Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Denied loan

I am in a XXXX program for XXXX XXXX studies. I applied for an XXXX loan at Discover and was denied because I am not a degree-seeking student. I called Discover back for the second time and spoke to a woman on the phone and explained all of these details in depth to her. I explained I was technically a XXXX XXXX, was technically an XXXX but already had my degree, etc. We spent I would say 10-20 minutes on this recorded phone call. In the end she said Discover could in fact help me out based on that information and to go ahead and apply for a XXXX loan. I did so, was approved, and had my mother co-sign on the loan. Because of this we each had hard credit checks ran so we have added inquires on our credit reports. After more time I did n't have to lose financially had lapsed and some added pressure on my school, I found out that Discover in no circumstances whatsoever loans to XXXX/non-degree-seeking students. On top of that, Discover themselves never sent an e-mail with the information that I was denied or sent an account notification that would have generated an e-mail. I now have no student loan, have to apply somewhere else again, lost precious time, and an extra inquiry on my credit report all because of a Discover employee. I expect the company to do anything they can to retract the credit inquires from the companies as to not damage my credit score and that of my mothers.
Complaint sub-issue: Account information incorrect

It has been more than 60 days since my original request and it is illegal for this to happen. 
I sent certified mail with return receipt and first class mail. 
I have reached out several times and have asked them to verify and validate accounts that i am disputing. They responded that these accounts are accurate and verified. i reached out again and ask for a re-investigation and still after the reinvestigation it comes back as accurate and verified. The law states that- U.S. CODE In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or remove that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer.

( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Complaint sub-issue: Information belongs to someone else

There are 11 accounts on my credit report that are showing up and these are definetly not my accounts I have tried resolving this wqith the bureaus as well as the furnishers in my credit report and they are not being much help. This is a result of identity theft and I need this taken care of ASAP it is affecting my personal life and it is stressing me out!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : SXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I received a letter from UNIFIN debt collector that stated I had to pay XXXX ..this debt was originally purchased from XXXX XXXX XXXX XX/XX/XXXX. from XXXX XXXX XXXX back on date XX/XX/XXXX. I called unifin XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to XXXX XXXX I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from XXXX XXXX   was paid off. I asked for them to send me proof of the account agreement from the company XXXX XXXX she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
Complaint sub-issue: Their investigation did not fix an error on your report

As it has been over a year since I started this dispute but I am still waiting for PNC Bank to have the negative/derogatory remark remove for my credit profile. In their last response they requested a letter from XXXX bank, I sent XXXX letter on XXXX which I received via fax from XXXX. On a cover letter 's subject line it it Clearly says that I never had any deposit account ( s ) and on the letter head it shows my credit account detail but PNC bank refuse to accept it. I sent a second letter on XXXX that says I don't have any checking/savings account with XXXX  but PNC Bank representative XXXX XXXX still refused to accept the letter and requested a new letter stating that I Never had any account with XXXX Bank in order for them to process my request. I sent third letter that I received from XXXX bank on XXXX that says I Never had any checking/savings account with XXXX. I am still waiting for the response and relying on PNC Bank to resolve this issue and remove the the negative/derogatory remark from my credit profile. 
I have attach the email correspondence with PNC Bank representative XXXX XXXX that was working on this issue, in which she said in her last email that she will not have any update on his case. I am still waiting for the response but they have not responded back.
Complaint sub-issue: Account information incorrect

Failed to show new payments and that account is fully paid off
Complaint sub-issue: Debt is not yours

This letter is a formal complaint against National Recovery Agency, a collection agency located at XXXX XXXX XXXX XXXX, PA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Complaint sub-issue: Information is not mine

My mother opened a credit card in my name when I was XXXX. She used this card for her own personal gain and wants. She was paying on this card until XX/XX/XXXX. She openly admits to opening it, however, refuses to take ownership of the situation and now I 'm left to bear her mistake. I just want it gone. I never opened it and I never saw any benefit from it. It is haunting my credit score and wo n't be taken off until XX/XX/XXXX according to XXXX. I 've filed 3 separate disputes with Equifax to no avail. All 3 determined that the card was mine even though I never opened it. Please help ...
Complaint sub-issue: Used obscene, profane, or other abusive language

Letter was sent to the company involved a while ago, I'm just following up to be sure they no longer have my information in their system as owing any alleged debt. 2nd letter was sent XX/XX/21. IC Systems received it on XX/XX/21. At the time, I was not aware my rights were violated, but now I do. Pursuant to 15 usc 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This company is also in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692g, 15 USC 1692c, and 15 USC1692c ( 2 )
Complaint sub-issue: Other problem getting your report or credit score

I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX  and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and XXXX XXXX!!
Complaint sub-issue: Reporting company used your report improperly

I am one of the estimated 143 million Americans who was affected by the Equifax hack that occurred XXXX 2017. I 've worked hard to be in a position where I am financially secure. I will have to live the rest of my life, fearful of my finances being undone with the data stolen from Equifax. 

- Equifax has shown they can not be trusted to not securely manage my personal and financial information. 
- Their lax approach to securing my data that I did not consent to their gathering has put my finances at risk. 
- Not only have they stored my data unencrypted within their unsecured network they failed to address these issues and continued to lie to the victims. For example, this tool which was generating random answers and not actually informing people if they had been hacked. https : //www.equifaxsecurity2017.comXXXX - There has been a reckless disregard for the security of the information they have gathered on consumers. Their inability to be transparent and truthful has made it impossible for consumers to secure their personal data. The very company consumers have to work with to remedy the crime can not be trusted.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$680.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XX/XX/XXXX/MAIL XX/XX/2020 XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it May Concern, I am writing to file a complaint against XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX reported a collection to the consumer reporting agency that they never actually collected, after I had already made payment to XXXX  ( Regarding Policy number : XXXX ) for the amount of {$94.00}. On Tue, XX/XX/2021, at XXXX XXXX, I made a payment to XXXX for a past due balance of {$94.00}. This payment was made to fulfill esurance company 's requirement before purchasing a new car policy ( Policy number : XXXX ). The requirement was to pay any past-due balance before the issuance of the new policy. Which I did in the specified amount, day, and time above. You can verify these facts by calling the XXXX customer service center at XXXX ( XXXX ). 

Therefore, I am absolutely confident that XXXX XXXX can not provide a date and transaction ID for this transaction, as it was paid by me, directly to XXXX, right before I purchased a new car policy ( on Tue, XX/XX/2021, XXXX XXXX  ; Policy number : XXXX ) from XXXX. At this time, XXXX  did not disclose or mention that the account had been acquired by a collections agency. Additionally, if the account had already been acquired by XXXXXXXX XXXX, XXXX  would not have directly taken payment. Neither had XXXX XXXX communicated with me before this date and payment, about the acquisition of my account. 

Pursuant to 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 consciously avoids knowing that the information is inaccurate. '' This section prohibits collection agencies from knowingly reporting false information about a consumer to a consumer reporting agency. XXXX XXXX is in violation of this section by reporting false information about me to a consumer reporting agency. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against XXXX XXXX for its violations of the FCRA. I request the CFPB to require an update of my report to reflect the accurate and verifiable information and request the deletion of any information relating to any outdated information being reported. I further request XXXX XXXX to facilitate me with a copy of any changes to my report pertaining to this complaint. 

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

XXXX and Equifax have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.
Complaint sub-issue: Problem getting report or credit score

I have been trying unsuccessfully to get my free credit report from Equifax and XXXX! They are breaking the law that protects U.S. consumers yet they do n't sinply care as we are not there customer. I called Equifax XXXX times and verified my identity successfully and yet no credit report. XXXX does the same thing, I verify my identity and still no credit report for the Equifax bureau. I would like to open a complaint against them because they are violating our rights.
Complaint sub-issue: Need information about your loan balance or loan terms

I enrolled in XXXX XXXX XXXX, CA campus in XXXX and during enrollment I was paying a private loan from a lender named Genesis Lending Services XXXX I completely paid them off years ago in XXXX. I am now aware that there has been a lawsuit, and I want to receive a reimbursement of some sort. I never worked in the field after completing classes. I am overwhelmed of all the fraud they have caused. I tried reaching them now, and I can not find any information. I threw all my old receipts away unfortunately, yet I recall struggling at the time to pay them off, I am more mature now and as I am learning to take care of my finances, the past has haunted me, and I wish to collect something for there fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I ve just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. These have been rough times during the pandemic and I'm tuna get to the bottom of the situation
Complaint sub-issue: Attempted to collect wrong amount

EQUIFAX : Has listed on my credit report a debt collection from XXXX XXXX XXXX Acct # XXXX. I have asked them several times to verify this account with me and to send me verification of this acct. Within the timeframe. They have never verified anything. And this acct dated XXXX/2010 something from almost 7 years ago. They allow the company to report this on my credit report every month. An account that has never been verified. Also the company lists the date of acct as XXXX/10 and on another reporting system it is listed as XXXX/10 so the dates do not match up.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified 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 but I never received a response from them. These accounts must be validated 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 XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account terms and changes

Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # 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: Account information incorrect

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

Information remains on my consumer report despite filling the necessary documents to have all removed.
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 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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.