Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is my follow up endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. 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 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: Billing dispute for services

XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' ACIMA CREDIT XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
Complaint sub-issue: Investigation took more than 30 days

My student loans are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows 90 days late the next month after on-time payments. This simply isn't possible. I tried contacting Equifax, XXXX, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.
Complaint sub-issue: Other problem getting your report or credit score

BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM EQUIFAX AND XXXX. XXXX TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY XXXX ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A XXXX ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM XXXX XXXX XXXX WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL XXXX CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR EQUIFAX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT EQUIFAX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account 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. 


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

I was notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Denied request to lower payments

Flagship credit acceptance rep XXXX contacted a reference on my account and provided detailed information on amount I was past due and provided information about my account which included a statement I need to turn that vehicle in by XXXX or there going to take legal action. I also have a voicemail that was left on a reference with the same information.
Complaint sub-issue: Funds not received from closed account

On XXXX, 2021, PNC bank locked my checking account and removed all my funds in it. They did it because they believed that there were some fraud XXXX XXXXransactions to my account. However, they did not provide me any other information, for example, the exact transaction that they believed was fraud. And when my bank account was closed, there were {$4400.00} in it. According to my own investigation and PNCs response, there were only {$1900.00} of all my funds was claimed, and the rest of them were not claimed by the sender. However, I have contacted PNC from the day my funds were locked till now, and they refused to return my funds without any documented reasons. I just hope to get my funds back since I know that not all the funds were claimed by the sender, and PNC has no right to hold and use my money for any actions.
Complaint sub-issue: Old information reappears or never goes away

Due to this taking 3+ years of my life to try to correct the mistakes that these credit report companies have done, I am not going to list the multiple calls & multiple letters ( the letters included copies of their reports & each companies letter every time I sent them ) to correct the problems with them all. Now, the only credit report company I still have problems with is Equifax. They still have 6 companies that they still are refusing to remove from my credit report, companies that are 10 or more years closed & that I have sent letters from those companies stating the accounts were closed. Equifax also will not give any information on me to any company that requests a credit report on me, they say they can't find me. Enough is enough, this needs to be fixed ASAP.

Kudo 's goes to XXXX for quickly removing all of the incorrect or outdated info from my credit report. The XXXX  & XXXX  companies did remove the incorrect & outdated info in a timely manner. I just want my life back & not have to deal with any more. Please help me!!!!!
Complaint sub-issue: Problem lowering your monthly payments

So Im a XXXX XXXX graduate of 2018 and I now and dealing with Sallie Mae, these people have no intentions of being able to make my payments easier for me. My monthly payment is twice as much as my rent and I am unable to make that payment, I work two part time jobs to make ends meet and I try to at least pay XXXX towards my loans. Since then Sallie Mae has ruined my credit score, I just want an payment based on my income to help me.
Complaint sub-issue: Account status

I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help!
Complaint sub-issue: Don't agree with the fees charged

I called my XXXX XXXX company at XXXX, they directed me to an agent from XXXX XXXX XXXX, XXXX XXXX. He told me that if I sign up with their service I will automatically be signed up to the 10 year loan forgiveness program. The fee was {$990.00}. I asked him several times that if I sign up and pay the fee I will only pay student loans for 10 years, he said yes. So I agreed to the fees. Once my loans were consolidated and under XXXX XXXX, they told me I was not yet enrolled in the forgiveness program. So I feel that I was lied and scammed by XXXX XXXX. They told me as soon as I pay the processing fee I would be enrolled in the forgiveness program. The agent should have told me that I had to submit an application directly to XXXX XXXX and that there were further steps before I would be enrolled in the forgiveness program. I would have not paid their company if I had to do it myself anyway. 

Their fee is ridiculously high, {$990.00}. They should have only charged {$300.00} at the most. They should also tell their clients that they are a 3rd party that assists with loan management but that clients can submit forms and applications directly to XXXX XXXX. Companies like these should not exist because they are only taking away more money from students by making it seem that they helping. Students with loans need to be advised on what to do about their loans and options that they have but not be charged {$1000.00} for it, that is too high. 

There are also emails between me and the company where they asked for recent income but after i emailed them my paystubs, they failed to process but will again send another email to ask for income verification. They are not timely or organized in how they request and process client 's documents. It caused me to make a payment that was not updated timely. I made a payment of {$300.00} but then got a letter a week later that the payment amount was changed. I emailed paystubs and XXXX XXXX verification on XX/XX/XXXX on XX/XX/XXXX they asked for my income verification. It takes them a month to respond and with the wrong response. 

For other consumers, don't think that 3rd party companies will help. They will only charge a huge fee for things you can do yourself. Speak directly to XXXX XXXX for the loan forgiveness programs.
Complaint sub-issue: Debt is not yours

My social security number was used by someone else in XXXX of 2014 to open this account
Complaint sub-issue: Didn't receive advertised or promotional terms

In XXXX, I activated the Citi Dividend MastercardQ4 2021 5 % bonus restaurant category. Citi did not add the bonus amounts to my account for the restaurant purchases that I had. I called customer service but the rep told me that it wasn't activated.
Complaint sub-issue: Trouble getting information about the card

Hello, I was issued a prepaid card for {$750.00} from my employer with ADPMoneyNetwork, and when I called the number to activate it, there is only XXXX on it. Also, I am not able to register for an account on the website or app, moneynetwork.com. All of the information I entered is correct. 

I called customer service at XXXX and provided my information, then I was told that my birthday information was wrong and I need to send a copy of an ID with a birthdate on it to a fax number, which is XXXX. When I asked why my birthday information was incorrect I was told that I have to send that document or my account would be closed and I would lose my funds. I was just told that my birthday was the wrong month so I needed to send them a document proving otherwise. I never gave them this information in the first place so I don't know how they got it wrong. 

I can not get through to anyone on the phone or on the website.
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
Complaint sub-issue: Account status incorrect

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. XXXX, Equifax and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus Equifax, XXXX, and XXXX. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. Equifax, XXXX, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.
Complaint sub-issue: Reporting company used your report improperly

Read an online news article published XXXX/XXXX/XXXX about Equifax 's security breach that occurred XXXX/XXXX/XXXX and was not disclosed by them until now. I immediately logged on to their website and checked if my identity was compromised, I was informed by them on their website that my data was indeed affected/breached/stolen. I did not receive from Equifax, an email, a text message, a letter of explanation, nor a phone call informing me of their lack of securing my data.
Complaint sub-issue: Investigation took too long

Equifax has taken longer than 30 days to complete an investigation. The XXXX and myself have made several contact to XXXX - and we have received no response.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I do not have a contract with this company. These people are trying to make me pay money that I do not owe.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( 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 an account without my written instructions.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XX/XX/2020, my sister had messaged me saying that she had received a phone call from a lawyer looking for me and that I was a suspect in a crime. My sister called me and we spoke about this also. She said that the woman said her name was XXXX and she was looking for me because my name was put down as a suspect for a crime committed. I called the number that called my sister and immediately I was asked to verify the last four of my social. I do not even know who I am speaking to, I told the woman. She stated her name and said she was a debt collector and was calling about my debt, which is wrong in amount, to XXXX. I told her the amount was incorrect during this phone call and she did not seem to care. I filed a complaint with XXXX, also. I explained to her my circumstances and I explained to her also that XXXX promised to reduce my owed debt to my original debt of {$1000.00}. She did not care. I also asked why she was calling my family and lying about who she is claiming that she is a lawyer and I am a suspect in a crime. She did not have much to say to this. This violates Section 807 of the Fair Debt Collection Practices Act. She also never informed me, like every debt collector has to, that I have 30 days to dispute the debt. After speaking with her and getting nowhere after telling her my circumstances, my dad calls me and tells me the same thing. That a lawyer called looking for me because I am a suspect to a crime. Then my grandmother had said that the woman called her also, claiming to be a lawyer on the voicemail and said she needed me or my lawyer to contact her to settle the matter. This is in total violation of the FDCPA. This woman was rude, and she has harassed my family and lied about who she is and what she is calling for. If this woman making false representation does not get taken seriously, I will be taking further action also. XXXX sees all and knows all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day.

I called to cancel my appointment that I didn't want to apply for the promotion.

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first.

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do.

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report.

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan.

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
Complaint sub-issue: Transaction was not authorized

my XXXX debit card ending in XXXX, cvv # XXXX, exp XX/XX/XXXX had an unauthorized charge/deduction from my checking account/debit card on XX/XX/XXXX at XXXX XXXX   est. I was in the city of XXXX, Illinois simply visiting on my way back to new York a few days later. However, when I pulled up my accounting ledger from XXXX XXXX/XXXX XXXX it clearly showed the reason that my account balance is not balanced ; the balance is off by $ XXXX {$150.00} than what it should be. In other words, my current balance should be about {$150.00} higher than what it is currently showing with the monies missing, which I did not charge nor authorize that deduction, either. That unauthorized charge from my XXXX debit card ending in XXXX, cvv # XXXX, exp XXXX is from merchant : XXXX, XXXX, XXXX, CA, PURCHASE, {$99.00} ( XXXX XXXX DOLLARS AND XXXX XXXX CENTS ). I DID NOT AUTHORIZE THAT CHARGE AND DID NOT MAKE THAT CHARGE MYSELF EITHER!! I simply want those stolen monies from my XXXX debit card returned back to me because I AM ON XXXX VIA U.S. SOCIAL SECURITY ADMINISTRATION IN XXXX D.C. AND I RECEIVE MY XXXX ONCE PER MONTH DEPOSITED TO MY XXXX DEBIT CARD. THE FIXED INCOME I RECEIVE IS ALL I HAVE TO LIVE ON TO SURVIVE. I LIVE IN POVERTY AND AM A TRANSIENT. I CAN NOT AFFORD TO HAVE SCOUNDRELS STEALING FROM ME! THE NUMBER FOR U.S. SOCIAL SECURITY ADMINISTRATION IS XXXX. I HAVE ATTEMPTED TO CALL THEM BUT WAS UNABLE TO FOR TODAY. I WILL TRY AGAIN TOMORROW. HOWEVER, I SIMPLY WANT THOSE MONIES PUT BACK ON MY CARD. MY XXXX IS A DEBIT CARD ; IT IS NOT A CREDIT CARD!!!! THIS IS THE RESPONSE I RECEIVED FROM XXXX : Thank you for your inquiry. XXXX does not issue credit or payment cards. Please contact the issuing bank at the toll free number on the back of your card in order to resolve this issue. Please also note that we have removed your card number and CVV code in order to further protect your identity and payment card. 




Investor Relations XXXX XXXX XXXX XXXX XXXX, NY XXXX tel XXXX ... I SIMPLY WANT THE IDENTITY THIEVES PROSECUTED AND BLOCK THEIR ACCESS TO MISUSE MY BANKING DATA AND PERSONAL INFO. THANKS. XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.