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

This is a complaint against LendingClub, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Complaint sub-issue: Reporting company used your report improperly

Under 28 USC 3002, Section 15 ; I'm invoking my specified remedy as a Federal Corporation member of the United States as the original creditor/consumer. I'm also invoking my remedy under 1602 USC ( G ) ( J ) my rights to " MY '' open ending credit plan. These creditors has violated my rights under 15 USC 1681 ( a ), Section 602 ( A ) ( 4 ) respect for the consumer 's right to privacy. They are as follow : 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: Trouble using the card to spend money in a store or online

I purchased a XXXX XXXX XXXX at a XXXX grocery store on XX/XX/21 with a preloaded balance of {$50.00}. On XX/XX/21 I opened the gift card and registered it online at XXXX, however when I attempted to make an online purchase the card was declined. I called the telephone number on the back of the gift card XXXX and spoke with 3 different representatives who all advised that the card was placed on hold for fraudulent activity that occurred on XX/XX/21 which was prior to my purchase of the card. The company offered to mail a new gift card within 5-7 business days, but could not guarantee that the new card would not be flagged for fraudulent activity. I requested the company refund me the {$50.00} and I was informed that the money is still there, but I would not be able to access it because the card has been flagged. All 3 representatives refused to transfer me to a supervisor after multiple requests and eventually hung-up on me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX  because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Complaint sub-issue: Was not notified of investigation status or results

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I certified mailed a letter informing XXXX, Equifax, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your FTC Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.
Complaint sub-issue: Information belongs to someone else

An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by me.
Complaint sub-issue: Didn't receive enough information to verify debt

My loan servicer is FedLoan Servicer and I have been working toward PSLF since XXXX. With the waiver from XX/XX/XXXX, payment I submitted prior to XXXX should count, so I have sent them additional proof of employment. 

I recently consolidated all of my loans so that all would be eligible for forgiveness. I received a letter from FedLoan that erroneously informed me that if I went forward with the consolidation I would lose all the history of payments since XXXX and that I would have to start over and make an additional 120 payments. This is untrue under the temporary waiver. The letter also referenced the waiver so it indicates that they are working under the waiver. 

This statement is untrue and it is clearly addressed in the Studentaid.gov website. The " warning '' that I will be restarting my payment clocks is very worrisome and anxiety provoking. My two options are : 1. Carry on with the consolidation based on what the studentaid website says, even though it is really scary to risk re-starting my loan counts. In effect I have to trust that I know more than they do; or 2. I cancel the consolidation which then means a portion of my loans ( about 20 % of what is owed ) is not eligible for forgiveness. If I were to follow the instructions from FedLoan I would not be receiving the full forgiveness that the waiver is for.

FedLoan Servicing is communicating incorrect information either unknowingly or knowingly.
Complaint sub-issue: Can't get other flexible options for repaying your loan

{$21.00}, XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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: Overdrafts and overdraft fees

On XX/XX/2021 my checking account was overdrawn. Despite previously enrolling into overdraft protection and notifications I was neither notified nor protected. My wife told me the following morning that at XXXX she received a notification of overdraft on the account. At XXXX I funded the account from a money market account. PNC charged a {$36.00} overdraft fee. I called and upon talking to a customer service representative who informed me PNC could not remove the fee. This is contrary to 1. the account being funded within 24 hours per the advertised " low cash mode '' https : //www.pnc.com/en/personal-banking/banking/services/low-cash-mode.html available for PNC XXXX XXXX customers and 2. the financial institution incorrectly showing I did not enroll in overdraft protection which would have mitigated this issue.
Complaint sub-issue: Account information incorrect

Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done
Complaint sub-issue: Investigation took more than 30 days

On XXXX I disputed the following items with Equifax online ( XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX # XXXX. I was then given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I disputed the following items with Equifax online : XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, and XXXX  # XXXX, and XXXX  # XXXX. I was given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I went online to submit another dispute of erroneous information to found that the accounts I disputed back in XXXX XXXX and XXXX XXXX were still listed as under investigation. When I clicked on the " dispute not available button ''. it stated the account was still under investigation. See document enclosed confirming this.

I then checked the dispute status on both and confirmed with Equifax that these disputes had been completed XX/XX/20 and XX/XX/20. See dispute status enclosed. 

it appears that the accounts I disputed had been completed. However, Equifax has the accounts listed as still under investigation. This is a violation of the FCRA and my consumer rights. As they stated the disputes are to be completed within 30-45 days. it is well past that time and they have confirmed the disputes are complete. Whys are these accounts still listed as under investigation? Due to the fact that they failed to list the accounts in the correct status on my report- I request deletion of all accounts listed and included in this complaint. Failure to correct my report will result in civil litigation with a consumer attorney if not resolved expeditiously.
Complaint sub-issue: Information belongs to someone else

I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX associates XXXX XXXX XXXX Funding XXXX XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Complaint sub-issue: Debt is not yours

Today I received a letter from MRS BPO , LLC claiming I owed {$370.00} to XXXX XXXX XXXX XXXX. I owe no such debt.
Complaint sub-issue: Their investigation did not fix an error on your report

The following items are incorrectly reporting on my credit file : XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax ) ; Bal : XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Last year I purchased exercise equipment from Sears. The salesman told me that I would get 6 month of interest free if I applied for a Sears credit card and used it for the purchase, so I did. I paid the credit card off in full within six months but I was still charged interest. This year I purchased tools from Sears and the Salesman said I could get the same offer ( 6 months interest free ) if I used my Sears credit card. Both purchases met the dollar requirement to receive this offer. I am currently being charged 26.74 % interest on the tools I purchased. I called the number on my statement ( XXXX ) and spoke with a Citi Bank Mastercard representative. She told me that they don't have that promotion and there was nothing she could do. I would consider this a UDAAP violation.
Complaint sub-issue: Problem getting my free annual report

I am unable to get my free annual credit report from Equifax
Complaint sub-issue: Information is missing that should be on the report

After paying down credit cards, my credit score was lowered XXXX points when I was advised it would improve my score.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, Equifax received a request to reinvestigate accounts based on results received from a previous dispute on XX/XX/XXXX. 

I asked Equifax to provide the names, phone numbers and business addresses of each individual with whom you verified the above accounts and the exact description of the procedure used to verify the accounts. According to 15 USC 1681i, Equifax is required to provide the description within 15 days after receiving the request. Equifax did not fulfill this requirement.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Additionally, Equifax did not complete the investigation within the 30 day period as required by law.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Can't temporarily postpone payments

I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam.
Complaint sub-issue: Debt was paid

XXXX  saying that I owe them XXXX. I payed my bill and turned in the equipment the same day after I told them I no longer need there service. The equipment was checked in I got a receipt for it but it was listed in the total lost of my vehicle that day. I have by bank statement stating that the money was withdrawn for my account. I told them that an they are same it wasn't payed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Equifax, XXXXXXXX XXXX Account # XXXX - XXXX XXXXXXXX XXXX  Account # XXXX - XXXX XXXX XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX USDEPTOFED/XXXX Account XXXX XXXX XXXX XXXX USDEPTOFED/XXXX  Account # XXXX - XXXX XXXX Account XXXX XXXX - Equifax DP OF EDUC Account # XXXX - Equifax DP OF EDUC Account # XXXX - Equifax XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I viewed a recent credit report and identifies inquiries in my report that were not authorized by me and was requested fraudently. 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: Received bad information about your loan

i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have contacted the company : XXXX  XXXX on several occasions. Three times in XXXX, and once today XX/XX/2019. I explained to them that I was terminated from my job a couple of months ago due to discrimination/wrongful termination, and I asked them to please come by and pick up their furniture, which is a rent to own type of contract. I have also explained to them that I can barely make my rent payment because I am currently unemployed, and I have been now for over two months. I also told them that I do not want to have my credit damaged any further by them reporting my late payments due to my hardship situation. They don't listen, they haven't done a thing about it at all. I have begged them to come and retrieve their property so that any further payments can stop, and all that I would be required to pay is the rental amount up until this date. All that they tell me is that I must first bring my account current before I can have the property recovered. I have told them time and again that I simply don't have the money due to my current situation, and they don't care at all. Meanwhile they keep damaging what was impeccable credit, and they won't do anything to work with me considering my valid hardship situation. I have even asked to speak to a supervisor regarding this, and they refuse to allow me to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.
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 account 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 account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.