Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

My account was not working with Fed Loan Servicing so I reset my password and wrote it down and saved it to my phone. I paid off some if my loans and the payments have not been reflected on my credit report. I tried to log into my account to print out my documents and see if the payment updated, but my account will not log in again. 
Fedloan Servicing recently announced they are not renewing users ' accounts which is unfair to allow me access to my account and information. I did not and do not give them permission to send my information to the bureaus nor to another loan servicer since information can be transferred inaccurately and payments that I have paid may not be reflected.
Complaint sub-issue: Account information incorrect

Equifax reporting 2 mortgage inquires made a day apart as separate hard inquires. When I called they repeatedly said they do NOT follow CFPB policy/regs/law and instead count every inquiry by a different company as a separate inquiry for the purposes of calculating scores regardless of when and why made.
Complaint sub-issue: Information belongs to someone else

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Information belongs to someone else

Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Complaint sub-issue: Personal information incorrect

Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me
Complaint sub-issue: Information belongs to someone else

I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

i have not recieved one payment or settlement they had control over my email ssn phones i just got acess back
Complaint sub-issue: Their investigation did not fix an error on your report

The below listed account has been removed from XXXX  and XXXX. However, it has not been removed from XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameAFNI, INC.

Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1400.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1400.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX I have disputed this account on-going as the account is not my account. I have requested the creditors to investigate the source of the payments that were made to the account as I have NOT ever made payment to such account. My banking statements can prove this. I have been with the same banking institute for over a decade. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. 

Regards, XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

I opened both checking and saving accounts with citibank online in XX/XX/2019 and their online system is really bad, when I click the check account to review my transactions, it's always showing loading for both my accounts. I am not able to see the details of my accounts. 
When I tried to transfer some money from an external bank to citi, the citi accounts got locked for no reason.i had transfered {$15000.00} USD to citibank and now it shows my accounts closed. {$15000.00} had been deducted from my external bank accounts and showed that this money already deposited into citibank, but citibank denied the receiving of this money. I now don't know where my money is at. 
and I spent 4 hours over the phone with their CS, and they weren't not helpful at all but waste my time.their customer services on the phone is the worst. their english is hard to understand and the info. they provided is not accurate at all. 
If you want to be happy, stay away from citi bank ever!!!
Complaint sub-issue: Problem getting my free annual report

after typing in my personal information and requesting a free thaw on my XXXX credit report, I was asked to pay a feed.
Complaint sub-issue: Information is not mine

Equifax is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Complaint sub-issue: Account information incorrect

The following account information is incorrect reporting that I was late on the following accounts : XXXX/XXXX : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX XXXX   : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX  and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( XXXX and XXXX  ) ; XXXX XXXX : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX ) ; XXXX/XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and XXXX ) ;
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Recently my consumer credit report has been reported improper. These consumer agencies XXXX, Equifax and XXXX are been report my wrongly and there are unnecessary and unfamiliar hard and soft inquiries in my credit record, most especially XXXX. These unrecognized inquiries has hurt my credit scores and records badly, for instance the hard inquiries like follow XXXX XXXX a mortgage company, address XXXX XXXX XXXX # XXXX, XXXX. Date of inquiries, XX/XX/XXXX XXXX XXXX XXXX, Mortgage Reporters, address XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries, XXXX XXXX, XXXX, XXXX XXXX XXXX, Property And Property Management Companies, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries XX/XX/XXXX, and XXXX XXXX, ( {$110.00} ) a collection department on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Date XX/XX/XXXX. This debt has been paid. 
In addition, The activities on my credit are not been updated frequently, for instance transactions of 2-3 weeks ago not been updated yet.
Complaint sub-issue: Debt was result of identity theft

No knowledge of account. I never received any notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. Please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.
Complaint sub-issue: Account information incorrect

Current credit score issued by Equifax is misleading and incorrect. I have had several debts show up as " decreased '' in the amount owed as I have steadily paid them down. The other two reporting agencies show an " improved '' credit score. Equifax score went DOWN by 17 points. This is not correct and they would not give me a reason for the decrease in my score.
Complaint sub-issue: Problem with customer service

On XX/XX/2016 I applied to CommonBond for refinancing my two XXXX XXXX Student Loans into one with a smaller monthly payment. I received letters from XXXX that they had taken over my loans from XXXX XXXX ( via CommonBond ) and got my new amount and payment information. 

Two years later I found out that there was still a balance owed to XXXX XXXX. My mother was getting the notifications sent to her junk email and told me about it a few months ago. She made a payment at one point, not exactly sure why XXXX XXXX still had a balance. 

For the last couple months, I have been talking to Customer Service at Common Bond and XXXX XXXX, trying to figure this out. I got in touch with CommonBond and worked with a rep named XXXX. We spoke back and forth for a few months. Eventually, she agreed that I should not have a remaining balance with XXXX XXXX, as Commond Bond should have paid all of the remaining balance when I refinanced ( I have our email conversations. ) So I told her that I would like them to fix the issue because they messed up when they consolidated my two loans in to one. She agreed and asked me to refinance again. I went to do so, but then she informed me that my payment cycle would reset. The problem with this is that I am now under a year away from removing my mother as a cosigner. I have never missed a payment or made a late payment and I do not believe it is fair that I should have to start over when they made the error in the first place. 

I called XXXX XXXX to get the exact reason and timing why Common Bond made their error. Here is what I was given : Common Bond paid the incorrect amount for both of the loans they were supposed to pay in full for my refinance. The amount due was {$28000.00} and they paid {$28000.00}, leaving {$620.00} on one. The other amount due was {$15000.00} and they paid {$14000.00}, leaving {$360.00}. They did not do their job in properly refinancing my loan. Where I should have {$0.00} left on XXXX XXXX and only one payment to make, I have been left with two loans like it never even happened. The amount has been sitting an accruing interest. XXXX XXXX also informed me that they didn't pay the amount until XX/XX/2016, even though I applied in XX/XX/2016 and was approved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.
Complaint sub-issue: Debt is not yours

Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$630.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
Complaint sub-issue: Account terms

Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX  XXXX XXXX XXXXXX/XX/XXXX Credit plusXX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXXCredit plusXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE On XX/XX/XXXX ... I ordered a $ XXXX-Flashlight ( XXXX XXXX ), ON SALE! 

using my Debit Card ( checking acct. ending in XXXX. 

HOWEVER, on XX/XX/XXXX ... 
XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE POS * {$49.00}. 

*CHARGED my DEBIT CARD, ''again ''!! THAT WAS NOT AUTHORIZED, BY ME, AS I PAID IN FULL, FOR $ XXXX-ON XX/XX/XXXX. 

Please get my $ XXXX-BACK ... ( into my account at ''BB & T Bank '' ... I CONTACTED ''BB & T '' BANK, & THEY TOLD ME, THEY COULD NOT HELP ME ... which is now XXXX XXXX. 

Thanks, XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Pnc is blatantly breaking the law. They incorrectly charged my account overdraft fees, then sent them to collections. These were disputed off as they were illegal. Pnc then recieved a payment to the closed account, and is holding the whole thing XXXX if {$300.00}. Pnc, specifically XXXX, refuses to speak to me over preferred methods. They are in blatant violation of the law.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!
Complaint sub-issue: Debt is not yours

XXXX XXXX at the Avanteusa is in violation of the fair debt consumer protection act. 
XXXX XXXX at the Avanteusa have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1.Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2.Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX at the Avanteusa 3.Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt saying I owe {$610.00} 4.Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 5.Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
XXXX XXXX at the Avanteusa are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request!

It is shocking to me that XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX wont remove the fraudulent items off my report
Complaint sub-issue: Information belongs to someone else

Currently, I have a XXXX credit score but even with a " good '' credit score I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. Equifax is reporting a collection from XXXX XXXX in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.
Complaint sub-issue: Didn't receive enough information to verify debt

I learned a few months after this debt collection agency reported to XXXX   that I do have a record of debt collection on my report. There were 3 separate records by USCB for various amounts ranging from {$61.00} to {$260.00}. The original creditor is XXXX XXXX. 
I immediately disputed all of them since I didn't go to XXXX for the last 10 years. My insurance is XXXX XXXX through my employer. XXXX  resolve 2 of the 3 disputes and kept one of them, for {$260.00}, saying " The company that reported the information has certied to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ". There are no details to review, I can't see how they " certified ''. I've never received a debt collection attempt in the mail, no phone calls. I have no way to contact USCB since they don't list an email or phone number on their website.