Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX  XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX  and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Complaint sub-issue: Debt was result of identity theft

ENHANCED RECOVERY COMPANY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Trouble using the card to spend money in a store or online

XXXX XXXX I had a fraud case. I have summitted everything plus extra documents to relia card and was told all documents was accepted. Now they have told me the fraud case was closed the money was out back into my account but refuse to unlock my card. They keep telling me to upload my i.d and keep submitting the same documents I have all month long that have already been approved. They allow my direct deposits to go through each week but will not allow me to access my funds. I am a single mother I have complied every way their company has ask n told me to and I am going on two months being locked out from using my account and debit card.
Complaint sub-issue: Problem lowering your monthly payments

Each year, I submit documentation to " recertify '' my income to continue with the XXXX XXXX XXXX which I did on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX from FedLoan Servicing stating that they " were unable to process your request '' because they needed a different type of documentation. Evidently, I sent them a copy of my contract which has my annual salary on it but they wanted a pay stub. So I mailed them the paystub and then I received a second letter from them dated XXXX XXXX which stated " Your New Payment Amount '' which increased from {$290.00} to {$2100.00} per month. I called and asked why this incredible increase. They acknowledged that they had received my documentation but that it had n't been processed yet and to call back next week. Then I received a letter dated XXXX XXXX that says " Your payment has been adjusted by {$0.00} per month '' and that my new amount is {$370.00} per month. I called and asked them to explain this and they could n't. I asked to have this amount reconsidered because it was too much of an increase considering that my income at the time had not increased. I called again at least two more times. The last time I called was XXXX XXXX and was told just to start the re-certification process over. I asked during that phone call and then followed up with an email through their website requesting a written response to my concerns. They are not responding. When I called and asked what I should do while my request was being considered, I was told to just pay my old amount, which I have done, but now it looks like I 'm delinquent because I had n't been paying the new amount.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This ground for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax NOTICE OF DEFAULT ACTION XXXX REF : alleged XXXX XXXX/XXXX   faulure to comply with the FCRA, FCA to a request for information. On XX/XX/2018 I emailed as per enclose documents to, XXXX has failed to provide any thing to me this is a official statement of fact. You Equifax are required by law to remove this alleged account for there failure to comply, warrants removal immediately. Please do so. All response will be forward to the CFPB for violations. This alleged account was disputed to both of you
Complaint sub-issue: Contacted your employer

On X/X/17 I received a voicemail from D & A services on my work phone number. They stated they were a debt collector on the voicemail. This number is assigned to me at work but recordings can be accessed by my employer. In my opinion this is a violation of the FDCPA.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

In late XX/XX/XXXX, Co-Signer received call saying account is past due by XXXX days. Multiple payment notices had been mailed to the account address which all stated the first due date was XX/XX/XXXX. A few days later Co-Signer received another call stating that the account was XXXX days past due. Multiple times logging into the account the online service portal shows that account was never past due nor delinquent on payments at anytime. 

Lender states that an automatic auditing system audited the account and flagged my summer XXXX course as being out of full time enrollment effectively terminating my 6 month loan deferment as of XX/XX/XXXX. Representative on the phone call confirmed that the bot errored in flagging the account and could see that in the fall XXXX semester I was in fact still enrolled in school fulltime and the account should not have entered into the 6 month period. 

On XX/XX/XXXX both the Co-Signer and my credit scores began showing that the accounts are behind payments by XXXX days. Disputes were filed with the credit bureau as well as a phone call to the lender. The lender confirmed, on a recorded line, that my account was not past due, was not delinquent by that of XXXX days or by any days and the first payment was due on XX/XX/XXXX. As well stated that the delinquency notices had been retracted from the credit bureaus/ On XXXX, XXXX, XXXX disputes with XXXX and XXXX  were " resolved ''. One account on TransUnion was updated as being nondelinquent while the others still show as XXXX XXXX XXXX  days past due. XXXX XXXX  dispute publication shows that the lender confirmed that account was delinquent by XXXX XXXX XXXX days with date of first delinquency being XX/XX/XXXX
Complaint sub-issue: Problem with customer service

I messaged MOHELA on XX/XX/22 formally requesting a refund for payments made since the beginning of the COVID-19 payment pause ( https : XXXX ). 

I have yet to receive even an acknowledgment of my message, and their hotline gives you an incredibly long spiel then says they are not accepting any calls related to this matter when prompted to speak to a representative. 

Their XXXX says 10 business days for a response if I remember correctly. At this point, it's apparent that they're intentionally ignoring the request.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My card was stolen and used to make XXXX fraudulent purchases totaling {$210.00} ( XXXX {$200.00} ; XXXX XXXX XXXX {$6.00} ; and XXXX XXXX XXXX  {$8.00} ). I had completely paid my account, so the only balance comes from these fraudukent charges. I contacted First Progress by phone and was told that " disputes was looking into it. '' I followed up with a letter and there has been no response now for about 30 days. In the meantime I have made {$90.00} in payments all toward these fraudulent charges to keep my account in good standing because First Progress will not process my dispute. Now they have charged me interest and informed me that I have a {$43.00} minimum payment due. Again, ALL of this is on fraudulent charges because I had completely paid off my account. They have also ignored my request for a new card.
Complaint sub-issue: Didn't receive enough information to verify debt

THESE ACCOUNTS NEEED TO BE DELETE AUTHORIZED USED, OR BENEFITED FROM THESE ACCOUNTS.
Complaint sub-issue: Information belongs to someone else

THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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: Personal information incorrect

I am in the process of buying a home, so when the home loan officer ran my application and asked for my credit report from equifax, equifax would not release it because they said that my social security belongs to someone else. I faxed over documents to prove its mine : social security card, birth certificate, passport, Drivers License, w-2, and paystubs. I faxed them over XX/XX/2020. Then to be safe I also mailed them in on XX/XX/2020. 

I have called everyday to see if they received them and they keep saying no.

When I asked what number to fax it to, I got 2 numbers from their representatives, and if you XXXX Equifax theres endless numbers on their website. 
Same for addresses. There are about 4 different addresses.

I made sure i faxed it and mailed it to the right ones and I am still in the blind because they wont say they received them until they are done processing them. They should have clear answers and just let me know they received them and are working on it.

Its been 2 weeks now, I found out about the misinformation on XX/XX/2020 and nothing has been fixed. I am trying to buy a home and can not proceed until this is resolved. 

The other 2 credit companies ( XXXX  and XXXX ) have no issues with my social security number belonging to me or my credit. They should all have the same information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX complaint for anyone to access.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX I authorized a charge for {$1100.00} to XXXX XXXX XXXX. When I received my statement i did not recognize the charge. I am a Senior Citizen and forgot the authorization. I notified Citicard Fraud and they cancelled the card and issued a new card. they informed me in the next statement in XX/XX/2019 that the charge was removed from my card because the matter was under investigation.later i remembered that i did in fact make the purchase for my daughter who lives in NY where the charge took place.I notified citibank that i indeed authorized the charge and there was no fraud and it was my mistake and the merchant had been paid by cash. The merchant XXXX XXXX XXXX demanded payment since the charge was denied by Citicard. I sent a check in XXXX for the {$1100.00} fee to my daughter to pay him. He has never received a payment from Citicard for anything to this date. He was paid in cash for the pool work. 
On XX/XX/2019 i received a letter from Citibank that i no longer disputed the charge and they put the charge fo {$1100.00} back on my account on XXXX XXXX merchant never got any money from Citicard and i have called and spoke to Citibank at Least 18 times about the issue. I cant understand the persons i am talking to an dthey are extrmly polite but cant change anything for me or take the {$1100.00} off my account. I want the {$1100.00} removed from the account.
Complaint sub-issue: Information belongs to someone else

They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts
Complaint sub-issue: Information belongs to someone else

XXXX I am I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018, I purchased cabinets, 2 slabs of granite, and services from XXXX XXXX XXXX. I used my American Express and Citibank Mastercard to pay the {$7000.00} in 2 payments of {$3500.00} each. XXXX XXXX XXXX has failed to provide ALL of the granite and services that were paid for. Therefore, I filed a dispute with Citibank Mastercard on XX/XX/18. I have produced voluminous amounts of documents including text messages, contracts, letters of explanations, photos, etc. regarding this dispute. I have had to submit documents to Citibank on 4 different occasions to prove my claim for not receiving the goods and services I paid for. Today I received a letter from Citibank stating that the merchant will not honor Citibank 's request for the credit based on the information I have provided. I am not sure what more I can possibly do. I was under the impression by the Fair Credit Billing Act that as a consumer, I am protected with making purchases with your credit card. This man collected the full amount of goods and services upfront and has not provided what I paid for. I paid for 2 slabs of granite, which consisted of counter tops for my kitchen and master bathroom, and I still have no counter top, sinks, or back splashes and it has been since XX/XX/XXXX. Where is my protection as a consumer in this matter? Please help!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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: Confusing or missing disclosures

1. Opened the account on XX/XX/2022 successfully. 
2. Key BankXXXXXXXX XXXX customer service sends me a notification for further identification on XX/XX/2022 including proof of residence, driver 's license and copy of social security card through a protected time-limited email chain. 
3. I comply the same day. Two days later, I have to send an additional email to check on the progress. No response for an additional 17 days, from either the customer service through email or phone, since it looked like the application was not in the system, yet they had me provide my personal information on multiple encounters. 
4. XXXX XXXX connected with XXXX from customer service who investigated more on my case. He said I would be getting an email to complete the application and get my accounting information the next day, since I was " approved ''. 
5. XX/XX/XXXX I was, all of a sudden, declined to open the account given a " XXXX Report  '' through an email from XXXX XXXX. Called customer service rep XXXX, and he could not give me a response initially. 
6. I called XX/XX/XXXX, and requested my information be permanently deleted and the account closed since I do not want my information remaining with a bank I have not established a banking relationship with. 
7. Overall, has been an extremely bad customer service representative experience, no clear concise reason as to why they requested additional information and then decided to close the account.
Complaint sub-issue: Debt is not yours

Hello, I received a letter from GB Collects on Monday, XX/XX/XXXX stating I owed {$28.00} to XXXX New Jersey HMO, my health insurance provider until the end of XXXX. During that time period, I was on autopay and never missed a payment. I called GB Collects on Tuesday, XX/XX/XXXX and spoke with XXXX XXXX asking for clarification and proof of the debt. He wasn't sure what the debt was for and said " it might be for a prorated month in XXXX '' which is not possible because I canceled my insurance plan and switched to a different provider well before the marketplace deadline when I moved out of state. I even received a $ XXXX reimbursement from XXXX XXXX XX/XX/XXXX for collecting too much from me when I was still a member. XXXX said he would send me a copy of the proof via email but he never contacted me about it. 

I had not heard from XXXX again until receiving a letter sent to my old address on Wednesday, XX/XX/XXXX stating " After repeated requests, we have not heard from you regarding the above delinquent balance of {$28.00} owed to our client, XXXX New Jersey HMO ( R ). Due to your lack of payment, we are forced to proceed with further collection activity. In order to resolve this seriously delinquent issue, you must remit payment in full of {$28.00} immediately. '' Signed - XXXX XXXX. 

This company is demanding payment without providing proof of claim, which would not exist since all of my XXXX transactions were direct auto-pay. 

Company information : GB Collects XXXX XXXX XXXX XXXX XXXX, NJ XXXX Recovery Agent : XXXX XXXX Extension : XXXX Acct # : XXXX File # : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a number of inquiries on my credit report that were not authorized by me.