since XX/XX/XXXX and this has never happened before - ever. 

After many calls to US Bank I was referred to a number XXXX - after calling speaking with XXXX I was told their unit had offset funds from a reserve line account which was overdue and now paid and closed. 

The agent advised I had been called in XX/XX/XXXX and had not cooperated with that office. I have one line of credit on which I have a payment agreement with US Bank and on which I have been paying every month for several years. 

US Bank has provided no accounting ; no letter ; no detail and no prior notice. I do not know even whether this unit or office was US Bank or whether any withdrawal was authorized. This out of the blue event will cause me immediate serious problems with paying Medicare ; my mortgage and other serious bills. 

I am familiar with right of offset but US Bank or whoever this is has done nothing to explain why out of the blue this action would have been taken. NEVER has this ever occurred or been mentioned to me before. 

I feel as though someone has stolen money from me. US Bank conduct here is that no one is accountable for any attempt to explain or help. 

I was referred to page 33 of a 50-60 page agreement which I did not have ; follow up with local branch XXXX did not help - they advised they would look into this and gave me the customer agreement of some 50 pages. The representative said page 36 applied but I simply did see how or why - the language read with other language only made the situation more confusing. 

Please assist. I have hit a brick wall.
Complaint sub-issue: Overdrafts and overdraft fees

My checking account with KeyBank was hit with 5 fees of {$38.00} in 2 days for returned amounts that were being withdrawn from XXXX. I understand one fee for not having enough money, but almost {$200.00} in fees over 2 days? How am I supposed to regain financial footing if my bank is slapping me with all these fees? From XX/XX/XXXX - XX/XX/XXXX {$190.00} in fees were charged to my account for {$87.00} that was returned. One transaction was only for {$4.00}.