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

Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries
Complaint sub-issue: Used obscene, profane, or other abusive language

This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well
Complaint sub-issue: Account status incorrect

I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Equifax is reporting on this account. 

My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Equifax in XX/XX/2022 and no response, I sent a follow uo at the end of XX/XX/2022 and still no response and no correction to the account. 

The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Equifax is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Equifax is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The payment status on a collection account should state collection/ chargeoff - Equifax is reporting this " LATE 120 DAYS ''. again another FCRA violation. Lastly a collection account should not report any two year history and of course equifax is also reporting a history. 

This is at least 5 violations. Ive included the letters mailed and the credit report
Complaint sub-issue: Debt was result of identity theft

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Complaint sub-issue: Received bad information about your loan

File several recertification applications with  FedLoan  for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get  FedLoan  to process my recertification application in a timely manner. I am endanger of defaulting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Equifax i have XXXX, XXXX, & XXXX also same companies are on my XXXX XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Complaint sub-issue: Banking errors

I received an offer from Citibank as a credit cardholder for a promotion valid XX/XX/XXXX through XX/XX/XXXX to open a Citi XXXX Savings account as an account owner. The promotion was for a {$300.00} bonus if you deposit {$30000.00} or more by the 20th day after opening the account. By maintaining the {$30000.00} balance every day for the 60 calendar days following the 20th day after funding, I would be eligible for the bonus paid within 90 days of being eligible. 

I opened my account on XX/XX/XXXX and funded {$30000.00} and was eligible to begin counting the 60 days beginning 20 days after funding on XX/XX/XXXX. Because I kept the assets in the account ( and still have them there ), I was eligible for the bonus on XX/XX/XXXX and should have been paid by XX/XX/XXXX. 

I have still not received the bonus ( 108 days later, which I have not received interest on the bonus either ) and have followed up both via phone and in-person at a branch with Citi multiple times ( at least 5 ). My last visit to the branch was on Monday, XX/XX/XXXX, and this is still not resolved. 

I have spent nearly 30+ hours trying to resolve this issue, and I believe that I am being taken advantage of by Citi XXXX
Complaint sub-issue: Account status incorrect

Conns Credit account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX toXX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account status incorrect

This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.
Complaint sub-issue: Sent card you never applied for

I received a credit card in the mail from Lending Club bank. Immediately contacted them to let me know that I didnt authorize this account and to close and report the card to their fraud department. Customer service also stated that she would send me a letter of our conversation and that the account would be closed. On XX/XX/11 I received a statement of the same account and contacted them again and they said the account was flagged but closed. I urge them to close this account because I did not authorize this account and they claim they are waiting for the fraud department to close the account. I have not received a letter from Lending club informing me that the account was closed.
Complaint sub-issue: Can't temporarily delay making payments

In calling in today to Key Bank regarding my student loans services by XXXX XXXX ( last four SSN : XXXX ) after being advised on multiple occasions by both the lender ( Key ) and the services, XXXX XXXX XXXX, that I had available time on my loans for COVID-19 forbearance, I was advised they are unwilling to assist me with anymore time. During this horrific time, during which I am unemployed due to COVID-19 as well as two Natural Disasters in XXXX XXXX ( wildfires from XXXX - XX/XX/2020, and an earthquake in XXXX, respectively ), is remain in dire need of forbearance for these loans, as previously promised by the servicer. My employment was shut down due both to COVID-19 and the described Natural Disasters. 

This matter remains time urgent, and Key has been very abrupt in their dealings with me and unrelenting in assisting me during this horrific time both financially and medically, as I continue to battle medical issues during this crisis. 

I require immediate assistance with this matter, to ensure my loans are placed back into a Disaster forbearance as previously advised me. Please urgently contact me to resolve this matter. Thank you kindly in advance, and I look forward to speaking very shortly.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

CEASE CREDIT REPORTING I CHOOSE NOT TO MAINTAIN A CREDIT FILE UNDER  F.C.R.A. 15 USC 1681a ( g ).
Complaint sub-issue: Information belongs to someone else

My information was compromised during the Equifax hack.
Complaint sub-issue: Account terms

Equifax reporting my name wrong also XXXX @ is hacked i no longer can get my XXXX.back because you guys are trading servises but remember CONSEQUENSES
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company that they are reporting on the dispute response, XXXX. I have disputed this account with Equifax on XXXX, XXXX, XXXX, and XXXX of XXXX. They asked me to dispute the information with the furnisher and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. They have also falsely stated that XXXX has verified the information on XX/XX/XXXX, when the attached documents show XXXX deleted this account from their system on XX/XX/XXXX. So did Equifax truly verify this with XXXX? I have also contacted the clerk of courts on XX/XX/XXXX and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Equifax to please provide documentation of this account that they are clearly erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Equifax take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Equifax is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Equifax duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To Equifax To XXXX  To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T 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 heck 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 n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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.
Complaint sub-issue: Personal information incorrect

EQUIFAX is reporting my date of birth wrong. The report shows XX/XX/XXXX which is incorrect. My accurate date of birth is XX/XX/XXXX. Due to this error there's a collection acc # XXXX in the amount of {$22000.00} that is showing in my credit file. I have asked EQUIFAX numerous of times to reinvestigate this account and each time I got nothing back with proof of investigation. There's also an address that is on my report that I humbly asked them to remove XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I have never lived at the above address. There's also credit inquiries I did not authorize. My personal information such as disabled/retired is being exposed as well. I did not give my consent to have that information disclosed. I understand my consumer rights and wish to have all issues resolved promptly.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

I have 2 disputes entered XX/XX/2021 and as of XX/XX/2021 they are still under investigation. And no one has contacted me to tell me why.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report from XX/XX/XXXX, XX/XX/XXXX I noticed that the report has credit inquiries that I did not authorize. I sent XXXX letters to Equifax because I previously disputed these inquiries stating : XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or DELETE the following inquires highlighted in yellow : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

I asked that these inquires be verified and proof be sent to me, they have failed to send me proof on both occasions and I have not received any proof.
Complaint sub-issue: Fee problem

I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX Equifax and XXXX that I would like dispute XXXX XXXX  that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with Equifax XXXX XXXX and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.
Complaint sub-issue: Account terms

i sent a certified letter to XXXX XXXX disputing the chargeoff and lates and they responded back to me in a letter stating they DO NOT have any info on me becuase they sold the old account. i sent a copy of the letter and disputing to equifax to delete this account because they can not verify it. equifax ignored the letter and stated it was verified, i asked about how they verified it, they said through electronicly. i told them i wanted it to be removed for they can not report info on me if they dont have it. they claimed they can not do that and they are referring me back to XXXX XXXX. THEY keep passing the buck back in forth. I WANT THIS INACCURATE UNVERIFIABLE info off my credit report PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to XXXX XXXX  and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Due to the pandamic and XXXX a wrongful 30 day delinquent was reported on my credit report. No reminders with letters or calls were made to me. 
XXXX XXXX refunded late fee due to hardship but will not reverse 30 day late.
Complaint sub-issue: Account status incorrect

I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested a copy of my credit report from XXXX and discovered that credit reporting agencies are reporting erroneous information in my credit report. The Credit Reporting Agencies have not responded my dispute as of today 's date. The Credit Bureau is required by the Fair Credit Reporting Act to complete their investigation within 30 days. Please review the payment history, date opened, most recent activity, and status of XXXX XXXX Account XXXX as I believe it was reported incorrectly, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe it was reporting in error : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1400.00}