Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

XXXX keeps calling random people claiming they can not reach me and ignores my multiple emails trying to contact them. 

I have emailed XXXX over 40 times and havent received XXXX single direct response to my emails. 

They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my current complaint ). 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which both he and XXXX were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX guarantees the loan in the event that I dont pay Navient which as confirmed by the DOE FSA Ombudsmans and why they wont get involved. 

Its not rocket science simply directly and specifically address my points I need the following directly answered : XXXX ) Because XXXX is the original creditor they CAN contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and XXXX refuses to acknowledge it and confirm that Email and my po box only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with XXXX parties XXXX ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? 

I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Complaint sub-issue: Account terms

Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX
Complaint sub-issue: Information belongs to someone else

I did not consent to, nor benefit from, or authorize any of the following inquiries on my credit report : # 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 US SM BUS ADMIN ODA 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
Complaint sub-issue: Need information about your loan balance or loan terms

Discover, the company managing my student loan have raised interest rates from 2 percent to 5 percent, informing that my repayment period ( monthly have increased ) and that now I have 25 payments left. 

First information was this loan will be paid on XX/XX/XXXX, then XX/XX/XXXX and now info says I have 25 payments left. 

I need transparency regarding my loan balances, informing in a detailed way why they have increased interest rates so many times and why the have increased my payments period.
Complaint sub-issue: Debt is not yours

I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.
Complaint sub-issue: Public record information inaccurate

Equifax is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Equifax states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Equifax is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Equifax is stating they provided.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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: Didn't receive enough information to verify debt

I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter. 
USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquires are showing on my credit report
Complaint sub-issue: Problem making or receiving payments

I had my account with Citibank for last 2o years and they froze my account with any communication for " Know your customer '' Policy. I did not know my account got frozen until two of my payment got rejected for account frozen. When I called Citibank they said that my wife DOB and SSN was missing and they have to froze. My wife had a citiobank credit card account opened two months back in Citibank and they should have it already, if noy they should contact her or send letters stating that they are going to freeze our account. No communication from their side, more over when I login to my account, I did see the account active without any frozen status for last one week. They should inform customer and also they should update the account status for online customer. I have to pay fine to my vendors for missing payments and they might affect my credit score when I am planning to do a refinance for my business property with another back. When called Citibank they said they will document this to their client experience team. I believe its not right to freeze my account without letting me know.
Complaint sub-issue: Deposits and withdrawals

I can't open a XXXX account with PNC
Complaint sub-issue: Account status incorrect

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Ally via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the late payment in XX/XX/2019 they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Ally has not been able to verify any of the information reported, they have the late payment remaining after several contacts for verification. The payment was made on time.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX ACIMA CREDIT responded to a complaint I submitted through the CFPB. With the response they also provided the lease agreement and a statement. Upon further inspection of the documentation I noticed many fraudulent pieces of evidence. I have attached a complete rebuttal to their response and listed a more detailed account of the following violations, 1. 15 USC 1692e. ( 2 ) ( A ) The false representation of- the character, amount, or legal status of any debt ; a. Acima has contradicted themselves stating this alleged account was charged-off, or uncollectable, in their response labeled Exhibit D, yet are still trying to collect.

2. 15 USC 1692e. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
a. Acima reported to XXXX  report, labeled Exhibit C, inaccurate information regarding payments that were made XX/XX/XXXX and XX/XX/XXXX that they were aware of according to the statement THEY provided labeled Exhibit B. 

3. 15 USC 1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

a. Acima sent multiple emails labeled Exhibits E, F, G, H and I encouraging a settlement be made in general or with the use of my tax return in connection to this charged-off, or uncollectable, account. 

4. 15 USC 1692g ( a ) 3,4, and 5 Validation of Debts a. Acima has never provided me, the consumer, with ALL the proper documentation required under this subchapter.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Complaint sub-issue: Account information incorrect

Total Visa has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.
Complaint sub-issue: Their investigation did not fix an error on your report

In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XX/XX/XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.
Complaint sub-issue: Information belongs to someone else

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Complaint sub-issue: Can't stop withdrawals from your account

First travel had a cent authorization the card com block my card and left me stranded on the weekends there office was closed and charge me almost XXXX and file dispute notify them pertaining XXXX authorization of refund so showing proof still claim the bank is disgusting and constantly ripping me off
Complaint sub-issue: Information belongs to someone else

A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX  money loans ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I did not Authorize this account. someone has stolen my identity. 
This is a Fraud Account
Complaint sub-issue: Investigation took more than 30 days

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her INNOVIS CREDIT REPORT TODAY. THANK YOU.
Complaint sub-issue: Keep getting calls about my loan

Discover Student Loans auto dialer calls four times a day five days a week. No messages are left, these calls are made before 30 days have passed since bill due date. Even being instructed to reduce the call rate they say they ca n't.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and 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 account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}
Complaint sub-issue: Information belongs to someone else

I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status 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 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. The following inquiries listed below need to be deleted from my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

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

XXXX. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Debt is not yours

XX/XX/18 - ERC manganger XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Repeated calls trying to collect debt from a XXXX XXXX with a different SS #. 

My name is XXXX XXXX XXXX with a different SS # and different birthdate. 

Has been going on for years calling my cell phones ( XXXX ) XXXX, ( XXXX ) XXXX and the home phone ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was pulled with the company cbcinnovis two times XX/XX/19 and XX/XX/19, the company that they work for is XXXX credit union which informed me that my credit wasnt pulled but it was pulled. There was no need for the company to have pulled my credit two times back to back and when I asked to have them removed I spoke to a very rude woman that works for cbcinnovis who was not helping me at all. I have never delt with this company and would never want to, I would just like for the inquiries to be remove and an apology for the rudeness by the employee.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.