Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to Equifax and The Internal Revenue Service my personal information was exposed in both of their data breaches. Equifax, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Complaint sub-issue: Debt is not yours

PROGRESSIVE MANAGEMENT S I XXXX XXXX do not have an affiliation with this company. I do not have anything signing to a binding contract with PROGRESSIVE MANAGEMENT S. They have over 8 reportings with my information on it. 

They refuse to remove this from all three agencies. I want them to send me PROOF I have a debt owed to them Show me the signed required documents that I XXXX XXXX owe them a debt If not I demand they remove all trans actions damaging my credit which is underlined in law when requested
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!
Complaint sub-issue: Can't temporarily postpone payments

I have XXXX private loans with Discover Student Loans, I am scheduled to go on XXXX leave next month, and will be on leave for XXXX weeks. I asked that my payments be temporarily placed on deferment due to the change in my pay. Unfortunately, I was told there were no options to be offered. That I would continue to be responsible for the monthly payments. I have consistently made my payments on time for the last six years. This situation will create an unnecessary burden and stress to an already difficult situation. DSL failed to provide any options and their customer service was subpar. I have never encountered such an impossible situation with a lender. This is an extremely difficult lender to deal with. My experience with them has been plagued with issues.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a bill from XXXX XXXX XXXX dated XX/XX/XXXX of 2021 about a collection notice. I contacted them via by phone call to settle the debt. I requested that they send me a verification letter in the mail to verify that this account is in fact mine. They refused to send me any kind of documentation besides the bill. I also requested a debt settlement letter on XX/XX/XXXX of 2021 have received no response from them. I asked for verification and I have yet to receive said letter in the mail. The collection agency continues to charge interest fees and reports it to the Credit Bureau. I have tried contacting them to settle the debt but they refuse to take any kind of payment via mail or by phone call. When I do contact them by phone, they belittle and use obscene language.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted immediately.
Complaint sub-issue: Information belongs to someone else

Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2019 FEDLOAN SERVICE # XXXX ADD A DEROGATORY MARK IN MY CREDIT REPORT AT XXXX UPON FURTHER RESEARCH THIS ACCOUNTWAS TRANSFERRED/HOLD AND I AM NOT LONGER RESPONSIBLE FOR THE ACCOUNT, DEBITORS CREDIT DID NOT VERIFY THIS COLLECTION. ALSO THERE'S WAS NOT WRITTEN FORM OF COMMUNICATION CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA FEDLOAN SERVICE HAS VIOLATE MY RIGHTS AS A CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT INMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : SALLIE MAE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my children.
Complaint sub-issue: No notice of investigation status/result

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, Equifax, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remains when XXXX shows I do not owe them and the balance was resolved. XXXX die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Complaint sub-issue: Transaction was not authorized

I have had a checking account at Citibank for more than 2 years. In XX/XX/2021, I made a transaction through citibank with XXXX, an agency managed by XXXX. in less than an hour cancel the transaction. XXXX never reimburses me part of the money. I made the claim with them without results. They never responded. They tell me the money was refunded and they didn't send me a refund receipt. Then I started the claim with citibank and even to date I have only been able to recover only half of the missing amount. citibank asks me for documents that I have repeatedly sent them. and they don't give me my money back. I don't know where my money is and nobody knows where it is. What else can I do?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under XXXXMy Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX Equifax Global Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXX XXXX  and XXXX XXXX  ET, Mon-Fri ; XXXX XXXX  and XXXX XXXX  ET, XXXX.
Complaint sub-issue: Other problem getting your report or credit score

When trying to remove a freeze on my Equifax credit report, I am unable to access my report. My online account on myEquifax appears to be locked out and is inaccessible. When calling Equifax, they are unable to locate my account via SSN, address, name, or phone number. They suggested faxing in the request to remove the freeze along with a copy of my license and SSN card, which I did on XX/XX/XXXX, to no avail. After calling back to check, they are still unable to find any account for me. 

I have several previous lines of credit, including a mortgage and car loan, and never had any trouble accessing Equifax in the past to place or remove a freeze. Since Equifax is unable/unwilling to unlock the freeze, I can not apply for further lines of credit with lenders who pull Equifax reports. I would appreciate help getting Equifax to resolve this issue promptly.
Complaint sub-issue: Account status incorrect

the late on my macys account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you
Complaint sub-issue: Debt is not mine

This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt
Complaint sub-issue: Problem with personal statement of dispute

I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.
Complaint sub-issue: Reporting company used your report improperly

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 purpose
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act Convergent Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of ed/XXXX Account # XXXX, Account Name XXXX XXXX XXXX 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: Account information incorrect

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments.
Complaint sub-issue: Information belongs to someone else

{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Complaint sub-issue: Account information incorrect

XXXX and Equifax are reporting factual errors on my credit report from Company XXXXXXXX  account # XXXX XXXX and Equifax are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.
Complaint sub-issue: Account information incorrect

they reporig a a late payment pass 30 days not rite
Complaint sub-issue: Their investigation did not fix an error on your report

Someone got a car in my name from the SAME company I have a car with now. I found out they opened this account before I got my car so I 1st of all don't understand how I was even able to open an account when the person who stole my identity was already in default in the car they had in my name with the SAME company. Also after having this company send me the contract and paperwork it isn't even MY social the person used. They used my address, date of birth, and name but a TOTALLY different social. HOW is that even possible? I filed a police report and an identity theft report and disputed it with all 3 bureaus. XXXX and XXXX deleted it IMMEDIATELY so they CLEARLY did their research and seen it isn't even under MY SOCIAL. Equifax deleted it as well and then a month later ADDED IT BACK which makes NO SENSE to me and has me LIVID. I have 3 auto loans on my credit report that are all in GOOD standing and never been late. This is not even something that I would do and should not be held liable for something someone put in my name and a different social. It obviously wasn't me if the social is incorrect and it should be the company 's fault for even opening an account in my name but a different social.
Complaint sub-issue: Problem making or receiving payments

ISSUE - DEPOSIT MISSING. 
AMOUNT- {$5000.00}. 
DEPOSIT DATE- XX/XX/XXXX XXXX DEPOSIT REVERSE -XXXX XXXX. 
ACTION TAKEN - 6 TIMES RESEARCH DONE BY THE BANK WITH RESULT. 

WENT TO THE BANK IN PERSON AND EXPLAIN EVERYTHING, THEY ACCEPTED THE MISTAK AND DID THE RESERACH AGAIN BUT SAME RESULT NO ANSWER. 
THEY SENT MY BANK STATMENT WITH NO ANSWER.
Complaint sub-issue: Investigation took more than 30 days

I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.
Complaint sub-issue: Debt is not yours

I checked my credit report and noticed that XXXX XXXX reported an unpaid debt that was not owed by me. XXXX XXXX reported an unpaid debt that was not made by me. I sent a letter out to the collection agency that is holding the unpaid debt ( XXXX XXXX ) on XX/X/2017 asking them to verify and validate all info stating that the debt was mine within 30 days. I never recieved a response.
Complaint sub-issue: Can't get flexible payment options

I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.
Complaint sub-issue: Account opened as a result of fraud

I received a phone call from someone who was impersonating a Cit bank representative on XX/XX/2022. They told me that I had suspicious activity on my account. 

When I looked I saw that there was suspicious activity and they told me they could help me to resolve this. 

Then the hackers created two fraudulent accounts under my name and moved money into those accounts as well as transferred money out of my account into XXXX accounts in the amounts of : - XXXX to someone by the name of XXXX XXXX - XXXX to XXXX XXXX XXXX to XXXX XXXX - XXXX to XXXX XXXX I do not know these names or who these people are. 

As soon as I realized this was fraud, I submitted claims with Citi bank ( on XX/XX/2022 ) and since received a response that Citi is unable to honor my request for reimbursement because the online credentials were required to perform the transfers and the activity appears to be consistent with my normal banking activities. 

That is not true. I have never opened another checking account nor do I ever use XXXX for any transactions. 

I re-opened my claims to dispute on XX/XX/2022. 

I filed a police report on XX/XX/2022. As soon as I can get a copy of that I will submit that here.
Complaint sub-issue: Information belongs to someone else

Hello I ask you to pay attention to these fake accounts and figure out their origins because I do not know these accounts and they are not mine. 

Please take a look : XXXX XXXX XXXX I want you to investigate and apply proper action in order to remove them from my profile Thank you
Complaint sub-issue: Problem getting a working replacement card

Yes I tried for months to get my card unblocked and address change. I did infact get up to the higher reps who sent me a letter to a address i dont even live at anymore. Today they did after months of trying to get my card unblocked sent the letter to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXX. But I feel entitled for my card to be reopen if it is closed becuse i couldnt log on online banking to pay my card and i didnt even get to use it alot. I feel owed a credit and my credit card back current and open. The last four digits of the card i been trying to get unblocked at citi bank forever is XXXX. My name is XXXX XXXX ssn XXXX XXXX XXXX DOB XX/XX/XXXX