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

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Complaint sub-issue: Confusing or misleading advertising about the credit card

tricked me into using balance transfer checks. first sent a series of checks for 1.99 percent. then followed by a series for 2.99 percent then lastly a series for 0 percent to start cycle over again. entrapment. in small print on the back of info says may apply to lower apr balance first.
Complaint sub-issue: Account status incorrect

The balance for equipment was paid and shows on my credit report as closed but it is still active
Complaint sub-issue: Account information incorrect

21st mortgage is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX  and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Hi I called in and I requested a credit line increase on my citi Best Buy credit card and i ask the agent to pull my credit report today on XX/XX/2020 and they said they did but I didnt receive any messages from XXXX  that hard inquiry was in place and citi Best Buy didnt pull my credit today and went by a old credit report with a soft inquiry back in XX/XX/2020 and I had a bunch of fraudulent items on that report and it was removed from my credit file with XXXX  the beginning of XXXX this year and citi discriminated me based on my race and sex and it was denied and I have good credit and no late payments at all and I dont know how long I need to wait ... I would like to closed this account if citi cant pull a hard inquiry on my credit report if that want play games and want go by a older credit report and denied me
Complaint sub-issue: Information is missing that should be on the report

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Their investigation did not fix an error on your report

Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.
Complaint sub-issue: Was not notified of investigation status or results

Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with Equifax with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

Thank You
Complaint sub-issue: Debt is not mine

ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks
Complaint sub-issue: Trouble closing card

On XX/XX/2021 I received a new U.S. Bank ReliaCard, which I did not apply for. I have not activated the card. Unfortunately, I shredded the card without writing down the card number. I do have the sheet of paper that The card was attached to, and it has a bar code above my name and address, plus a 15 digit number : XXXX XXXX XXXX I have tried to reach a person at U.S. Bank but they are not taking calls about their ReliaCard right now. Without the card number I have no way to cancel this card except for not activating it. 

I do not understand how this card could be used fraudulently by whoever initiated a request for it. However, XXXX presents vague information about people trying to get undeserved federal Covid payments. Not knowing what information was used to apply for the card, I am concerned about 'identity theft '.
Complaint sub-issue: Trouble with how payments are being handled

I called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received in the mail a US Bank ReliaCard Debit card in the mail. Never solicited for it. I called the phone number and discovered its for unemployment insurance payment. I called XXXX to have the card deactivated. I was on hold for 2 hrs before reaching an agent XXXX located in XXXX, Florida. I advised I never filed a claim for unemployment. She deactivated the card, she advised she will mail me paperwork showing the card is deactivated. XXXX advised me to file a Police Report, file a complaint with the Federal Trade Commission, file reports of fraud with the 3 credit bureau 's and call the Colorado Unemployment and get the case closed on my name. I have a very unusual last name XXXX. I'm the only one in Colorado!! I will do some of this today and the rest I will have to do on Monday with phone calls. 
I called the XXXX County Sheriff 's Department to file a Police Report it is CT XXXX with Officer XXXX Badge # XXXX. He informed me that these people can be anywhere and to file a report with this agency as well. 
I did not activate the card, I refused to give the last 4 digits or confirm my phone number. The card was never activated. I am a Federal Worker for USPS, I know there was a breach a few years back on our information. I will be enrolling in XXXX as well for my protection.
Complaint sub-issue: Old information reappears or never goes away

An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with Equifax and XXXX, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.
Complaint sub-issue: Debt is not yours

Collection is not from original creditor Jefferson capital system at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}
Complaint sub-issue: Trouble with how payments are being handled

Good morning, My student loans were transferred to Mohela in XXXX and then I called Mohela to find out about PSLF one time review that Biden set-up ( not the $ XXXX forgiveness for students who have grants but a review to see if my entire balance may be forgiven ) and I was told it would be in my best interest to re-consolidate my loans. 

Following this recommendation, I reconsolidated and my loans were returned to Mohela on XXXX My PSLF payment count still shows zero and it has been 3 months. They have been telling me all along to give them 90 days to update my payment count. Now that it has been 90 days, they are telling me to wait 90 BUSINESS DAYS. This is ludacris. I know that they have a lot of loans to process, but I have spent hours and hours on the phone and no one can tell me anything except to wait. 

I little while back I was told that they started working on my loans forgiveness on XX/XX/ and to allow 90 days from that date. But there still hasn't been any movement on my loans, at all. My payment count still shows zero, and now they are telling me to wait 90 business days? Prior to consolidation I had almost 100 payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can you please help me? I applied for the one time review prior to the deadline of XX/XX/ and I am becoming VERY concerned. This morning I did an online chat with a gal names XXXX and she couldn't tell me ANYTHING except to wait 90 business days. 

Warm Regards,
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$2400.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/2021 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights 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: Credit inquiries on your report that you don't recognize

I noticed that i have a credit inquiry and i have tried to resolve the issue multiple times directly and have had no reply. I am looking for help from you guys to remove this from my credit.
Complaint sub-issue: Charged too much interest

We used our Home Depot Credit card last XXXX to purchase a washer and drier with 0 % interest for 18 months ( XXXX ). Have made all our payments and Home Depot randomly changed to 6 months and charged us back interest.
Complaint sub-issue: Reporting company used your report improperly

I was one of many that their information was obtained due to the Data Breach. I received the letter from Equifax stating this and now my INFO is being used. I have noticed numerous inquiries that I myself have not made and I have not been made aware when my credit report is being accessed.
Complaint sub-issue: Problem with fraud alerts

I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

Equifax has a mixed report for my name. It includes credit accounts for myself AND my father. I called today and they would not fix over the phone. 

I am applying for a mortgage and cant get approved until this is fixed. There is no issues with the other major credit reports - only Equifax has a mixed report.
Complaint sub-issue: Received bad information about my loan

When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!!
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXXI, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''
Complaint sub-issue: Card opened as result of identity theft or fraud

PNC has been reported for attempting to open a credit card without permission. In early 2021, the company responded to the CFPB complaint assigning XXXX XXXX XXXX to the complaint. She responded with emails and calls till XX/XX/2021 and then suddenly I have not been able To get any response from her or managers. 

The issues were : Opening a credit card, application to the 2nd draw of PPP loans after receiving the 1st draw and timely mortgage payments made during Covid which were not being tracked by the bank :
Complaint sub-issue: Problem with rewards from credit card

Citi Thank You Rewards make it impossible to actually use the points for transfer to airlines such as XXXX XXXX. I have tried to transfer points many times and it always just gives an error that does not describe what the error is. I followed all stipulations in the terms and conditions. The error does not describe what is wrong. I believe the website is misleading and fraudulent.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax did knowingly store my credit report in such a manner that made it available to data thieves. This has caused my identity to be breached and frankly, damaged my peace of mind and trust in credit reporting agencies.
Complaint sub-issue: Account information incorrect

My Sears Credit Card, issued by Citibank North America REFUSES TO REPORT MY ACTUAL PAYMENTS PER MOUNTH I WAS MAKING AND TO INCLUDE THEM IN THE BALLANCE HISTORY OF THE THREE CREDIT BEAUROS. Instead,  Citibank North America sent me a letter stating that only the balances, minimum payments required and defaulted payments will be reported. 

I disagree! Bellow is the copy of my XXXX SEARS/CBNA XXXX XXXX XXXX XXXX, SD-XXXX as reported by XXXX XXXX: 


Account Number: XXXX   Status: PAYS AS AGREED   
Account Owner: Individual Account.  High Credit: $XXXX    
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $XXXX    
Term Duration:   Terms Frequency: Monthly (due every month)  
Date Opened: XX/XX/XXXX Balance: $XXXX    
Date Reported: XX/XX/XXXX Amount Past Due:    
Date of Last Payment: XX/XX/XXXX Actual Payment Amount:    
Scheduled Payment Amount: $XXXX    Date of Last Activity: XX/XX/XXXX   
Date Major Delinquency First Reported:    Months Reviewed: 2   
Creditor Classification:   Activity Designator: N/A   
Charge Off Amount:    Deferred Payment Start Date:    
Balloon Payment Amount:    Balloon Payment Date:    
Date Closed:    Type of Loan: Charge Account  
Date of First Delinquency: N/A 
Comments:   


As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA.
Complaint sub-issue: Account information incorrect

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/22, I applied and was approved for a Wayfair Mastercard. I made a purchase totaling {$370.00}. It contained 2 items, a bed for {$340.00} and a protection plan for {$37.00}. When I went to make the purchase, the system said the purchase of {$370.00} was eligible for a 6 month promotion ( no interest if paid in full by 6 months ). I spoke to customer service at the credit card ( Citibank ) that night to be sure, and was told that was correct, but that I needed to call them when the items shipped to have the promotion applied. I called them today ( XX/XX/22 ) and was told by XXXX that only the {$340.00} can be put on the promotion because that was the full balance on my account. I told her the full balance is {$370.00}, but she said I was wrong. I hung up and double checked with Wayfair, and they confirmed that my order is for 2 items totaling {$370.00} ( which I also confirmed on my receipt ). I called Citibank back and spoke to XXXX. XXXX spoke to her supervisor and was told they can not put the other {$37.00} on the promotion because the amount is not over {$200.00}. They are looking at it by EACH item, not the full order, which is what they are offering/advertising. This is a fraudulent offer. I tried again, just to see, to go in and purchase several items, all around {$50.00} and under, which totaled over {$200.00}, and again it said I qualified for the 6 month promotion. They are advertising this, but when you make a purchase, individual items under {$200.00} are not put on the promotion. I would like this looked into as they are advertising something they are not doing. I have attached a copy of my receipt. Please let me know if you need any other information you need. Thank you.