Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was in the process of refinancing my mortgage. 
I received a call from XXXX XXXX advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give XXXX XXXX permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.
Complaint sub-issue: Trouble with how payments are being handled

My student loans are currently being services by Pennsylvania Higher Education Assistance Agency. I have had several periods of " qualifying employment '' through the Public Service Loan Forgiveness program. I believe that PHEAA has overcharged me, which results in payments that carry over into the next billing period and result in fewer qualifying payments.
Complaint sub-issue: Debt is not yours

The phone bill was in my name for my deceased mother in law. I have contacted both AFNI and XXXX  to pay the {$200.00} because this collection is negatively affecting my credit. Ive wanted 2 months for someone to contact me back and no one has! I have had XXXX cooperation to try to take care of this debt.
Complaint sub-issue: Debt is not yours

They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person.
Complaint sub-issue: Frequent or repeated calls

I reach out to Citi Bank numerous of times XXXX mail & over the phone, just to ask them to move my old debt thats paid off and almost reach it statue of XXXX years but however, they told me I have to contact the XXXX credit bureaus but the bureaus told me I have to call the company. so today on XX/XX/2022 I called XXXX and I was told i need file a report. I explain to XXXX about the circle I keep going in, yes my debt is paid off but however im asking for an removal off my credit report. XXXX XXXX XXXX keep stating the same thing when reach out to the companies. I feel im not being help right
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending dispute letters to XXXX XXXX, equifax, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and equifax seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX  to the other two bureaus but still have no response.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. XXXX Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under XXXX ( a ) ( 3 ) or the income-based repayment plan under XXXX ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /s/ XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX keeps sending this debt to different agencies after it was already disputed and removed off my credit report. They are illegally do this. Jefferson capital system is now reporting this on my credit report. Please remove it ASAP
Complaint sub-issue: Called before 8am or after 9pm

XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.
Complaint sub-issue: Reporting company used your report improperly

I found items on my credit report that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX Account # 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 XXXXXXXX, these accounts has violated my rights according to 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Fee problem

TCF Bank Charged me several overdraft fees on my account. The problem is that multiple transactions had been fraudulent. I attempted to call and file fraud alerts on my account on several occasions. Each occasion TCF refused to work with me or co-operate. I filed a XXXX case against TCF. In this case I requested that TCF provide proof that i authorized, signed for, initiated and or requested the transactions that caused the account overdraft. 

XXXX {$9.00} XX/XX/2018. 
XXXX {$9.00} XX/XX/2018. 

TCF refused to provide proof. They provided no supporting documentation, validation, or verification that said transactions were done by me and not fraud. I again requested proof as i had on multiple occasions advised TCF these transactions were fraud and TCF refused to act and expected me to be responsible for paying the fees directly resulting from the fraud accounts. TCF again refused to provide any proof other than a flimsy written statement that the transactions were valid. I called TCF yet again and spoke with a manager advising them this was FRAUD and that I DID NOT AUTHORIZE the transactions and that i demanded proof since they at this point sent the balance to collections, harming my credit over a fraud transactions i should not have to pay. TCF again refused. According to law if they can not provide sufficient evidence or proof validating ownership of debt and or authorization of transactions then they must comply and remove the debt. TCF has refused, going so far as to say that i have to prove it was fraud. Which isn't possible because i have no access to whoever initiated these transactions without my consent.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy.

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.
Complaint sub-issue: Account status incorrect

Trellis Company # XXXX is reporting inaccurately on my credit report. This was included in my chapter XXXX bankruptcy that I filed back in 2016. This account should not be reporting as an active collection.
Complaint sub-issue: Debt is not yours

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to IC Systems Inc. on XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. IC System Inc. claims I owe a debt from a XXXX XXXX Bill that I actually left in my given time. I had my Personal FinanciaXXXX Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by IC System Inc. Therefore, by the FDCPA IC System Inc. fail to prove that I had a bill from XXXX XXXX. So, IC System Inc. was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and IC System Inc. agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, IC System Inc. is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of IC System Inc. from my credit report. I am going to provide all my evidence to my case.
Complaint sub-issue: Don't agree with fees charged

I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.
Complaint sub-issue: Account status incorrect

The credit bureaus will not fix the collections account for XXXX XXXX I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;
Complaint sub-issue: Can't decrease my monthly payments

MOHELA does not allow payments to be made on accrued interest for existing loans if you continue to borrow. So you can not reduce the interest that will be owed on your loans when you graduate. This information is not clearly available anywhere on their website, and when attempting to pay off my accrued interest via phone, which is apparently the only way to direct payments, the representative assured me that my payment would be applied as directed. It was not until checking my account the following week that I was made aware of the error. Finally after calling another different representative they finally informed me that their rules did not allow my intent.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Didn't receive enough information to verify debt

Received a letter from Amerifinancial Solutions advising of collection amount in {$630.00} and not verifying the debt was owed by me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2020-Discovered I was paying a surcharge on my policy because I was deemed at fault based only on the cost of damages after my low deduction that I paid more for. XXXX told me to call LEXISNEXIS after I got the accident report from the police department and pulled my drivers record. 1st call XX/XX/20 went through the automated phone menu-suppose to receive something 5 to 7 days later. Nothing. Asked XXXX for the report # thinking it would help and made 2nd call XX/XX/20 and again got nothing. There is no option to talk to anyone and are given 2 websites so fast I had to call several times to get it. Again nothing. Called XXXX  yesterday and they just told me that they can change my policy if I can just get them to change their report. 3rd call today. I have basically had to pay for all damages in raised rates for something I didn't do.
Complaint sub-issue: Other problem

Citibank XXXX brooks brothers XXXX XXXX XXXX reduced my credit limit without any warning and without any notice at all prior to doing so, so that my account went all the way to 99 % utilization rate, on XX/XX/2022, when the most recent payment was due, and the date that I made a payment. I have never missed a single payment on any credit card or loan account and have never had an issue making more than minimum payments. I never received any mailing or notice about a decrease or any warning about it. the company did not even tell me, another identity theft protection plan I use told me about the credit decrease and the resulting increase in utilization rate. This is a violation of the fair credit reporting act because she stated that the reason they did so was because of payment delinquency ( not true ) which would required the notice. She said that the notice would be received in 7-10 days from TODAY, XX/XX/2022, which is days after this all apparently happened. 

I reached out to customer service and the lady was rude and said it was the credit agency 's fault and that she could not do anything. When I brought up that I was charged a late fee on XX/XX/XXXX, and then refunded that same late fee on the same date she got agitated. Then when i asked why I never received any notice or warning about it and she said that Citibank doesn't do that and wouldn't do it without telling people. I let her know that I never received any warning or notice and that literally another company which I pay to protect my identity were the only reason I found out. She said XXXX did the report but that doesn't mean that I shouldn't have been told about it. Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

I don't care ultimately about the credit line or these nefarious people with suspect practices but I never was even told about it. no notice at all. it is not right. 

Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

Also the document and the website says i requested a cash advance which never happened.
Complaint sub-issue: Fee problem

PNC has been killing me with fees and i would like to know why. we have been through this already. 
Ive tried to talk to them they dont want to discuss, very nasty. Customer service was bad. Never went through that. 
They said that I was entitled to a certain amount of refunds on fees every year. 
PNC told me that. 
They have taken in the past two months maybe more, but for two months fees on overdraft and I do not have overdraft protection feature on my account. If its there it should not be because i didnt agree to it. 
The amount they need to refund me is : last month XXXX and this month XXXX. 
If theres no money in there dont put it through
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/ {$80.00} XXXX  {$200.00} XXXX  {$300.00} XX/XX/ {$300.00} Transactions that occured through cash app. It was a scam for a property that was said to be for rent. I had requested a refund through the cash app with no response yet to my concerns. I am concerned not just for myself but for the many lives who have been a victim of fraud.
Complaint sub-issue: Problem getting your free annual credit report

Called XXXX on XX/XX/2018 to get annual credit reports. XXXX and XXXX sent report right away. Called to request Equifax again in mid XXXX. Called today and finally spoke to a live person at Equifax. Answered bunch of questions and then I had to answer another batch " for security purposes '' which seemed designed to thwart all efforts to get a credit report. I was asked for specific MONTHS that I first got each of my credit cards, even though I have had 2 ( of 3 ) for more than 3 decades. I have been retired for over 20 years, told them who my last employer was, but they wanted to know what my last title was. They asked what MONTH I placed the security freeze on my account. They asked what my last balance on X credit card was. ( all of my bills are paid automatically via my checking account. ) The level of detail they required was exorbitant. Then they told me I had to send them a copy of my drivers license and social security card via fax. Most public fax machines retain the info they scan. Can't see how that was a safe request. 

I have lived at the same address for over 22 years. I just wanted them to send the report that they have sent me every year for the past 10 or 15 years. I don't know what is different this year. The other two agencies had no problem sending me a report. I am over 60 years old and could not possibly remember some of the detail asked of me, especially inconsequential details from so long ago. The entire " confrontation '' seemed designed to discourage to the point of denial of my annual credit report.
Complaint sub-issue: Debt is not yours

I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from report.