Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of XXXX XXXX XXXX, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of XXXX XXXX XXXX. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and Equifax  . On the Equifax credit report, I again see the fraudulent XXXX XXXX XXXX account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both XXXX XXXX XXXX and Equifax failed to adhere. 
According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both Equifax and XXXX XXXX XXXX have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, XXXX XXXX XXXX violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.
Complaint sub-issue: Problem with balance transfer

In July/XX/XX/2018 I requested a balance transfer of XXXX to XXXX XXXX. It was never processed. However, they keep charging the {$450.00} plus interest. XXXX XXXX purchased my account after the transaction and has been very uncooperative refusing to verify if the {$450.00} check has been cashed. Still charging me the {$450.00} plus interest
Complaint sub-issue: Account information incorrect

My compliant is against all 3 Credit bureaus, XXXX, XXXX and Equifax. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have spoken with Best Buy Credit Card department several times regarding unauthorized charges on my account. I disputed it and send them back the sign documents and the charges have now been put back on the account with late fees and interest fees. Also the $ 800+ interest charge I was hit by because of this unauthorized has still not been removed. Best Buy is unlawfully charging me interest charge and fees as well for no reason.
Complaint sub-issue: Can't decrease my monthly payments

I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help!
Complaint sub-issue: Debt was result of identity theft

I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.
Complaint sub-issue: Didn't receive notice of right to dispute

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT AFNI INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Information belongs to someone else

THERE ARE 3 STUDENT LOANS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME I HAVE REACHED OUT TO EQUIFAX BUT HAVE RECEIEVED NOTHING BACK FROM THEM I NEED THESE OFF MY CREDIT ASAP Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Noticed several unauthorized inquiries on my report.
Complaint sub-issue: Didn't receive advertised or promotional terms

I enrolled a merchant offer for XXXX gas purchase in my Citi Dividend credit card in XXXX. It offered a {$10.00} back on a $ XXXX purchase at XXXX and the offer expiration date is XX/XX/XXXX. I made the purchase on XX/XX/XXXX and the transaction was posted on XX/XX/XXXX. I didnt get the offer bonus for the qualified transaction and the offer disappeared from either Enrolled or Redeemed in my account ( while I had a similar merchant offer for XXXX XXXX  XXXX purchase, it showed as Redeemed after the expiration date ). I tried to reach the Citi customer service either via online chat or phone. No one was able to explain why the offer disappeared from my account even I had an eligible purchase. In the attached document, you can see the offer was added to my account, with an expiration date on XX/XX/XXXX ( print screen on XX/XX/XXXX and offer expires in 11 days ). Another picture showed the purchase was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. A chat history is also provided, showing the Citi customer service representatives explanation that offer expired on the start of XX/XX/XXXX and my transaction was posted after the offer expires ( dialogues highlighted in the document ). This explanation makes no sense to me. I already spent a few hours with the Citi customer service and they refused to honor the {$10.00} credit, as advertised. I dont think Citi is willing to resolve the issue.
Complaint sub-issue: Fee problem

I noticed monthly fees were charged on my account since XX/XX/2019. I went to PNC branch located in XXXX XXXX XXXX XXXX spoke to the banking associate. I was told the monthly fee was charged because my account was not link properly. My current monthly total balance is over the requirement. She mentioned she will consult with the branch manager and have the manger give me a call back on the same day. I did not receive the call and contact the branch manager the next day. The branch manager was not aware of the call back request. After explaining the situation the branch manager escalated the issue to the retail management team. 

I just received the call from XXXX XXXX from the retail management team today. She explained to me that since my checking account was in the inactive status so it does not count toward the total balance. I further question if PNC ever notified me about the inactive status. She looked into the notification further and told me there was no notice ever send out to me. I do not agree that my account should be remove from the package if it is in the inactive status and this information was never disclosed. She agreed to refund 6 of the total 16 charges. The most recent charge was on the day i visit the branch trying to have the issue resolved. There system limitation cased my account to have another additional monthly charge when I am trying to resolve the issue. This clearly is an issue and I am sure there are more PNC consumers might be affective about this unfair practice. 

They are required to send me inactive notice per state requirement and can't cease accrual of any benefits which is not counting the balance toward the total requirement to avoid monthly fees.
Complaint sub-issue: Reporting company used your report improperly

This is new and relevant information about my ongoing dispute with XXXX XXXX. I was a victim of identity theft which resulted in fraudulent accounts being opened on my behalf. I filed a FTC report and I sent XXXX XXXX the Identity Theft packet. I have requested that the Cease and Desist communication with me which include all mediums such as reporting to my credit bureau. I am a federally protected consumer and XXXX XXXX is violating my consumer rights under the FDCPA still contacting me sending me bills, requesting payments and reporting a fraudulent account to my credit file. They are also violating the FCRA, permissible purposes. It is my right to decide what I want reported on my credit file. I never gave XXXX XXXX permission to report anything on my behalf. I demand that they stop all reporting to all CRA 's and remove the accounts.
Complaint sub-issue: Having problems with customer service

My name is XXXX. I have called and written countless letters to both XXXX ( Only 2 that 's showing ) about this issue of Someone else ( Ex wife ) School loans.. I had No knowledge this was even on my Credit history and I have NEVER Co-signed or agreed to pay {$30000.00} of her school loans ... .Through my investigation prior to XXXX XXXX did not show Me : XXXX of owing any school loans, which is Correct! The young lady that I spoke with said and I quote : '' I see what you 're saying XXXX, This Loan is from XX/XX/XXXX for a XXXX ( Now XXXX ) Your name does n't show up on her ( This ) acct until XX/XX/XXXX " .. I have done everything that I know to do.. She had to have forged my signature on paper or electronically on or before XX/XX/XXXX Per : Representative My information shows up on XX/XX/XXXX .... I would 've never known the month of XXXX if the Representative I was talking to did n't tell me .. I want and need all of my information attached to XXXX school loans removed and off of my credit.. I need HELP! I desperately need help.. This problem is hunting and hindering me .. Please somebody, anybody Help me.. I have Documents showing my signature if need be, if that 's needed to compare the two signatures ( Her forging my signature, if it was forged on paper ) I do n't know what else to do..Thanks in advance Sincerely XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible.
Complaint sub-issue: Account status incorrect

This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. XXXX was provided with a letter I received from Greensky stating the loan was paid. I also have proof showing Greensky was who deducted the FULL payment from my bank account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of XXXX then proceeded to do extensive research on what I should do concerning being a victim of Identity fraud. I read the FCRA extensively concerning my rights and I came across 605B of the FCRA Which states my rights as an Identity theft victim. I then contacted my local Police Department and filed a report. 

On XXXX I sent Equifax a letter with my police report as instructed from the FCRA concerning the identity fraud. 

On XXXX I received a letter from Equifax stating that the would block the fraudulent information and that they would investigate for an additional 30 days and keeping the Erroneous information on my credit report pending Investigation. Bad enough that I'm a victim of identity fraud and now I have to have Fraudulent information remain on my account for an additional 30 days.
Complaint sub-issue: Information belongs to someone else

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail Equifax, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Complaint sub-issue: Information belongs to someone else

I lived with XXXX XXXX back in XX/XX/2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to XXXX XXXX credit card company. Thank you XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have an account with Macy 's Department Store for approximately 7 years and have never been late in 7 years. Macy 's cancelled my auto pay in or about late XX/XX/XXXX to XX/XX/XXXX. I did not make that request to cancel my autopay. Macy took it upon themselves to cancel my Auto Pay and failed to notify me. Macy 's also failed to notify me that my account was reaching 30 days late. When I contacted Macy 's, the representative told me that they are not obligated to inform me of such. I've always had my account on auto pay to avoid ever making a late payment. There was always money into my account to cover all payments, so I was never concern about ever getting a late payment because of my auto payment for the past 7 years. 

I have reached out to XXXX to dispute the errors Macy 's place on my account and Macy 's confirmed with XXXX that the error was correct. 

On XX/XX/XXXX, at XXXX pm, I called Macy 's to get information on my account. Macy 's account representative refused to give me any information, refused to provide me with an email or phone number to contact that department and was very rude. Once again, another Macy 's representative told me that Macy 's is not obligated to inform me about anything regarding my Macys account. Macy 's flagged my name in the system to speak with me regarding my active account. Macy 's is retaliating because I exercise my right to file a complaint.

Macy 's claim that they tried to withdraw the money from my account, and it didn't go through. According to my bank statement, the account had sufficient funds to cover the amount Macy 's claimed to attempt to withdrew.

Macys Credit Card is the worst along with their customer service. Macys incompetent system ruined my credit score because of their error. 

Macys has failed to reverse the erroneous report and has damaged my credit score from around XXXX to XXXX. Macy 's is responsible for the damages done to my credit report.
Complaint sub-issue: Debt was paid

This debt was paid in full over the phone by credit card in XXXX of XXXX. I am still receiving collection attempt letters that are becoming harassment and this account has not been removed from my credit report and is negatively affecting my credit.
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 {$6000.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

IC Systems has been allowed to report negatively on my credit report, weekly since XX/XX/XXXX. Once I noticed how often each occurrence, I disputed each action with XX/XX/XXXX. Each action was corrected ; however, they are still allowed to report within a week of filing reporting negatively on a debt owed on my credit with one week of the first. Their reporting dates are as follows : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is excessive flagging my credit with three corrections made fromXX/XX/XXXX. I am not disputing the debt, but I am fighting for my rights u see FCRA flagging an my credit report excessively in three months.
Complaint sub-issue: Account information incorrect

I am a victim of identity theft and did not make these charges. I ask that you delete this information listed in the FTC report. I've reported the theft of my identity to the Federal Trade Commission and enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove this information immediately to correct my credit report. Thank you for your time andconsideration.
Complaint sub-issue: Account information incorrect

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Complaint sub-issue: Can't get flexible payment options

I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB and Equifax I did not get an answer the question { about why you Equifax was sending Disputes In general to XXXX } in their response they go around the question and never answered it again I request an answer to the Question XXXX how can a case be closed with NO answer please reopen this case
Complaint sub-issue: Was not notified of investigation status or results

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Complaint sub-issue: Billing dispute for services

My service was canceled for nonpayment and equipment fee of {$400.00} was added to my bill which no avenue was made for me to mail the non functioning equipment