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

Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ). 

I paid as soon as I am notified about the pending bill working with hospital  ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments. 

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc. 

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason. 
Attached lots of information. Still, I can provide necessary information, if you need any. 

Please help to get my desired score honoring my history.!!!
Complaint sub-issue: Problem with customer service

It says on there website that if we want to get a loan dismissed to provide proof via transcripts or a letter from the school. I provided Official transcripts from the XXXX XXXX XXXX School Board that shows that i never graduated high school and they keep saying that is not enough. There asking me to get a letter from my school that says i never graduated High school and after speaking with the high school they stated thats against the rules of the states and they can only provide a letter of my entry and exit with gpa the same my transcripts say, but the transcripts are more detail as to saying i never received a High School Diploma. I feel as if there really not trying to assist me at all.
Complaint sub-issue: Other problem getting your report or credit score

ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXX FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE
Complaint sub-issue: Reporting company used your report improperly

The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS RPT XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX TRUSTED ID/EQUIFAX ID Report XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System Hard Inquiries XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX thisXX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX
Complaint sub-issue: Debt was result of identity theft

Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... 



XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render.
Complaint sub-issue: Debt is not yours

The company keeps " refreshing '' the date of a debt I had with XXXX that has long expired under the statute of limitation. They are now on my credit report reporting that the account was opened in 2019 and this is false.
Complaint sub-issue: Reporting company used your report improperly

I was affected in the XXXX 2017 Equifax data breach. My information about my entire adult credit history with stolen. It is ridiculous in this day and age that these attacks are allowed to be perpetrated against an organisation so large in the United States. It is absolutely unacceptable that an organization basically run and condoned by the federal government has allowed such an attack to happen against American citizens. 

Americans do not have a choice in this matter, there is no third-party service that we can go through for reporting our credit and storing our information. This has caused basically the entire adult population of the United States to be at risk for identity theft, and has caused undue stress trying to jump through hoops to prevent issues in the future with stolen identities. 

On top of this issue already being severe, the three credit reporting agencies are trying to charge people to place a credit freeze and protect their information that they allowed to be breached. 

This situation is unacceptable and the United States government needs to step in and protect all of our identities and information in this day and age of Technology. The companies responsible need to be punished severely, and the people affected need to be reimbursed appropriately for their time, effort, and damages. 

I am in the process of freezing my credit reports with all three bureaus, trying to place an extended fraud alert on my credit, and also trying to file a police report for the identity theft. Hopefully if these are successful, I will not have to worry any further. But if not I expect to be reimbursed by either the company or the government for all damages I have incurred personally, financially, and otherwise. I expect to not be responsible for any fraudulent activity using my credit, and be rewarded damages for my financial losses and personal losses such as time, expenses Etc ... 

This is absolutely not okay and future legislation, rules, and regulations need to be set in place along with very stringent security standards for our information.
Complaint sub-issue: Old information reappears or never goes away

Hi I am seeing hard inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I know majority of them should have been disputed by now because its been over a year. Can you please contact me back when someone has the time, thanks!
Complaint sub-issue: Information belongs to someone else

An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

I pulled my XXXX report.Under loans prequalified for. I chose XXXX  XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My was broken into and all my personal belongings were stolen. Now someone has been attempting to open accounts in my name. These are inquires that I did not do.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX. 
Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.
Complaint sub-issue: Transaction was not authorized

On XX/XX/20, I purchased {$1000.00} worth of gift cards at XXXX   using my personal Citi debit card. They were for my boss and he said I would be reimbursed for the next payroll. 

On XX/XX/20, I found out it was not my boss that emailed me purchase gift cards and I found out I was scammed. I called Citibank that day but their fraud department was already closed. 

On XX/XX/20, I went to the police station to file a report and called Citibank to let them know that I was a victim of a scam and did not authorize the purchase as I was manipulated in doing so and so they opened a case that day. 

On XX/XX/20, they gave me a provisional credit to my account while they investigate the case. 

On XX/XX/20, Citibank sends an e-letter deeming me responsible for the {$1000.00} transaction. I called them again to see if this could be appealed. The customer service rep I spoke to informed me that she could dispute the case again but it doesn't look like they re-opened the case as I see there are no new messages from Citibank 's message center.
Complaint sub-issue: Reporting company used your report improperly

I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.
Complaint sub-issue: Attempted to collect wrong amount

I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a XXXX XXXX XXXX of a XXXX XXXX XXXX I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX  XXXX XXXX XXXX  I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX  old to XXXX and a XXXX  years old she knew nothing else as home.
Complaint sub-issue: Debt is not yours

Alleged debt appeared on my credit report. I contacted to notify that the alleged debt was not mine and no action was taken. I disputed the alleged debt and the collection agency BAY AREA CREDIT SERVICE has not taken action. This alleged debt is not mine. BAY AREA CREDIT SERVICE needs to verify their information and make sure not to violate my HIPAA rights in the process.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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: Received bad information about your loan

I consolidated my loans more than 10 years ago for PSLF. I have made payments for 11 years under a income based repayment plan. I have certified my employment with the same employer, the State of Ohio government, every year. Fedloan servicing decided they will not certify my employment for a period of time in the middle of my tenure at the State of Ohio, even though I have submitted certification for that time period multiple times as recently as XXXX. This has stopped my from getting PSLF discharge for more than a year. I have tried to straighten this out over the phone, they recognize there is a problem, but then do nothing to fix it. The two loans are consolidated and I make one payment per month, but somehow there are different payment counts on the two loans. I don't see how this is possible. I have documentation to back up my claims. I am fully eligible and have been for over a year. They refuse to discharge my loan or give me credit for my payments made.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported to XXXX to investigate 2 hard inquiries on my Equifax and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX  ), XXXX ( XXXX XXXX  XXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
Complaint sub-issue: Information belongs to someone else

I founded account on my credit report not mine I never open
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11.  As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.
Complaint sub-issue: Debt was paid

On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Fedloan Servicing received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Fedloan Servicing was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Fedloan Servicing did not provide me direct verification, proof that sufficiently satisfies their claims, and no response to any of my correspondences. Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Fedloan Servicing by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Fedloan Servicing has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Fedloan Servicing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Complaint sub-issue: Old information reappears or never goes away

Personal Information on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/