Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive services that were advertised

On or around XXXX to XXXX, I saw a lot of pre approvals on credit karma.At first I didn't pay it no attention, but credit karma kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans, and that I can refinance my car.every day I would see different offers everytime I would log in, to check my credit scores, so after a few months of being told that i was pre approved I thought I was now in the perfect place to apply.I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for.So I finally applied on or around sometime in XXXX and I got denied for.2 credit cards and a personal loan.i was distraught, I was very angry and i felt deicieved I was marketed to for months.credit karma told me that I was pre approved.This was a lie.I would severely stressed out.I was nauseous for weeks, I had headaches so bad I became anti social my XXXX went from 0 to 100.now everytime I see pre approvals I immediately close my phone and shut my computer off.This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.
Complaint sub-issue: Other problem

In violation of 15 USC 1691a, Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. Link to full statement follows the excerpt. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of XXXX for individuals under XXXX  years of age, and " ... 

Link to full text of Citigroup policy : https : XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XXXX the XXXX I sold a property with my other two siblings. The XXXX XXXX received a report that I owe two credit cards from XXXX. They held the funds in Escrow but they gave me a full month to fix the problem. LaVrar a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called XXXX and they told me I owed {$3200.00}. In the meantime The XXXX XXXX paid the first credit card that was open but then is when the trouble started because The Title Company asked LaVrar the Collection Agency if they had the other credit card debt. LaVrar responded they had it but IT WAS CLOSED. The XXXX XXXX gave them inside info that the debt was still open so LaVrar called XXXX and got the account open back again. I called XXXX ready to pay but they told me to call LaVrar. So now I am stuck with LaVrar which is demanding I pay {$6600.00} The XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at The XXXX XXXX   and Mr. XXXX at LaVrar. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to XXXX so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included First Progress Card, XXXX, & Possible XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I was a joint owner on a checking account with my daughter at PNC bank. XX/XX/2020 she was scammed by a company causing an overdraft on her account of over XXXX. She filed necessary paperwork to have the scam investigate since it was her account and I had no part in the checks being received or deposited. On XX/XX/XXXX, at noon, my daughter and I had an appointment with Ms XXXX XXXX, PNC bank representative of XXXX XXXX branch to have my name removed from the account, since the account was opened when she was a minor. I had called another branch office on XXXX XXXX, to see what policy was to have name removed from the account and the person that answered the phone told me it would be no problem since the account was established when she was a minor. I asked for copies off the signed paperwork we signed and asked how long would it take to remove my name from the account. Ms XXXX XXXX told me that I did not need a copy and that I would receive something in the mail 3- 5 business days from the bank stating that my name was removed from the account. My daughter told her at that time that she would totally be responsible for the account. I also signed the log book when I entered the branch. Ms XXXX also asked me why was I taking my name off he account and I told her, did she need to ask. On XX/XX/2020 I was contacted from the recovery department of PNC regarding this matter of {$6000.00} deficit on the account, and I told the person that the account was no longer in my name and to contact me after she did her research. I went into another branch that day and was told all of my accounts were closed. I further proceeded to call PNC customer service and was told that I had to call on Monday -Friday between hours of XXXX to find out why my accounts were closed and that a letter and cashier check was sent out on XX/XX/2020 of which I have not received any correspondence since my daughter moved out in XX/XX/2020. Today, my daughter text me to tell me that the paperwork that we signed does not exist and that the bank has no record of the paperwork filed at PNC bank XXXX XXXX branch in MD on XX/XX/2020.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Complaint sub-issue: Public record information inaccurate

I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Information belongs to someone else

I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello ; I need help. I submitted various proof requesting the originals creditors request to remove items off of my credit report. 

I submitted these documents via email with return receipt. These items still remain showing incorrectly on my report. Equifax reported doing an investigation. I submitted various companies letters and they have yet to correct the problem. 

Please assist. 

Thanks, XXXX
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This inquiry was not authorized. Please remove this and any others that are outdated.
Complaint sub-issue: Information belongs to someone else

Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me on my credit report
Complaint sub-issue: Information belongs to someone else

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX  MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
Complaint sub-issue: Account status incorrect

This account was paid in full in 2015 and is still being reported as an open account and I want it removed off my report immediately
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I submitted a complaint to these companies. It is been 55 days and I have not received a response from the bureaus or companies listed. These companies have yet to validate my request and the negative information in my report does not belong to me. I sent a letter with documentation requesting to prove the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 55 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the XXXX and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX and XXXX XXXX XXXX from Minnesota has sent a letter on my behalf requesting for Equifax to delete the following accounts from my Equifax credit report : XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, MN Child Support XXXX XXXX, University XXXX XXXX : XXXX, XXXX Bank : XXXX, and XXXX Credit Consultants, due to me being a veteran XXXX and a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX XXXX DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Complaint sub-issue: Account status incorrect

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX/Nelnet : {$10000.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX  Opened XX/XX/XXXX- Last ActiveXX/XX/XXXX {$310.00} Nelnet Claims XXXX XXXX XXXX XXXX NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last ActiveXX/XX/XXXX Total of Nelnet loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX
*** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from Nelnet/XXXX XXXX XXXX  attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline :XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to Nelnet by the Bankruptcy Noticing Center on XX/XX/XXXX.
A discharge was granted by a United States Bankruptcy Judge *** Nelnet/XXXX reported to all three reporting agencies that the balance on the three Nelnet/XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''.
The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report.
+++ I have had discussions with Nelnet, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from Nelnet that they provide all statements for the year ofXX/XX/XXXX.
The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for XXXX as well. 

One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I created a myEquifax account to submit a dispute as required by this comapy. I did everything properly and then on XX/XX/XXXX Equifax sent an email stating they needed more information to link my dispute with my account even though I submitted the dispute through the myEquifax account. On XX/XX/XXXX I faxed the requested information to the number Equifax gave me along with the confirmation number to my dispute. I then followed up with a call and spoke to an American representative at Equifax to make sure the paperwork was received but they told me it took 5 business days so the gentleman took all the information and verified my account over the phone to complete my dispute submission. Since then I received the same email request for the information and when I log in to my account to check the status of the dispute it still says unable to link my dispute with my account. On XX/XX/XXXX, I received an email that my dispute was completed and to login to see the results but once again it would not show my results. I called Equifax and spoke to another XXXX representative and was told to call back in a few hours cause their system was updating but their website says they are available from XXXX to XXXX seven days a week. For years I have had this issue with Equifax. I started to do a new dispute and I see the original account I dispute to be updated but not deleted. I provided proof that the account was an error but since I am a commodity to Equifax correcting the error was not in their best monetary decision.
Complaint sub-issue: Problem with fees

I enrolled in XXXX XXXX XXXX XXXX XXXX they waited until XXXX XXXX XXXX citi bank sued me to do anything then when i tried to take matter to court they would notlet the matter be heard in court but went to mediation and this allowed them to put the interest and charges on the court procedings now XXXX XXXX XXXX XXXX sent papers and said i needed to contact the court so i did now i have recieved notice that the court entered judge ment without acknowledging this individual at all
Complaint sub-issue: Received bad information about your loan

I have been in disagreement with loan forgiveness for the last few years. I am trying to get a PSLF and nobody told me that the loan had to be in a certain payment for this to happen. When I exit college in 2002 this was unaware for me. I have been paying on it for 16 years  now thinking I would get the forgiveness and nothing. I just think it is a way for the company to make money without being honest the person. Too me is a crook. I have filled the application out for the past years and denied. I have emailed them and have had NO response.