Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

XX/XX/XXXX Fraudulent wire transfers were made out of my checking account {$29000.00} {$19000.00} When these transfers were pending I immediately called XXXX XXXX told them they were NOT authorized or done by me. Went into XXXX branch and cancelled comprised account/debit card and opened new account. 
Contacted the local police and filed a report victum report against the XXXX persons who conducted the wire transfers. 
Went bank into XXXX bank with identity theft report, police report, wire transfer detailed transactions with persons names etc. Faxed those to XXXX XXXX department. XX/XX/XXXX & XX/XX/XXXX I hadn't received any contact from XXXX XXXX regarding status of getting my money returned. So I called XXXX XXXX Customer service. XX/XX/XXXX they told me they were trying to get the stolen money back from EAST WEST BANK who processed the wire transfers. 
XX/XX/XXXX Went to XXXX XXXX once more with request form from identity theft dispute letter for my dispute funds to be returned, XXXX XXXX complaint form, and fax confirmation XXXX docs were faxed by XXXX branch XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

As of XX/XX/2017 I became a victim of the Equifax data breach. Where my personal information was stolen by cyber criminals, putting me in jeopardy of identity theft. I am reading and attending webinars to learn what and how to protect my information the best that I can. These thieves have had my info for over 4 years, which gives as them a pretty big advantage that was aided by the negligence of Equifax. I was informed that I should added a fraud alert to my credit report. This is a horrific and stressful ordeal to be forced into.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am sending a complaint to delete the following fraudulent 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 or accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that CREDIT BUREAU immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605b. Please delete the following accounts as soon as possible : XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I reach out to credit reporting agency about incorrect accounts of my report.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the XXXX year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in XX/XX/2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
Complaint sub-issue: Contacted your employer

Someone from XXXX keeps contacting my employer and asking for me by full name, making threats, being rude and scary, insulting me to my coworkers and telling them I owe money, in general being disrespectful to people in the office- and they're calling on a toll free number so my employer is paying for the harassment. No attempts were made to reach me directly before they started doing this and it keeps happening despite the supervisors telling them to stop calling. 

I have no idea who these people are, they would not identify themselves when I called to ask them unless I provided confidential information such as my social security number, which of course I would not do.
Complaint sub-issue: Information belongs to someone else

The companies refuse to take off incorrect information off my reports. They are violating my consumer rights and laws. 15 USC 1681 a ( e )
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Debt is not mine

My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.
Complaint sub-issue: Was not notified of investigation status or results

Good day, On XX/XX/2020 I and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; XXXX, and Equifax Information Services, LLC, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, XXXX  and, Equifax Information Services, LLC where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I notice that there is 12 inquiries on all three credit bureaus that I do not recognize please help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX / Account number XXXX The account record listed above 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is an update to complaint that was filed against Discover XXXX - 1. This complaint/issue should be referred to the appropriate regulatory agency for review.

2. The last that I heard from Discover representative was an email dated XXXX which will be attached. 

3. As of today, XXXX, I have been billed in the amount of the dispute, {$400.00}. This is still in dispute and I should not be billed for items not delivered. 

4. Also, I noticed that my credit score has taken a hit as shown in the attached, on the Discover website. How can this be on a disputed item?

5. For clarification, the original complaint should be updated to show there were to be 3 pairs of shoes that were purchased instead of two. 

To be clear, I have never received any shoes from XXXX XXXX that were to be sent to my second address at XXXX XXXX XXXX XXXX GA XXXX. I have now tried in good faith to resolve this with XXXX XXXX and Discover. Discover is acting in bad faith by prolonging this process and ignoring Federal law. Not sure why Discover would treat a long term customer this way.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I requested validation of debt on XX/XX/XXXX, from Discover Credit Card which refused to but still continues to report to the credit bureaus XXXX, XXXX, and XXXX. 
Failed to respond to any written disputes within 30 days. XX/XX/XXXX. 

No presentment of proof of license and/or permit to regulate, issue or collect on the promissory notes of the XXXX XXXX, XXXX XXXX XXXX has XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX XXXX still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Complaint sub-issue: Other problem getting your report or credit score

i wrote a letter to Equifax in XXXX Georgia requesting my credit report on XX/XX/XXXX. I am a XXXX citizen and i have created a USA identity as i do business in United States with an American C corp registered in XXXX XXXX, Nevada in XX/XX/XXXX. So i this wanted a Credit Card from the USA which i received. In receiving my USA credit card i used my XXXX Social Insurance Number and the number of digits is the same as an American SSN number. I called into the Head Office of Equifax requesting my credit report and was told about the situation that XXXX and XXXX have a credit file on me and have used my XXXX SIN  number and that i wanted to see what was on my credit report on Eqiufax as i believed there to be derogatory information, similar to what was on my XXXX Credit report. I wrote them a letter giving all my American EIN numbers, ITIN number XXXX SIN   number, and proof of my XXXX SIN  number which they asked for. Then On XX/XX/XXXX i followed up with them by telephone after receiving a letter from them dated XX/XX/XXXX and in this letter they requested that i provide them with US SSN number, drivers license and other forms of identification. I previously sent them my Bank Statement which shows my US address. Though i have moved from XXXX XXXX to XXXX when i called on XX/XX/XXXX i gave them this information and they still said that the information I provided to them did not match there records. Which is a hint to me that my Name was there correctly and that it is possible that the address they have on file is yes not anything that i gave them, and then conceivable that my credit file was compromised in the XX/XX/XXXX Equifax data breach. And now i am stuck and can not even see my credit report to try to correct any errors or inquire about what my score is. I do not know who to contact to reveal my credit report to me to actually see if in fact this is true. And by not being able to see my credit score and its contents i can not know how to repair the issues or dispute them.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I have been writing to Equifax for several months now trying to get this information removed from my credit report. I have sent them over 5 letters not and they fail to respond to the problem. I have requested the information be removed from my credit report.
Complaint sub-issue: Problem with customer service

I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or remove this from my file. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this deleted immediately. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate deletion of this item is necessary. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this updated now. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, delete the account from my report. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} - An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately. Otherwise, remove this account immediately. 

XXXX XXXX XXXX Balance : {$3700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, delete or remove ASAP. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} - Please review your records regarding this account, as we have established your bureau 's propensity for reporting inaccuracies, and validate this item immediately. Remove if unable to validate. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

I would appreciate it when you have finished your investigation to receive a detailed report on each of the items I requested investigation for.
Complaint sub-issue: Debt is not yours

I have been called by multiple phone numbers associated with AllianceOne debt collection, almost every single day as far back as XXXX of 2021. They are calling and leaving nondescript voicemails asking for myself, ( XXXX XXXX ) or my dad once ( XXXX XXXX. ) They have called from XXXX almost daily, and XXXX back in XXXX and starting up again in the new year. I answered a call trying to figure out who they were, and they confirmed they were debt collectors trying to collect a debt that belongs to my dad, who I was not in contact with when he died in XXXX of 2021. I explained this XXXX separate times ; as they were calling while I was at work, and I answered because I had been waiting on other relevant calls regarding my dads death. They said they would not call anymore, but are continuing to harass me and leave voicemails. My dad was so broke when he died we didnt even establish an estate and his things were sold off by his landlord. No one is going to pay this debt, and this company is disgusting.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.
Complaint sub-issue: Account status incorrect

This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
Complaint sub-issue: Account status incorrect

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and  ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Complaint sub-issue: Information is not mine

A company called XXXX has filed a negative item on my credit report. I do not know who they are. I am not aware of any debt owed to them. I have demanded documents from them showing proof of a debt.
Complaint sub-issue: Problem getting your free annual credit report

I Have sent a written request to Equifax asking for my free written credit report on XX/XX/21 and again on XX/XX/21 I also enclosed a copy of my drivers license and a copy of my social security card along with two current utility bills and still they have failed to send me my report.
Complaint sub-issue: Information belongs to someone else

Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.