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

I have been receiving this debt collection attempt for a while and I wrote them multiple times to dispute this account and asked for validation and they failed to provide me with proper signed validation. I wrote them again but didn't receive anything. Now XXXX different companies are sending me debt collection letters about the same account which I disputed multiple times but they keep on sending me threatening letters.
Complaint sub-issue: Account status incorrect

I am having an issue with FedLoan Servicing. My account was closed due to loan consolidation back on XX/XX/XXXX. This account is still showing derogatory events on my credit report from XXXX ( my father passed away in XXXX of XXXX and I was still not working ). This negative account is destroying my credit. 

I reached out to FedLoan servicing back on XX/XX/XXXX to try and resolve this, and I had asked for it to be removed completely from my report as it is causing issues ( noting that I'm currently in good standing with the Dept of Ed/XXXX, and have been for years ). The representative logged my dispute and sent me an email containing a XXXX XXXX Dispute Form, which I promptly filled and returned via mail to FedLoan Servicing, XXXX. XXXX XXXX, XXXX, PA, XXXX. This was sent on XX/XX/XXXX and I have not yet as of today XX/XX/XXXX received any response ( regarding the removal of the incorrect information, or otherwise ). 

Attached is a copy of my FedLoan Servicing Account Details from MyFICO. There is a {$0.00} balance shown however this account continues to sit on my credit report with a 120+ day delinquency, absolutely ruining my credit score, and it appears there is no resolution in sight as they refuse to even communicate with me. Please help me.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX  who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX XXXX XXXX Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX i got a letter from Cardmember Service about owing XXXX XXXX {$130.00} I disputed this and asked for a invoice from Carbmember Service on what i had bought for this amount. The can not produce a invoice on what i owe for and when the transaction took place.They asked for additional information from me.I can not give them info on a item they have no info what it is or when it was purchased.They are charging met late payment each month on something they have no info on.I have very accurate records with my dealings with XXXX, and I can not find anything that I owe them. And correct credit card staement. Thank You
Complaint sub-issue: Public record

XXXX XXXX Tax Lien being reported on my Equifax credit report should be removed as it is satisfied and was filed in error over 6 years ago. I have requested Equifax remove this information numerous times but they report that the Lien is valid, even though I have provided a copy of the XXXX XXXX XXXX document showing it is Satisfied.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/19 I was checking my email and immediately saw a email from PNC bank saying that my account was over-drafted in the amount of XXXX cents at XXXX XXXX this morning. So I immediately transferred the funds into my account from my reserves because I have the virtual wallet. Then I went on to realize that I was charged a overdraft fee of XXXX. So immediately I contacted my bank when they opened to see if they would wave the overdraft fee. Mind you that I shouldnt have even been charged a fee because I have overdraft protection and any other time PNC takes the money from my other accounts. There was XXXX in my reserve. But on midnight XX/XX/19 everything went hay wire and then Im told that my fee cant be reversed because I have a bad banking history. Really!!! Which I do not by the way and this was not even my fault!!! Then Im told I have to wait 2 days to talk to someone to resolve this issue!!!! Insane!!!!!!!
Complaint sub-issue: Information belongs to someone else

id theft victim XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2021 {$31000.00} Amount Not my account
Complaint sub-issue: Their investigation did not fix an error on your report

Suddenly I had 2 collection from XXXX XXXX XXXX now theres 7. I contact them they say theres nothing with my name I received mail from them my address someone elses name and I have lived here for 10 years. I dispute with Equifax 7 times each time exactly 3 days later comes back verified but I dont get any documentation that the debt is mine. I am at my wits end because I know its not my debt and no one helps nor do they send me documentation which is my right!
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Was not notified of investigation status or results

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Complaint sub-issue: Fee problem

I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which 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 XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a fraudulent account to XXXX credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that the account is fraudulent. I'm a victim of identity theft.
Complaint sub-issue: Account status incorrect

It has been years and XXXX XXXX and Equifax just hasnt removed this Fraud account for my credit report. It has been ruining my credit for to long and now Im finally going to meet with a lawyer, and I will be reaching out to the FTC as well about this situation.
Complaint sub-issue: Billing problem

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. My loan was processed through Ally. My first year I had no problems. By. XX/XX/XXXX I needed a deferment. XX/XX/XXXX I was deemed 100 % unemployable by the Veteran Affairs. This caused a decrease in my finances. All of a sudden I started getting calls for my nephew XXXX XXXX..then when I called XXXX XXXX was also attaced to my account. I spoke to a rep and she said I had two accounts, yet XXXX was suppose to be mine. We continued discussion the account and we both were very confused. She told me her supervisor was out. Well several days later I called back..this time the supervisor can't remember his name..XXXX..he got real mad with me..actually he was XXXX. He hung up on me and the next morning the car was gone. I called Ally and all they would tell me was how much I had to pay to get it bqck. I went to XXXX XXXX XXXX for help. I paid 2600 plus dollars. I called to see where my car was and they told me I also had to pay for XXXX because my payments are due on the XXXX and I paid on the XXXX. I went and sent what they told me I had to do for XXXX or I couldnt get my car. When I got it it was muddy inside and out..money and dvd player movies amd music missing..as I started driving there was a loud noise. Turned out that one of my tires tread was stripped. Days later I went to check to make sure my account was current. It showed I owed for XXXX. I called, rep told me I hadnt paid for XXXX..I told her how I got my car back..she said I didnt pay enough to cover XXXX. I asked for an english speaking rep..she told me they will tell you the same thing and hung up. This just made me think even more that Ally had 2 different set of people cheating me. I did an online chat and was told I was current and it will be fixed within 24 hours. It was. Then a female called me stating she was in charge of my account..I told her this cant be..I dont want my car taken again. She said none should have repoed your car. Another red flag. She told me to pay 400 plus on line ... the next day I got a lettersaying to send a check. Confused yet again. I sent a l3ttef to Ally and XXXX XXXX called me about my concerns. He told me there was an error and he was going to see if A payment could be added to my account ... then he told me no. I asked him wbout the XXXX that the nasty guy told me that it wasnt expected so they applied it to principal. However XXXX told me the money was from a case I won from cfbp and. the department of justice.RED FLAG. He said the case was closed but he was going to look into it and call me back. For weeks I called him and he never answered. Then I got a copy of a letter Id never seen. Everytime I call or write them about an issue EVERYONE HAS A DIFFERENT LIE. IM suffering enough as it is with my health for them to be making it worse because Im up all night looking out the window to see if the car is gone. Mrs. XXXX at XXXX on XXXX XXXX worked my case and has proof of the inconsistencies with them.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}
Complaint sub-issue: Unexpected increase in interest rate

XX/XX/2021. It came to my attention that my account was late. I called usbank cc company immediately and learned that my monthly payment had increased. It had increased by {$1.00} more than I had set up my automatic payment from my checking account to draft. For this, usbank charged {$28.00} and added it to my account balance, further increasing my monthly payment. Several months went by, each time the balance increasing because they kept adding on {$40.00} late fees. By the time I found out this was happening, I owed {$230.00}. I called usbank and fixed it immediately. The cc company reversed the late fees and I paid the amount owed immediately. There was no intimation that they would report me as late. On XX/XX/XXXX, I found out that a late payment remark was sent to my credit reporting bureau. I have never had a late payment in my life. I am XXXX years old. My credit score was dropped 40 points. This seems highly punitive. The bank says they are legally obligated to report due to the 'fair credit reporting act '. How is this fair?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

See list of inquiries on my credit that I did not authorize and I know nothing about.

XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint
Complaint sub-issue: Information belongs to someone else

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, Equifax, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I would like to thank you for your time to review my complaint about my horrible experience with CITI customer service XXXX XXXX representative providing wrongful information to me. My name is XXXX XXXX, I called CITI bank to ask about the dividend card that my grandfather loved and to see if I can pre-qualify since I didnt wanted more hard inquires since Im planning to buy a house next year. The represented informed me that the dividend card is not available anymore and that are better options. And he fallowed by informed me about the Citi ThankYou Preferred Card and the Citi Double Cash and wish I wanted the preferred and we went on to talk about pre approval. And he told me to apply for a secured card and call in so we can do a product change ones I had the card. So I did, and called after everything and then I was told I had to wait for 18 moth for a product change for a secured card to the preferred card. So I talk to a supervisor that told me I was getting a call back in 48h and nothing social media ... same response and nothing so I called again and was giving a fax number.. So I send a fax and nothing.. So Im sending this by mail. My information contact information is bellow and a copy of my drivers license is included. Even though there are other choices available in the market, I prefer to be CITI since is something that my grandfather always used your rewards program and love it. I kindly request you to review my case and get in contact with me and expect a positive outcome so I can enjoy banking with Citi and we grow together.
Complaint sub-issue: Information belongs to someone else

Please delete this fraudulent bankruptcy from my lexis nexis credit report. This bankruptcy is unverifiable and under FCRA section 609 if a  bankruptcy can not be verified pit must be deleted. I have filed a police report, ftc complaint, attorney general office, XXXX  and XXXX   have removed the bankruptcy, but remains on lexis nexis. 

Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.
Complaint sub-issue: Problem getting your free annual credit report

Tried to PULL my free credit and was able to get 2 of the 3 but Equifax is blocking me when I answered all the questions correctly. They are intentionally forcing me to send them a letter with copies of my ID as a way to slow the process down because they may be reporting false information against me. When I do a XXXX search many people have complained about this. This company is hiding something and I am demanding that I geet a copy of my credit report and immediately online access.
Complaint sub-issue: Old information reappears or never goes away

I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores
Complaint sub-issue: Their investigation did not fix an error on your report

I have been asking EQUIFAX for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ) I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! ALLEGED DEROGATORY ISSUE : Provider Claims Late Payment not yet proven.I would like to see proof these accounts belong to me ATTACHED TO THIS COMPLAINT.THEY ARE NOW IN CONTRACT WITH ME AN IF THEY CONTINUE TO REPORT THESE ACCOUNTS THEY NEED TO PAY ME.I HAVE ATTACHED PROOF NONE OF THESE COMPANIES IS LISTED ON A UCC11 AS A LIEN HOLDER.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX