Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem related to refinancing

My ex-husband owns the vehicle. He pressured me into being a CO-Signer for him while we were still married. I found out a couple of months later that I was added by the dealership as the main account holder. I tried to get that taken care of but Ally Financial refuses to help me. After our divorce in XX/XX/2021, my ex husband was awarded the car and took FULL responsibility of the vehicle and it was approved through the courts. Him and I both contacted Ally financial to show proof of that from our court papers and they refused to look at them. I am not supposed to be on the vehicle at all at this point but nobody is willing to help me.
Complaint sub-issue: Attempted to collect wrong amount

Performance SLC contacted me about my student loan forgiveness program I paid into this program back when I finished graduating school I have the emails of when I was inquiring about why the money I sent them did not reduce my student loan debt. I just found out that this company was a scam and is being sued by the cfpb for deceptive advertisement to apply for programs that were technically free. I want to know how I can join the class action lawsuit and how I can be refunded my money I invested back so I can actually put that money towards my student loan debt. 
This company use to have an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX my Equifax Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX  removing a remark. XXXX XXXX Bank was also included in my XXXX XXXX XXXXXXXX as of XX/XX/XXXX. This account is also over 7 years old and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my Equifax, XXXX, and XXXX Credit Reports including Lexis Nexus. 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my Equifax, XXXX, and XXXX Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my Equifax, XXXX, and XXXX XXXX XXXX including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all 3 of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX XXXXnkruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Complaint sub-issue: Reporting company used your report improperly

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and Equifax have a bankruptcy on my report. 

I reached out to the company XXXX about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, a federally protected consumer, authorize this investigation. I have unauthorized fraudulent accounts on my credit report that I do not consent to be on my consumer report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the following creditors have violated my rights : 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 15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

My social security number is at risk due to the Equifax leak on XXXX XXXX, 2017. I have requested a 90 day fraud alert with Equifax, but outside of that I could be at great risk for identity fraud.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX  XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We filed a dispute with Citi Bank about a charge of {$1700.00} from XXXX XXXX XXXX XXXX. This was a deposit charge, however we cancelled move because of additional charges ( about twice the amount stated in the contract ) that was required just before the move was scheduled. Citi notified us of their attempt to settle the dispute, but could not do so with the information we gave them. We have obtained information about XXXX XXXX XXXX XXXX from sources such as XXXX  that this company has pulled the same scheme of overcharging at the last moment before moving and feel that our deposit charge should be removed from our account at Citi Bank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I received an email from XXXX XXXXXXXX Personal Loans congratulating me on my purchase of XXXX XXXX XXXX. The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to XXXX XXXX, the line of credit approved was for {$1600.00}. I do not own an XXXX  or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX. 

I took action freezing all of my credit reports and filed a report with Equifax to dispute the inquiry. Equifax denied the dispute. Upon calling Equifax, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.
Complaint sub-issue: Information belongs to someone else

Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have two merchant return gift cards from Macy 's department store, which I obtained in XXXX. The items I returned were two XXXX each of them costs {$120.00} including tax. Please see attached. 

I have not used one of them ( ending XXXX, GC # XXXX hereafter ), and I used only a few dollars on the second one ( ending XXXX, GC # 2 hereafter ). Please see attached. 

I tried to redeem these two cards online about two weeks ago and found that GC # 1 have {$0.00} balance while GC # 2 had a correct balance of {$120.00} ( original card value {$120.00} ). 

I contacted the customer support and gift card department numerous times ( which was not pleasant to put it very very mildly ), and finally got the GC # 1 issue solved and received incorrect amount of replacement card which I had to correct ( see attached copy of email communication ). Replacement cards ( total amount of {$120.00}, {$120.00} ( why? ) + {$3.00} ) were arrived on XX/XX/XXXX. 

I thought I am good to go to redeem GC # 1 ( replacement of which ) and GC # 2. Now GC # 2 shows {$0.00} balance. I called customer support and explained the situation. I was told that I used on XX/XX/XXXX???? Something got mixed up. The representatives that I talked on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were oblivious. At the same time bored and rude. 

I want my money back on GC # 2 ( {$120.00} ). I tried to redeem these on items on sale XX/XX/XXXX and they are not available anymore. I request a compensation for tremendous waste of time and energy and loss of opportunities. 

I could not find any good contact information to report these issues. I hope this problem transferred to someone in charge of Macy 's gift card operation and customer support.

Questions : - Why GC # 1 was it inactivated? 
- How did they got XXXX dollar information ( see attached email communication ) where did this wrong info mixed up with mine? 
- Are they training associates at all? 

Or at least I thought.
Complaint sub-issue: Information belongs to someone else

Disputed various peices of information on credit report. All information has been removed for other credit agencies except this one. I even sent in Police report documents to state that items needed to be removed due to fraud.
Complaint sub-issue: Information belongs to someone else

I already reached out to the credit bureaus and to XXXX XXXX and XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Complaint sub-issue: Can't get flexible payment options

I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, my Personal Information got stolen. I am a victim of Identity theft. I am submitting my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my report.
Complaint sub-issue: Was not notified of investigation status or results

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX.I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....
Complaint sub-issue: Information belongs to someone else

I just recently received a copy of my credit report. I have filed a Identity theft report. I was incarcerated for 5 years. I noticed multiple accounts that were opened while i was in jail. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

XXXX XXXX XXXX Complaint filed with Consumer Finance as advised by CITIBANK fraud department for the deliberate erasing of transactions by CITIBANK workers. Fraud Department stated CEO has to be made aware of CitiBank workers illegal actions. 
Workers changed voice tone on calls. 
Issued XXXX XXXX Refund missing from my account transactions history and daily transactions are erased. The account holder has to continuously call CitiBank to correct the error and update account information. 
Workers call account RECORD. 
" Do you want to see your RECORD? I am not doing all this time! '' XXXX. XXXX XXXX Spoke with representative XXXX whom acknowledged social security and pin in accessing and managing CitiBank account online. XXXX stated that his " higher supports '' would UPDATE my account to reflect the missing/erased refund transaction from XXXX XXXX in the amount of {$150.00} and {$19.00}. It should take " half hour to an hour, '' said XXXX " I can see the transactions in my computer -- try deleting the app and reinstalling it then you may be able to see the updates! '' XXXX XXXX  XXXX XXXX 's 'higher supports ' have yet to update transaction history. 
Federal Refund has yet to be credited to my CitiBank account. 
My account updates and history erasures are manually completed by CITIBANK workers as per CitiBank Fraud Department ; XXXX XXXX XXXXXXXX stated " XXXX XXXX '' XXXX XXXX word for territory expansion. 
XXXX XXXX  Placed on hold with CITIBANK. Young girl in background with XXXX  accent stated " I am just letting you know we are not busy... we just choose to have you wait! '' XXXX. XXXX XXXX Representative stated it has to update into the account. That they do not know when it would be updated. We do not want to see " green '' on your account history. Thus representative stated speaking with a XXXX under tone in XXXX and XXXX " it might be a glitch on the account we might have you wait 24 hours -- -he is a XXXX! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX , US DEPARTMENT OF EDUCATION , US DEPARTMENT OF EDUCATION , XXXX XXXX, and XXXX XXXX. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Complaint sub-issue: Account information incorrect

This vehicle was paid by insurance claim was unaware of any other charges this account has also been on my credit report for 8 years and 11 months as closed
Complaint sub-issue: Information belongs to someone else

According to 15 USC 1681A and 15 USC 1692J Equifax has continued to violate these two federal laws. I have sent numerous debt validation and method of verification letters to the company asking how was the alleged debt was verified by the XXXX XXXX  who did the company speak with name and phone number. I have never verified the alleged debts below however, they continue to report the alleged debts with no proof from the companies who are not the original credit. According to the law The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The alleged debts are from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have continued to be reported by Equifax violating my consumer rights by reporting these alleged debts creating a false belief in me by other creditors these must be removed immediately. 

15 USC 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Complaint sub-issue: Frequent or repeated calls

In XX/XX/XXXX I received a phone call from Hunter Warfield in regards to my lease with XXXX XXXX XXXX XXXX.. I was not even aware that the issue was at the agency since XXXX XXXX XXXX agreed on the lease payment and requirements for breaking the lease. 
Since then I have received phone calls From collection agency Hunter Warfield at home, cell phone and work without my permission. I have asked several times NOT to call my work desk. They call Several Times a Day- Everyday Except Sundays. 
I spoke with XXXX XXXX XXXX  via Email regarding the amounts needed to satisfy the breaking of my lease prior to any of this happening ; before I even moved out. The satisfaction details are stated below. 
1 month Rent for the Month I was there- XX/XX/XXXX- {$1200.00}. 
1 month Rent fee for Breaking the lease- {$1200.00} In addition, I would forfeit my deposit- {$3000.00} This is what was agreed upon. I provided XXXX XXXX   XXXX with my new address and never received the final Amounts. The only communication came when Hunter Warfield called me with the amount of {$4300.00} I Have since received 3 letters in the mail and countless phone calls.
Complaint sub-issue: Information belongs to someone else

Inquiries from XXXX 2018/XXXX 2018 were proven to be fraud and needs to be removed from credit report by all credit bureaus. I have contacted both the creditors and the credit bureaus and Equifax is the only bureau that refuses to remove the fraudulent inquiries from credit report.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX