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

There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.
Complaint sub-issue: Information belongs to someone else

I Have Been A Victim of Identity Theft. I did Authorize these Accounts. They are Fraud
Complaint sub-issue: Information belongs to someone else

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXl Account # XXXX {$350.00} XXXX  Account # XXXX {$2800.00} XXXX XXXX XXXX # XXXX {$25000.00} UNKNOWN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, XXXX, and Equifax credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with Spectrum was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, XXXX, and Equifax credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries on my FTC report. Please block and remove.
Complaint sub-issue: Talked to a third party about my debt

Discover Financial Services has reported some negative marks on my Credit Report and is not presenting me with some option to resolve this problem.
Complaint sub-issue: Application denied

My application was denied for the AAdvantage Platinum Select card, and I would like my application reconsidered. I have contacted Citi and they seem to say that they are unable to overturn applications, which I find hard to believe. The only reason for denial is Limited credit history. However, the rest of my credit is phenomenal and I dont believe over one year of credit history is limited.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem with personal statement of dispute

I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.
Complaint sub-issue: Debt is not yours

AFNI, INC. is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.
Complaint sub-issue: Didn't receive enough information to verify debt

I received multiple calls from Jefferson Capital to attempt an alleged debt. I never received any written information about disputing an alleged debt after initial communication via phone. I then took action to dispute the third party debt collection agency. I requested that Jefferson Capital to stop communication via phone by sending a Cease and Desist letter via certified mail. I also requested that the third party collection agency send me any information pertaining to the alleged debt. They received the certified mail on XX/XX/2021. I have yet to receive any documentation for the account. I received four additional phone calls after they received the Cease and Desist letter from Jefferson capital.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act, XXXX, Equifax XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX XXXX XXXX cancel my trip, schedule to depart on XX/XX/XXXX from XXXX, FL to XXXX due to the Coronavirus pandemic and I do not have a full refund. 
Below is the sequence of events that led me to submit a dispute for {$680.00} On XX/XX/XXXX, I book a cruise from XXXX, USA to XXXX, XXXX, sailing on XX/XX/XXXX on the XXXX XXXX XXXX XXXX confirmation # XXXX thru my Travel Agent XXXX   XXXX XXXX ( Ph # XXXX ) Paying at that time {$900.00}. A second payment for the balance of the cruise was pay on XX/XX/XXXX for the amount of {$750.00}. A third payment for transportation from XXXX to XXXX XXXX, XXXX was pay on XX/XX/XXXX for the amount {$59.00}. The total amount for the cruise comes to {$1700.00} including taxes and fees for {$210.00}. 
On XX/XX/XXXX XXXX XXXX XXXX releases a communication that they cancel the sailings between XX/XX/XXXX and XX/XX/XXXX due to the Corona virus. This announcement makes me pay more attention on my incoming trip. 
On XX/XX/XXXX XXXX close all the Ports to cruise ships On XX/XX/XXXX XXXX XXXX XXXX. Communicate in a Press Release that cancel the sailings till XX/XX/XXXX. 
Because my cruise sailing XX/XX/XXXX was cancel, I read THE TICKET CONTRACT and in SECTION 6, CANCELLATION, DEVIATION OR SUBSTITUTION BY CARRIER PARAGRAPH i, establish, that passenger shall have a right to a full refund of the Cruise Fare if the Cruise is canceled in full, or a partial refund if the cruise is terminated early. 
I call XXXX XXXX XXXX. to ask what to do next, and they told me that have to call my Travel Agent and they will take care the refund and so I did. 
I call my Travel Agent ; explain the situation and he said to me that he has to call XXXX XXXX XXXX. to find out what to do. He calls me the next day and explains to me that he has to cancel the cruise and require the refund to XXXX XXXX XXXX. and I will receive in one week, it looks according with XXXX XXXX XXXX. that this was done on XX/XX/XXXX. 
Since I did not receive the refund I call my travel agent and they told me that coming from XXXX XXXX and I have to talk to them, that XXXX XXXX is responsible for the refund. I call them several times and they do no connect me to the customer service dep I call my Citicard to dispute the charges. I have been a Citicard member for several years and the only time I use their customer service for the right reason I have encountered the worst and most unprofessional dispute department. I get a credit of {$1000.00} and Citicard for no reason on XX/XX/XXXX give XXXX XXXX {$680.00}. An alarming number of people are complaining about their Citi credit card accounts according with XXXX XXXX on XX/XX/XXXX that let me think that something is not right here. The complaints referenced in the Consumer Financial Protection Bureau database, include those related to merchant disputes.
Complaint sub-issue: Debt was result of identity theft

Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report
Complaint sub-issue: Billing problem

Wanted to pay off {$4000.00} towards my auto loan. The problem with PNCs website is that it doesnt allows you to pay the amount towards principal only. So I called their customer service ( around XXXX   XXXX ). The lady over the phone tells me that now theres a checkmark on the payments webpage of their website that lets you pay towards the principal only. I hung up only to find out theres no such option. Called back again and another lady tells me the same. I stay with her on the phone asking her to navigate me but she fails to find that option. So on two occasions, they gave incorrect information to the customer. Now comes another interesting part. I visited a branch on XXXX XXXX to try to accomplish what I was trying for. Around XXXX, a male and female banker were in the bank. I clearly tell the male banker that I would like to pay {$4000.00} towards my auto load principal amount only, explaining him that it didnt happen few months ago when I visited the branch and had to call in to fix the issue. The Banker says no problem, thats what I did. I again asked for a confirmation with my wife standing next to me and this banker seems way too confident and said it should have been applied to the principal only. Next day, I login to my account and see that a portion of the money was applied to interest. Incredible! This bank needs to shut down for sure. I have another complaint opened up against them and I havent heard back. I will call now to get rid of that interest amount. Why would someone pay {$4000.00} towards the remaining {$5600.00} loan and ask for it to be applied to interest as well is beyond my scope of understanding. This is clear case of giving false information to the customer and deceiving.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act online information services account # XXXX, XXXX credit c account # 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies. 
Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file. 

When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.
Complaint sub-issue: Information belongs to someone else

I have got to the fact where I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in you there at Equifax have no time to wrestle or analyse my complaints. Im attaching again the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

This complaint is regarding XXXX. In XX/XX/XXXX, I observed several discrepancies regarding payment counts on my student loans. The payment count is very important, since I am doing the PSLF loan forgiveness program, which requires a total count of 120 payments. There are several discrepancies including : ( 1 ) I believe that the total count overall is too low, ( 2 ) the count for subsidized vs unsubsidized loans differs even though both are paid at the time time via direct deposit, and ( 3 ) I was apparently put into Paid-Ahead status against my will and XXXX is now claiming that those payments do not count, despite my asking that Paid-Ahead status be removed and my payments be recounted. 

In XX/XX/XXXX, I formally requested a formal Payment Recount through XXXX XXXX. By XX/XX/XXXX, that recount had still not been completed. I sent a request in XX/XX/XXXX again asking that the recount be performed. In XXXX of XXXX, I received the following message from XXXX,  stating that they are " not yet able '' to provide me with the total number of qualifying payments. 

Transcript is below : -- -- - " Thank you for contacting XXXX   XXXX! 


We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. 


We will notify you via letter once the review has been completed. 


Please use the " Contact Us '' link through your online account at XXXX  to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). 



Sincerely, XXXX XXXX XXXX >> Original Message ... 

>> Message : Hello, >> >> >> I formally requested a recount of my PSLF payments back in XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received that recount. Of note, the main concern is that I was put into Paid Ahead Status, and that it was not my INTENT to be in Paid Ahead Status, and this has thrown off my payment counts. 
>> >> >> Could you kindly respond and let me know when I can expect to have my PSLF payment recount completed? 
>> >> >> Many thanks, >> ''
Complaint sub-issue: Company closed your account

I logged into my Cash app and was notified my account was closed d/t activity that goes against terms of service. I never did anything that made me think I violated that. I reached out to them via email and was never responded to and tried chatting to no avail. I also called but they wouldn't give me any information as to why my account was closed.
Complaint sub-issue: Information belongs to someone else

I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.
Complaint sub-issue: Called before 8am or after 9pm

Despite instructions from our daughter ( we're co-signers on her loan ) AND being told we were on the West Coast, XXXX called us at XXXX PST on XX/XX/XXXX. 

Then, despite my daughter working out a repayment plan, verified MULTIPLE times as " acceptable '', the systems at Sallie Mae continue to mark the loans as Past Due and send repeated harassing emails. XXXX just told me ( XXXX PST XX/XX/XXXX ) that " until the payment is processed, " the system '' will continue to send emails.
Complaint sub-issue: Information belongs to someone else

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

I have a debt that I owed to a company called the Check Cashing Store. They have sold my personal information to various debt collection companies and now I am getting calls from somewhere named XXXX. The phone number they call me from is ( XXXX ) XXXX. They call me constantly I had to block them and they leave me abusive voicemails stating they will get my job involved. They threaten me and have harassing tones. This needs to stop!