Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXX XXXX- XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXXXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Complaint sub-issue: Problem lowering your monthly payments

I have 5 student loans through XXXX XXXX. My monthly payments just went from {$150.00} a month to {$850.00} a month because they came out of deferment. I am a XXXX and I can not afford to pay {$850.00} a month. I tried to refinance my loans to be income based with several other lenders, but I didn't quality for any of them because my credit score is too low. I then called XXXX XXXX to ask them to put me on income based payments. They said they don't do that because they are private loans, but that they could put me on graduated interest payments for 12 months. That only lowered my monthly payment by {$170.00}. When I asked what other options they had for me, the only thing they offered was to move my payment for this month to the end of my loans, but the interest will still add up. So, basically they're offering me one month to somehow find a way to afford this huge monthly payment. There is no way I can afford that, and if I can't make the payments, my credit score is going to go down, and I am trying to increase my credit score.
Complaint sub-issue: Information belongs to someone else

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Trouble with how payments are being handled

At this time, there are payments that are being counted as 'inellgible ' despite a bill being issued on payments from XX/XX/XXXX through XX/XX/XXXX, Payments not being counted from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that should be counted. Can you please look into this? Thank you so much for your help.
Complaint sub-issue: Didn't receive notice of right to dispute

REMEX INXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore REMEX INC ( Original Creditor : XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This credit reporting agency is in clear violation of their own policy on top of violating portions the US Code. Upon speaking with an agent who referred to herself as an expert she refused to provide the information requested as it is not available and does not exist. Their privacy policy states that they must retain and provide a copy of the consumer consent that was provided from the companies in which they are giving non public information upon request from the consumer. They can not provide this as it was never obtained from said companies. Upon speaking with another agent he wasnt even aware of the policies in which he is required to perform under and informed me that I had to provide police reports in order to gain a copy of that information that is pertaining to myself. He also informed me that their company is not able to control, add, nor delete the information which they allow to be reported on my consumer credit profile. Upon this issue happening in the past the agent I spoke with was aware of policy and federal law and did her due diligence and corrected the issue at hand at that time. Also, there are derogatory accounts showing that should not be but this company refuses to conduct proper investigations in order to verify the validity of them, as again that is something they can not do. Per US law they can not just communicate with the creditor in question and return to me an answer that the account is validated. The policy and laws are still the same, however I am continuing to get agents who do not abide and create more stress and problems for me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 2 credit inquiries from this company that i did not authorize. The dates of these inquiries are XXXX XXXX, 2019 and XX/XX/2019. I have no idea what this company is and why they ran my credit.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received an offer to Pay your cable and cell phone bill the easy way and earn a one-time offer of XXXX Rewards XXXX1 when you set up automatic payments or pay one bill at a time with your Fidelity Rewards Visa Signature Card by XX/XX/2022. Contact your providers today to get started. 

On XX/XX/2022 I made a {$25.00} payment to my cell phone carrier XXXX ( XXXX XXXX XXXX ) I received a letter today stating that it did not qualify. XXXX is a cell phone service provider
Complaint sub-issue: Problem during payment process

In XX/XX/XXXX. I received a statement that they are updating the system and the direct deposit needed to be re-entered in the system. I tried to re-enter the deposit with a representative over the phone. The representative helped me to log in however the system was having issues. The representative helped to remove the old account so that I could re-enter the new account. After I completed the update I asked the representative to check the account to make sure the information is updated and that we have everything completed. She confirmed everything looks good and the information and date is set for direct deposit. The following week I traveled out the country, went I got back I received notifications of the payment being late. I am disputing the late payment reporting. I have had this account for more than 5 years and never had a late payment. When I called Discover requesting a courtesy to remove the late payment due to system error and their update as well as having a great payment history, they said there is nothing they can do about it.
Complaint sub-issue: Problem during payment process

I recently tried to open and transfer {$10000.00} into Citi Accelerate Savings account with Citi and when they did not deposit the money into my Citi account from XXXX, I filed a CFPB complaint. In retaliation, Citi has now blocked access to login for my 2 credit cards with them. I have huge amounts coming due on my cards and I need the ability to login and make payment arrangements too from different Checking accounts. They have blocked access so that I default and get a hit on my credit bureau as well as lose money in Fees paid to Citi. I was able to login to my Citi online account TILL I filed the Citi Accelerate CFPB complaint.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Complaint sub-issue: Debt was result of identity theft

I have repeatedly over the last 3onths reached out to XXXX CBNA to resolve a card with fraudulent charges. The card was charged off 2 years ago. Before the charge off I called in to let them know of the theft. My online account access was removed and so I assumed everything was taken care of. Now they are reporting the charge off for fraudulent charges to my credit. I have requested documentation from them several times and they responded that they don't have it. They have no signed receipts, no notations of my contact previously and little else. They refused to open a fraud case because I do not have the statements. They also do not have any documents. They laughed at me and told me there was nothing I could do about it and that I'd have to just pay them. These are fraudulent charges and shouldn't be collected not reported to my credit! I even filed the FTC affadavidt with the bureaus and CBNA.
Complaint sub-issue: Frequent or repeated calls

Received a call from XXXX ( XXXX ) XXXX, associated with the student loan company Nelnet. Company has received numerous reports and complaints. I did not get a voicemail but I have not taken out any loans with this company.
Complaint sub-issue: Other problem

Citibank is refusing to allow me to reduce the balance on my existing credit card account using the {$12.00} check they were required to send me per their agreement with your protection bureau as is stated in the accompanying letter. I would like for them to either honor the wording of the letter or reword it to say I must either deposit or cash the check at my bank, but not transfer the funds from one of their accounts to another of their accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax was hacked and exposed my data to XXXX knows who.
Complaint sub-issue: Other problem

I had some XXXX XXXX XXXX charges which I did not order on DISCOVER card. XXXX agreed and started giving credits. Although credits were coming, I had paid full payment due as it was set up for autopay. Upon complaining they returned {$350.00} check. Now again they issued credit and sk me back {$350.00} when I have hardly used the card. Their security department just keeps sending me statements- ( see attached ) which do not make sense. 

I think card balance should be XXXX as I have paid for those services which I did not order from XXXX and DISCOVER issued me check. Whether credit comes from XXXX or DIScover later is not my concern. Why make me pay again and nullify credit? Second issue is of Inmotionhosting dispute- which you can find I addresed in attached letter to DISCOVER. Please write to me at XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

I gave birth on XX/XX/XXXX, and my child received care from the hospital ( XXXX XXXX XXXX XXXX XXXX in XXXX, MA ) from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I saw claims for this care in my XXXX XXXX web portal and paid them using my Health Savings Account ( HSA ) from Optum Bank. These payments were in the amounts of {$160.00} and {$170.00}, owed to XXXX - XXXX at XXXX. Funds were withdrawn from my XXXX for these amounts. 

However, on XX/XX/XXXX I received a pre-collections notice from XXXX - Neonatology at XXXX stating that my account was overdue, including the {$160.00} and {$170.00} I had already paid. 

I proceeded to call Optum Bank and speak with representatives on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to determine where my payments were. During those calls, I was told the XXXX payments in question were sent via physical check to the hospital department. Customer service reps confirmed the physical address the checks were sent to. This address was incorrect and I provided the correct po box over the phone. I was told a Stop Payment Order would be issued for the XXXX checks and new ones would be submitted to the correct address ( I also called hospital billing to share this info, where I was told they often had problems with HSAs like this ). 

During these calls with Optum, I was promised numerous times that I would be emailed a receipt of payment. I clarified my personal email address to ensure delivery, but never received any communications. 

On XXXX I received a final collections notice from XXXX - Neonatology at XXXX for the amounts of {$160.00} and {$170.00}. I proceeded to call the billing department and pay the full {$330.00} using my XXXX debit card to avoid being sent to collections. Since I had been told the payments were via physical checks, I thought payments could be stopped and I wouldn't lose any money. 

I then called Optum Bank on XXXX to ask for stop payments and was told new information : That the checks were electronic and no stop payment could be issued. I told the customer rep I had received conflicting information previously, to which he had no explanation. 

I asked if the payments could be reversed or canceled and was told no. I asked what would happen if the hospital billing department never processed the payments and if there was any sort of deadline for processing and was again told no, the payments would just stay in limbo. The only possible solution would be for the hospital to call Optum XXXX. So now I am out {$330.00}, with no way of reversing charges or getting the money back, due to numerous mistakes and misinformation on Optum 's part.
Complaint sub-issue: Their investigation did not fix an error on your report

Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.
Complaint sub-issue: Received bad information about your loan

A few years back I moved my federal student loan to a private loan through a company called Earnest ( owned by XXXX ). During the process I feel that the company didn't make it clear that my loan would no longer be federal. So I lost any federal forgiveness incentives and even during the pandemic my loans are accruing interest. This is highly unfair to me as a borrower that information was not presented clearly.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you
Complaint sub-issue: Problem with personal statement of dispute

On or about XXXX XXXX, we were written to notify us that our mortgage loan servicing was being transferred from Ruoff Mortgage ( XXXX or the Company ) to XXXX XXXX XXXX XXXX I was told by a friend that works for Ruoff that the loans were being force-sold due to an audit completed at Ruoff which required all loans be transferred so that the mortgage Company could create its own servicing platform. In the flurry of communication over the subsequent 60 days there were notifications from both Ruoff and XXXX XXXX about direction of payments, etc. In an attempt to confirm that my automatic payments would not continue to be sent to the wrong servicer, I cancelled the XXXX payment believing that XXXX was the first month that was to be directed to XXXX XXXX XXXX However, the communication apparently stated that the loan was being transferred on XX/XX/XXXX and that the next payment ( XXXX ) would go to the new bank. I did note that in the plethora of communication from XXXX there was clear direction that any payment issues/errors during the transition and for a 60-day window thereafter would be forgiven during the process. As soon as I received notification from XXXX at the end of XXXX about the missed payment, I made both payments ( XXXX & XXXX ) for a total {$4300.00} which was initiated through my bank ACH platform and delivered to XXXX on XX/XX/XXXX. However, the previous servicer, XXXXRuoff, did not ever technically receive the XXXX payment and therefore put a 30-day late pay notification on my credit report. I have since spoken to my contact at Ruoff who mentioned that he had heard of a number of complaints from family and friends who had various payment/transfer issues and some that were still outstanding months after the transition. I believe this was part of a broader problem caused solely by XXXXRuoff selling the servicing of these loans as I have had no payment issues with Ruoff since the loan was opened on XX/XX/XXXX. Additionally, I have owned a home since XX/XX/XXXX and have never had a late payment at any point. Its worth noting that in nearly 18 years owning homes, I can not recall having had a mortgage loan servicer change any other time. 

I have no record of communication from Ruoff/XXXX either in written form or voicemails from XXXX XXXX attempting to report or resolve the payment issue. In todays era of spam marketing calls, any financial institution looking to take negative credit action against a Borrower should be required to provide at least a voicemail indicating the need for a call back. I do not know if they attempted to contact me as there were no voicemails, but the volume of phishing/spam calls necessitates that I only return calls from Unknown numbers in the event they leave a detailed message legitimizing the need to return a call. The late payment was simply a mistake resulting solely from the sale of the mortgage servicing as I have had no payment issues and was able to resolve the problem immediately upon notification from the ( new ) mortgage servicer.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Complaint sub-issue: Account terms

Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied  Citi Hilton H  Hono rs visa c redit card by online from  XXXX  on   XXXX   XXXX   and Citibank  accepted my online application, and send me visa card #    XXXX  ending, only reason i applied they offered  XXXX  points promotion online ; earn  XXXX   XXXX   XXXX  honors bonus point, after making $  XXXX  in purchases the first 3 months of account opening, so i already spent $  XXXX  then i asked my promotion points from Citibank, but they denied several times, i called them several times, i faxed their promotion offer copy which i printed from Citibank web page  XXXX  and i mailed either, so far i can not get  XXXX  points.   they manipulate the customers and they lie about online marketing  XXXX  points normally cost $  XXXX  cash value, please help me get my points as they promised on their online offer, i have Citibank web pag  e print i can send you if you need it.
This is a online marketing manipulating & corruption from Citibank.
Complaint sub-issue: Debt is not yours

Im having a problem with I.C. System INC they are a debt collector for XXXX  communications. They are saying I owe XXXX the Information was updated XXXX. Theyve put 3 derogatory remarks on my XXXX  credit report for the same account. Ive had this same issue with a different collection agency for XXXX  for the same XXXX owed to them but this was on my XXXX  report. I spoke with XXXX  and disputed on my XXXX  and the account was removed from my XXXX. Now 5-6 months later its a different debt collector and a different credit report. And everyone knows you cant call and speak with anyone at XXXX. I called i.c. System inc and told them I have a letter from XXXX  and the account does not belong to me the account belongs to a guy named XXXX my name is XXXX these are 2 different names! The address that this account is linked to Ive never lived at! I also currently have a open XXXX  account in good standing, and Ive had this account open for years. They do not care! They told me to contact XXXX  about this account. And hung up on me!