Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft since 2017. I still have Louisiana XXXX XXXX XXXX, us bank, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  and a few other still reporting that these accounts are owned or are charge-off I filed a report with the FTC and they are still sending me to collections or suing me for the monies owned on these fraud accounts. I had paid all the accounts off in 2017. Then I got rob at XXXX time in 2017 all my cards were stolen and my social security card they even filed false income taxes with my social security number. Recently in XXXX all these creditors reported again to all credit bureaus and it s all on my reports like new information! everything PLEASE HELP! I  will be going to court again in XXXX for one of them suing me.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Problem with customer service

Hello. 

I have four consolidated loans with FedLoanServicing. They are taking an abnormally long time to do a review of my qualifying payments made for PSLF. It has so far been 81 days since I made an initial request to get an updated qualifying payment count. Here are the details : On XX/XX/2020, I sent FedLoan a request for a change to my Paid Ahead status as well as an updated summary to my qualifying payment count. 

On XX/XX/2020, FedLoan sent me an email stating " A review to confirm the total number of qualifying payments that you made for Public Service Loan Forgiveness ( PSLF ) has been submitted. We'll contact you after we complete our review. '' On XX/XX/2020, I sent FedLoan an inquiry on my previously requested payment count for PSLF qualifying payments. 

On XX/XX/2020, FedLoan sent me an email stating " We are currently still reviewing your number of qualifying payments. Once your request is reviewed, you will be sent notice of the results. '' Today is XX/XX/2020. Today is 81 days since I initially made a request for an updated summary to my PSLF qualifying payment count. 81 days is longer than I believe it should take to recount my qualifying payments. Today I contacted FedLoan once more to request an updated payment count for my PSLF qualifying payments. 

I would like to request CFPB 's assistance in helping me obtain an updated payment count for my PSLF qualifying payments, after a change in my Paid Ahead status, which occurred 81 days ago. 

Thank you CFPB for your help.
Complaint sub-issue: Personal information incorrect

Send 3 letters to XXXX, Equifax, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18
Complaint sub-issue: Application denied

I am a natural person/consume/creditor. On XX/XX/22, I extended credit to Macy 's XXXX XXXX in good faith pursuant to 15USC1691 ( 3 ). Pursuant to 15USC1602 ( l ), a consumer credit transaction was created upon giving my credit card number. This transaction did not benefit me as the consumer according to 15USC1602 ( p ). The customer associate gave me a record of transaction stating that I'd receive a letter in the mail from Macy 's credit department about my application.

Imagine the hurt and disappointment I felt walking away from that customer service counter, especially with others being witness to this transaction. It was utterly humiliating. I extended credit in good faith that I'd receive credit, because the law clearly states only twXXXX reasons for denial : insurance and employment. This transaction did not involve either. I was in a bout of depression all weekend. 

On XX/XX/22, communication of adverse action came in the mail from Macy 's. The denial was for number of credit burea inquiries based in whole or part on information obtained from XXXX. I did not extend my credit to XXXX ; I extended my credit to Macy 's. I never gave written consent for these parties to share my personal information. 

Macy 's blatant disregard for my rights and their boldness to break the law has resulted in this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$45.00}
Complaint sub-issue: Reporting company used your report improperly

Equifax recently was hacked resulting in the leaking of nearly 150 million Americans ' credit info, including my own potentially. This is a HUGE issue, not only because of the scope of the hack but because of how deeply we rely on the credit bureaus to monitor our credit. For example, if you 're a person who wants to buy a home someday, unless you 're wealthy, you rely on the credit bureaus for your credit rating to secure a loan. Our hands are completely tied, and we are forced to work with these companies and give them our sensitive information for presumed safekeeping.
An organization with this volume of sensitive data surely would keep this data secure and encrypted, one would think. However, this is not the case. Because of the reckless irresponsibility of an organization we have no choice but to let into our lives, our lives may be changed for the worse as hackers sell or use our personal data for their own gain. There are enough things working against us already ; we do n't need another complication. But now we have to be on guard for YEARS to make sure we are n't victims of identity fraud. I 'm fortunate enough that I know how to monitor my credit, but I 'll still have to deal with any abnormalities when they crop up, and I 'll never know when that could happen. So now I have to check in on my credit every month or so for an indefinite number of years just to make sure I do n't get exploited. 

Please, do everything in your power to ensure that something like this never happens again.
Complaint sub-issue: Information belongs to someone else

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$75.00}
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information is incorrect

Two renter applications made that I did not make. 
First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. 

Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. 

I dont know if this is identity theft or not, but neither of these instances were applied for by my person.
Complaint sub-issue: Investigation took more than 30 days

Account # XXXX XXXX  XXXX XXXX This account is not mine i have reached out the company and they have not responded to me it's been over 30 days and i want this removed from my credit report ASAP
Complaint sub-issue: Information belongs to someone else

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and IQ DATA INTERNATIONAL/ XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXXhat opened last XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
Complaint sub-issue: Reporting company used your report improperly

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX. 

- XXXXXXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX XXXX-ok, then XXXX XXXX- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with Equifax and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed several unauthorized inquiries ( attachments included ) on my credit report. I have sent several letters to the credit bureaus regarding these inquiries. Equifax is the only bureau that has refused to remove these fraudulent inquiries from my credit report. I called them after waiting over 45 days after my written disputes & requests & was advised by a very rude representative that there was nothing he could do & that he did not care if I filed a CFPB complaint.
Complaint sub-issue: Investigation took more than 30 days

Monday XX/XX/2022 I mailed a XXXX letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts
Complaint sub-issue: Information belongs to someone else

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Complaint sub-issue: Investigation took more than 30 days

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Complaint sub-issue: Funds not handled or disbursed as instructed

I am trying to recover money that was taken from my checking account by citibank and wired to an unknown person. I have been a Citibank Priority customer for more than 30 years and have never used their wire transfer services. 

On XX/XX/22 at XXXX I received an email alert from citi that I had added a new payee ; at XXXX I received an email alert that I had been successfully enrolled in wire transfer services. There was a note on email that if I hadn't enrolled, I should call them. I immediately called. 

While on hold and simultaneously online, I watched as three transfers for a total of {$2500.00} were made to a stranger, XXXX XXXX, at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. 

When Citibank answered, I told them that the transfers were unauthorized and fraudulent. I asked to be transferred to their fraud department and reported to " XXXX '' what had happened. She transferred me to another person and I again relayed my story. I was told Citi would investigate and get back to me. I also asked that I get a copy of Citi 's written records adding the new payee and authorizing the wire transfer. I have not received either. 

Over the next couple of days, I put a hold on my Citi accounts, went to my local Citibank office and spoke with my personal banker ( and she told me I was the 3rd person that day to have been victimized by the same wire transfer transactions ), went to the XXXX and filed a report for Grand Larceny, called Citi 's Global Cash Investigation group and filed three notarized affidavits of unauthorized online wire transfers.

Although it's been 3 months, about 10 branch visits and 30 phone calls, I have not received written notice of the disposition of my case. Nor have I been shown written records of the fraudulent transactions. Upon calling the XXXX XXXX XXXX XXXX, I was told I would not be repaid b/c the receiving bank no longer had the funds.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES
Complaint sub-issue: Public record information inaccurate

my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing
Complaint sub-issue: Delay in processing application

I applied for the XXXX XXXX XXXX XXXX offered through US Bank on XX/XX/2019 online after speaking with a cashier at a XXXX store who advised me that the store would no longer accept Visa, but XXXX offered a Mastercard that would be accepted and had great rewards. At the completion of the online application, I received an instant message that I was not immediately approved and further processing was necessary. The following day, XX/XX/2019, I received an email message that I had been approved for a credit line of {$5000.00} and the card would arrive in the mail in approximately 6 days. I received the card in the mail on XX/XX/XXXX. I followed the instructions on the front of the card to activate the card, and the representative texted me a verification code number, asked about the state where my social security number was issued, and other personally identifiable information. She stated she was not able to activate the card, as I needed to speak with their application fraud department to verify my identity with them, and they were only open XXXX. I called the activation phone number on the front of the card on Tuesday, XX/XX/XXXX at XXXX XXXX to speak with the application fraud department. The representative informed me the application fraud department was closed, as their hours were central time not mountain time. After being transferred to voicemail, I called the activation number back to speak with a supervisor in hopes of canceling all prior information with the bank. The supervisor advised me that he was not able to cancel the card because it was held in a fraud delay. I called back on XX/XX/XXXX at XXXX XXXX mountain time, and a representative once again texted me a verification code, asked personally identifiable questions, and then said she could not activate the card, but I needed to speak with the application fraud department. She transferred me and I confirmed application information and the card was activated. I then called the phone number on the back of the card and they canceled my card. I never used the card and do not want the card.
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/XXXX I spoke with Mohela to request my student loan payment plan and payment history. They said I would receive it in the mail in 7-10 days. I did not receive it. I spoke with them again on XX/XX/XXXX requesting it again. I was told that they are not able to keep those records and that they could not send them to me.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  as original lender is incorrect also agency name is not listed also increasing amount owed is illegal, adding {$1.00} to amounts owed,