Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

I have had two ( 2 ) credit card accounts a savings account and a checking account with US Bank. The attached documents will prove this. 

I was never late with my credit card payments ( ever ). A branch manager treated me poorly regarding my checking account so I gave his branch a 1* XXXX review. At that time in XX/XX/XXXX, I filed a complaint with the bank to his supervisor a Mrs. XXXX as directed by another branch manager. She never responded. Then in as a punitive measure, the branch manager closed all of my accounts with no reasons given on XX/XX/XXXX. This has harmed my credit and caused me a great deal of difficulty as I was on vacation in another country when this action was taken. 

I called a regional office who told me " they could not see why in the world they would have closed my accounts ''. I was talking to a XXXX XXXX on XX/XX/XXXX who had all of my account information in front of her. She confirmed my statement about my excellent ( perfect ) pay history and asked me to send an email recounting my story and that she intended to escalate the matter because she believed I had been mistreated. This has since been confirmed by XXXX XXXX Operations for US Bank. 

I filled a complaint with CFPB ( case # XXXX ) on XX/XX/XXXX. US Bank has fraudulently told you that they do not recognize me as a customer ( reference your letter dated XX/XX/XXXX ). Clearly, the attached documents will prove they are untruthful and further avoiding responsibility. 

Based upon the foregoing and US Bank 's attempt to mislead your agency, I respectfully ask that you open a new complaint with this additional information. 

Thank you
Complaint sub-issue: Received bad information about your loan

I was working as a XXXX Employee, and I'm doing Public Interest Loan Forgiveness. My job was ending, and I know there would be a gap in employment. I called the servicer to see what my options were and I was told the only option was a forbearance. I had the ability to make payments but in a lesser amount. I began a job working for the XXXX at a lower salary ( substantially ). I notified the servicer that I wanted to be taken off forbearance and to make payments. I submitted a pay stub, and was told I needed to redo and IDR application, which I did. I keep getting contradictory information. I had previously submitted documentation that they lost. So now I am uploading to the portal. 

In hindsight, I think I should have been offered a 0 percent payment since I was not working. The customer service people keep telling me contradictory things. I was also told that the amount is based on gross income not adjusted gross income which is a big deal. I have several mandatory deductions as a XXXX worker that dramatically reduce my AGI. 

I would like to know how long the servicer has to review the applications. Every time I call there seems to be a pattern of blaming the consumer, instead of reviewing the applications. I think this is purposeful especially when you need to repeatedly send in the same documents. I am going to send in a payment but I started this process over three months ago and they are continuing to kick the can. If my payments are not on time I am not getting credit for the payments toward my PSLF. Do I get the same benefit when the servicer, loses my paperwork, gives me false and misleading information and then blames me when they can't process the paperwork. What laws govern how long they have to review these documents. 

My goal is an affordable payment based on income, and I don't want interest capitalized because they are giving people ( myself included ) the wrong information. Who services these loans? Is it a private entity do they have shareholders? Are my tax dollars subsidizing this outfit?
Complaint sub-issue: Information belongs to someone else

A on authorize hard inquiry was made on my Equifax credit report by XXXX XXXX on XX/XX/2018. I have contacted XXXX XXXX as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.
Complaint sub-issue: Debt was result of identity theft

I did not give consent to benefit from or utilize my authorized credit. According to 15 usc 1602g - the creditor refers only to a living person who regularly extends consumer credit. US Bank is in violation of 18 usc 8, 15 usc 1605, 15 usc 1666c, 15 usc 1692f, 15 usc 1692b, 15 us 1692e, 15 usc 1692b.
Complaint sub-issue: Their investigation did not fix an error on your report

Happy New Year! For 3 consecutive months in a row, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I have sent and mailed letters to the credit Bureaus to help either verity or remove some items I did not recognize as mine. They violated the law 3 times in a row and now I am seeking judgment. Equifax, XXXX  as well as XXXX. My letters spell out the law clear and it is not confusing. 

Everything I sent was certified mail and they have received every one of my documents.

No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Complaint sub-issue: Problem with personal statement of dispute

I received a product I did not order, it was a phone system. I contacted the company, they refused to budge, so I disputed it with the credit card company Citi bank and they would not budge. So I cancelled the credit card company, cancelled the bank account and filed a dispute with the credit card companies that determine credit rating. Everyone has said I need to pay. Why should I have to pay for something I did not order or want. My credit card rating went from XXXX down to XXXX. It really does not affect me as I have all the credit I need and do not carry anything over as I pay everything off each month. However if I am treated this way, how many others are also being treated as I have been, being ignored on the facts presented.
Complaint sub-issue: Information belongs to someone else

What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had retained XXXX XXXX XXXX to handle a IRS tax issue I paid {$7200.00} spread out on three credit cards Citi Bank, XXXX and XXXX XXXX  Visa. XXXX asked me to sign the form so they can charge Citi Bank {$1000.00} and XXXX {$4000.00}. XXXX XXXX XXXX has honored the dispute. The bottom line is XXXX did not complete the service they were hired to do. I had an IRS letter response to an offer XXXX made when I faxed this time sensitive XXXX failed to take seriously. I had faxed this letter over to my Case Manager XXXX XXXX on XXXX XXXX, with Ok from my fax that it was delivered. XXXX XXXX I sent two emails to her asking for confirmation of receipt, no response. XXXX XXXX called left message, Friday XXXX XXXX, called three times left three messages no response. Monday XXXX XXXX comes around no response from anyone. Now I am worried so I start looking for a new Tax Attorney because I have deadline to meet within three weeks with the IRS. XXXX XXXX this XXXX XXXX Quality Assurance person calls only because they rec 'd. the BBB Complaint and she was very defensive about it she told me well you did not give the Case Manager time to respond Are you Kidding me! She had four days to respond to either two emails or four phone call messages. That is poor Customer Service especially for the amount of money they charged me. I want full refund plus they should pay for my new Tax Attorney. His initial bill is {$1000.00}. So I put this matter in Dispute with Citi Bank and XXXX Card provided all the information and documentation to support my point they did not provide the service I contracted with them they left me high and dry. 
Citi Bank sends out form letter stating they provided the service and therefore they would not honor my dispute. I then wrote to their CEO who had them reopen the dispute and few days later I get another letter stating because I signed the ok to charge my card they were obligated to charge the amount back to my account. Sent a letter to XXXX ' CEO they are looking at it. Does not XXXX have to provide the service they told me they would do and advertise on radio and TV. They left to hire another Tax Attorney. Why should I pay for something I did not get. This a fraud and XXXX Blackmailed me. They even called to say even you do not drop all complaints they would not reimburse me anything. I was not dropping the complaints with the BBB XXXX and XXXX reviews. Citi Bank is honoring a fraudulent company claiming it is their policy once you sign and Ok to charge your card. How was I going to hire them in the first place. They told me to go to the merchant directly and I did send email to XXXX XXXX she will not respond.
Complaint sub-issue: Problem with fees charged

I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX XXXX-Date of Inquiry XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is not my account and I have never had an account with them.
Complaint sub-issue: Add-on products and services

This is not the first time. 
Citi provides the return protection, and I filed a claim on XX/XX/2019. I receive the email acknoledging receipt of documentation. 
The email states I should hear back in maximum 14 days ( 2 weeks ).

It has been already 3 weeks, with no updates.
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect personal information were found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to deletXXXX completely from my Credit Report : XXXX
Complaint sub-issue: Changes in terms mid-deal or after closing

Hi. I already filed a complaint, which has the following complaint number because it was supposed to have been " resolved '' by a prior complaint here, and OpenRoad Lending was supposed to send me a {$120.00} gift card to reimburse me for financial loses due to finance charges paid on a loan they forgot to fund. I got the gift card today and activated it and they " FORGOT '' to FUND THE CARD! So they forgot to fund my car loan, making me late with my original lender and costing me daily finance charges for 10 days to pay two car loans from two lenders on one car. And they rectified that by forgetting to fund the gift card to reimburse the 10 days of finance charges that they charged me for a loan I never had because they forgot to fund it. Is such a coincidence even possibly accidental? Here is my original complaint, which I reassert since it is entirely unresolved by this {$0.00} balance, UNFUNDED, gift card. XXXX.
Complaint sub-issue: Problem during payment process

Refer to previous complaint XXXX Once again today XX/XX/XXXX I am not able to access my account to make early payment. The same issue occurs : Go to sign in ... signs in.

Then displays message " We are having trouble reaching you, please provide email '' Enter email ( that I get correspondences for them OK now ) Error message : " That email address is not valid, please enter a valid email address '' Email has never changed, we seem to have this problem when trying to pay more than one payment a month. They are prohibiting me from paying off my card and lower interest charged.

Hit or miss on access, but I always have to enter email due to " unable to reach you '' stuff ( every sign on ). Sometimes it works.

Today the access is denied. I have a 27 min wait time currently ( on hold waiting ) to pay by phone. I have to return to work, unable to pay bill.

Please assist.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

On XX/XX/17 I received a voice mail from a person who refused to identify himself. He said this is about a " theft '' that I committed and needs to be taken out of my checking account. i called the number listed XXXX, the person that answered said the company is XXXX, and they work with Citibank. He said I need to settle the account or I will be taken to court this week, for theft. My outstanding balance was $ XXXXplus on a credit card and if I pay {$2000.00}, i would avoid court appearance. I told him, I dont have that money, and he stated " Fine, youre going to court '' and hung up.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Equifax Consumer Reporting Agency. Equifax has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. Equifax once blocked/deleted the rocket loan account # XXXX and as of XX/XX/2020 the account is currently displaying on my credit which violates section 605b. In addition Equifax was was notified via mail and internet with an identity theft report which included two fraudulent accounts Freedom Plus XXXX and XXXX XXXX   XXXX. This accounts currently are reporting as updated which is unacceptable after Equifax has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and i want them off because its fraud these people just get in on my nerves and I have completed a police report and included the FTC report with this complaint along with XXXX forms of ID. Please delete this information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax dispute XXXX XX/XX/2020 XX/XX/2020 PENDING This remains pending. I am a victim of ID theft, I contacted them by phone and they want me to mail my ID and SS # via unsecured mail. That is not correct, I have no issue submitting via a secure and encrypted link - but not in the mail especially both documents together that would be horrendous if it gets in the wrong hands. This has been way past the 30 day timeframe and it needs to be resolved. As per the law, Equifax must remove the accounts and notify the other credit bureaus for their removal as the investigation has passed the 30 day timeframe.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.