Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) On XX/XX/2022, I discovered BMW Financial Services on my credit report, Account # XXXX had been re-inserted into my credit file. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Between XX/XX/XXXX and XX/XX/XXXX, my loans in repayment ( Loans 1 and 2 ) under the Pay As You Earn ( PAYE ) plan were moved from repayment to forbearance status without my knowledge or consent. On XX/XX/XXXX, XXXX representative XXXX confirmed that this was standard practice, despite the fact that XXXX previously assessed a payment under the PAYE plan towards Loans 1 and 2 on XX/XX/XXXX. Upon escalation, representative XXXX also informed me that this is standard practice and that XXXX ( my prior servicer ) essentially messed up and should have put me in forbearance instead of repayment. A XXXX  representative confirmed with me at approx. XXXX EDT on XX/XX/XXXX that I did not recently request any loans being placed on forbearance and that the loans in question were in repayment status under PAYE before they were moved over to XXXX  . I never requested a new forbearance to be applied to any of my loans this year. As I am working towards PSLF, I had to request the forbearance to end, but they informed me that, despite those loans having already been in repayment, interest capitalization would occur.
Complaint sub-issue: Account status incorrect

All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to Fed Loan ( XXXX ) and I'm not delinquent.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. Flagship supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.
Complaint sub-issue: Reporting company used your report improperly

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Please delete this account from my credit report. 

1. Account Name : XXXX Account # XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Company closed your account

SQUARE Since XX/XX/2020 we started to sell products through our web page XXXX   and our e-commerce was Square. The first days we passedseveralcontrolsof safety verifications with Square. Since day one, Square knew that our clients in XXXX paid with pre-pay credit cards.We have 84 transactions without problems.Aftereach sale, we received from our clients the Payment Authorizations and we shipped their productos. The shipping policies are in our website XXXX. In XX/XX/XXXX, four XXXX  clients bought some products and each client paid {$1100.00}. Two hours after, we received the terrible email from Square Were sorry to inform you that we are deactivating your account. We reviewed you account and found that your Square account processed an excessive amount of prepaid card transactions, with violates the Square Seller Agreement, and your outstanding balanceof {$4700.00} will be reserved for up to 180 days ( but no less than 150 days ). It was terrible for us! We shipped all products to the clientes, and we received from their the Payments Authorizations.Until today, we have not been able to contact Square, they have a big wall, by phone we need a code, they dont have email. We have the payment authorizations and its no problem, its safe to us and to Square. Square wrote that if we need the money, we may refund the payment back to the cardholder account, but its impossible!!! the Argentinian banks said that we need resolve the problem with Square. Square knows that in XXXX banks dont exist payment back and that Chargebacks dont exist.You can read that in many forums on the internet many people complain about the same situation with Square.They do not find a solution.We discovered that square to all those small businesses thatholds their money for 90 days.Our sales have been to XXXX people and Square is discriminating and they are applying a return term of 180 days.This is very bad.Please, helps us, so Square can refund us our money, the pandemic is hitting strong our economic. We are a small home business. We did spontaneous videos, but the COVID changed our business life.
Complaint sub-issue: Information belongs to someone else

You, MONEYLION INC # XXXX, Inc must be a Third-Party DebtCollector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURESTATEMENT and return within 15 days. Failure to respond with the completed CREDITORDISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the penalties of Perjury and verified by your affidavit, you, MONEYLION INC # XXXX, Inc are agreeing to your Commercial Dishonor, exhausting My AdministrativeRemedies. I will accept your Silence as an Acceptance, and your agreement that a Default entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to MONEYLION INC # XXXX, Inc to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with MONEYLION INC # XXXX.
Complaint sub-issue: Information belongs to someone else

I AM A VICTEM OF EQUIFX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES
Complaint sub-issue: Information belongs to someone else

Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of report
Complaint sub-issue: Account sold or transferred to another company

Please I need help. 

Hello I am writing out to you all as I need help. I signed up back XXXX for Best Buy Citi bank credit card. I have never missed a payment was always on time. 3 months ago I received a notification for payment due. I went ahead and made the payment online and received a confirmation number. The day after I receive it still hasnt taken my payment. I called in to see if they taken my payment, by my confirmation numbers. The lady said it could take up to XXXX days for payment clear my account. I waited a week and still was there the payment was taken and next week was reversed back to my account. This was a 3 week process overall I went after it was reversed to Best Buy to make a cash payment in person. By the time I did that they informed me my account already closed. I have read both cities bank/ Best Buy policy about the credit card and no where does it say this account can close for being 1 month late in payment. I actually called in yesterday and they informed my account has just went in collection XX/XX/XXXX. Which is such a lie I couldnt even access my online account at all and that it was closed months ago. I need help retrieving this account and from my points decreasing dropping.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these account is not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to this account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was initially charged for {$5100.00} in XXXXXXXX XXXX XXXX  for an unauthorized purchase. I had contested this charge and received no relief despite being clearly fraudulent. I recently received a charge back after once again disputing the charge this time to CFFB. The address, phone number, shipping address and email address used for the purchase do not match mine that was on file with discover. Clearly this was a fraudulent charge and Im being forced to pay for something I didnt purchase. Please help me resolve this clear case of fraud and absolve me of someone elses debt.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters on XX/XX/22 and have not received a reply.
Complaint sub-issue: Debt is not yours

I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

I had a credit line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX I received an alert on my credit report showing delinquent accounts that had been given to a collection agency. This had happened to me previously, 2 years prior and similarly, I had no knowledge or consent given regarding the accounts and with deeper inquiry had found inaccurate addresses listed in my personal info on my credit report as well. The accounts were quickly verified as fraud and I had my credit report updated to remove the incorrect Georgia addresses as well as a fraud alert statement added and then my credit frozen with all 3 bureaus ; this was completed in XXXX and neither the alert nor credit freezes had been removed when I received notice of these new " delinquent accounts '' in XXXX of this year. 

I reached out to the collection agency, IQ Data International using the information listed on my credit report and was told that they would mail me a fraud packet regarding the fraudulent activity from XXXX XXXX XXXX ( GA ). When I hadn't received this packet within the week, I called back for an update and was told it had already been sent, but since I had been told by their agents that I would only have 10 days to dispute the charges, I requested a second packet be sent. In the meantime, I sent my own packet to the collection agency with my ID Theft Report, a notice to furnishers, and my government issued ID on XX/XX/XXXX. I received from them 3 days later a letter informing me of the debt they were holding me accountable for, and at that time I mailed them back their requested copy of a police report, proof of residency ( I have never lived in GA and have been at my current residence for XXXX years ), and my government ID. 

On XX/XX/XXXX I received the initial packet back in the mail as undeliverable, so I called the collection agency to check for updates. They confirmed they had received my response to their letter and said they had reached out to the supervisor at the apartment complex. I have been unable to find valid information online for the apartment company listed as the initial account, and the number I did find was someone's personal phone line ( they hung up on me when I asked questions ). I asked the IQ Data agent if they were able to also give me the address for the complex so that I could send them notice of my identity theft and they quite aggressively told me they would not do that and that I could wait a week and call them back to see what they decided and then they ended the call. I called back immediately and asked an agent for a good mailing address to send in additional documentation ( the packet that had previously been returned as undeliverable ) and was given an email address that I used to send over that initial packet.
Complaint sub-issue: Unexpected increase in interest rate

I had received a letter from Macys stating there will be changing my account terms annual percentage rate for purchases to 25.99 % previously 21.99 %. on purchases made on or after XXXX/XXXX/2017. I had went and checked my statement for XXXX 2017 and it shows interest increase to 25.99 % and I had not made a purchase since XXXX XXXX  2017! I tried calling the phone on the letter XXXX it lead me to option either 1 to accept terms or 2 reject and automatically have account closed. As you know if I opt for # 2 this will hurt my credit score. I do have excellent credit and feel as I am being wrongfully taken advantage of by there unfair practices. I would like this resolved Asap!
Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I was insured with XXXX XXXX XXXX via XXXX. I have confirmed with XXXX XXXX XXXX  that I was covered XXXX ( with no lapse ). My treatment was XX/XX/16 during the coverage. XXXX XXXX is saying they called on XX/XX/16 and were told that I had no coverage so they never billed XXXX XXXX. I did not receive collection notices on this debt. I found out about the debt because a credit application was denied and I pulled my credit history. XXXX XXXX never submitted the claim to my insurance, they refuse to provide me the bill and medical records so that I can submit the claim. The original amount was around {$1500.00} but it is now up to $ XXXX. I believe this is an error on XXXX XXXX not submitting the claim properly. XXXX XXXX would owe the claim but since I don't have anything to submit, I can't even submitted it to them. My guess is that there maybe a SOL on submission as well. I have been trying since XXXX of this year to get the billing and records. The collection company has not provided them. XXXX XXXX says I need to contact the Collection company Progressive Management ( which I have done multiple times ). XXXX XXXX refuses to provide me proof of the bill and records so that I can submit the claim they should have submitted to XXXX XXXX. Progressive Management says the claim is to old so they won't submit it to XXXX XXXX. I am in this loop of nobody giving me the supporting documents and they have never even submitted the claim to XXXX XXXX my insurance.
Complaint sub-issue: Account status incorrect

Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
Complaint sub-issue: Received bad information about your loan

*XX/XX/XXXX - Started XXXX XXXX job and XXXX was servicing my loans at the time *XX/XX/XXXX - Asked about student loan forgiveness and XXXX told me that because I was working at a XXXX XXXX   job that I could receive student loan forgiveness.

XX/XX/XXXX*I was told my a co-worker at my XXXX XXXX job that I needed to fill out some information regarding my XXXX XXXX  status *I contacted XXXX   and they agreed ( never told me to fill anything out in the past ).

*Information was filled out and submitted to XXXX showing backdating to my XX/XX/XXXX hire date that was verified by my employer *XXXX told me that I had to be on an income driven repayment plan for student loan forgiveness, which actually lowered my payment. They told me that because I was paying more than the amount at the reduced rate that all of my on-time payments in the past would qualify for student loan forgiveness XX/XX/XXXX*Received information that XXXX would now have to service my loans due to the Student Loan Forgiveness Status XX/XX/XXXX *Asked XXXX XXXX , why my qualifying payments only showed a few payments instead of all payments backdated to theXX/XX/XXXX ( when I started my XXXX XXXX job ).

*They told me that they would have to verify with XXXX that all payments were " close '' enough to the payment that I had with XXXX ( as well as verify that my payments were on-time ) to have all of my payments reflect my XX/XX/XXXX XXXX XXXX start date Numerous months during XX/XX/XXXX and XX/XX/XXXX *Asked XXXX about the status of the XXXX verification and nothing could ever be done, escalated to supervisors on more than one occasion via chat and phone call XX/XX/XXXX *Told by a XXXX representative that none of my payments from XXXX counted towards student loan forgiveness
Complaint sub-issue: Threatened or suggested your credit would be damaged

Stafford Group has contacted several family members, work, etc. demanding money for a collection account for the entire month of XX/XX/2022. My personal vehicle was brought up as a threatening tactics to try and scare me. Did research on this company and have found several negative reviews of this being a scam company the XXXX has lots of complaints from this company including a website that redirects you to XXXX Validation letter from the company has never been received with break down any debts own.