Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I have two loans under the same student account with Discover Student Loans. Loan A initially was for {$2000.00}, the second loan, Loan B, was initially for {$10000.00}. I have been repaying these loans + interest since I graduated in XXXX. On XX/XX/XXXX I made a payment of {$15000.00} to both of these loans. This amount should have almost entirely paid off both of these loans. On XX/XX/XXXX the full amount of {$15000.00} was debited from my checking account. On XX/XX/XXXX when checking my Discover Student Loans account I did not see my payment of {$15000.00} reflected on either of my loans. I contacted Discover Student Loans customer support and was told to " wait 3 business days to see the payment reflected. '' On XX/XX/XXXX I saw that my payment was still not reflected on my student loan account. I contacted Discover Student Loans and was told they needed to investigate and it would " take several weeks. '' This payment was made from the same bank account it has been made from for the past several years, by the same person, to the same student loans. Discover Student Loans will not give me a case number for this " investigation. '' When I told Discover Student Loans that these 2 loans are continuing to accrue interest and a payment will be due next month because they are not reflecting my payment and that these loans should be paid off they were unhelpful and repeated they needed several weeks to investigate. When I asked to speak to a supervisor they said that was not possible. They do not care that a payment will be due next month, but if I do not pay I'm sure they will not hesitate to report my payment at delinquent and damage my credit score. Discover Student Loans received by payment of {$15000.00} on XX/XX/XXXX and is refusing to give me an investigation case # about my account not reflecting this large payment. I have no way to verify an investigation is even happening. The full loan balance is still being reported to credit agencies. Discover Student Loans customer service has been entirely unhelpful. I feel like I have nothing to show for my {$15000.00} payment, which should have almost entirely paid off my 2 student loans with Discover Student Loans.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I received a notice from XXXX that I had an unpaid account with CITI. I never opened a credit card with CITI and I disputed the claim. XXXX notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with CITI.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi is showing that I made a charge on XXXX in the amount of {$270.00} at XXXX. I've disputed the charge to no avail ; they say that the chip on my card was used. I've told them that even the merchant ( XXXX ) doesn't show in their Point of Sale system evidence of my card being used ; I've provided my correspondence with XXXX to them. I've called multiple times and had the dispute re-opened at least twice. No one ever reaches out to me in follow ; instead, I am always the one having to follow up. Finally, a few weeks after this happened, they closed my account and had to reissue my credit card ... so they obviously know my old credit card number was compromised!
Complaint sub-issue: Debt is not yours

I am sending the letter XXXX sent in response to a request for proof of debt. I received a letter of explanation but NO PROOF OF DEBT. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the claim is disputed and validation is requested. 

If Macy is unable to provide the proper documentation as requested, all collection activity must cease and desist and all negative reporting must be deleted.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Complaint sub-issue: Information belongs to someone else

For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling XXXX XXXX XXXX, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Complaint sub-issue: Attempted to collect wrong amount

Upgrade 's website system would not take a payment from me so I called their customer service and they wanted me to pay a higher amount than what was due.
Complaint sub-issue: Problem with statement of dispute

I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. 
I demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
________________________________________
Complaint sub-issue: Their investigation did not fix an error on your report

Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I had a routine medical checkup for lower back issues. As this medical practice was reported in network for my insurance company at the time, I only was charged a copay of {$25.00}. That was the last I heard anything in regards to this visit until I received a collection letter from Remex collection agency over 4 years later, in XXXX of XXXX. That letter states that I owe an amount of {$1300.00}. The insurance companies refuse to help or pay claiming that it was out of network and they claim that this was my responsibility as well. Once again, first time I heard anything about this. I dont think anyone would be happy or count it fair to send out a collections letter over 4 years later from a doctors visit. Im trying to refinance my home and this just lowered my credit hindering me from doing so. This is not fair or legal for any corporation to wrongfully and unfairly slap this on someones credit report. I had an attorney send a letter but they ignored that as well. Any help for restitution and looking into an unfair and shady practice such as this would be helpful to myself and any pat and future victims. Thank you
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX Date Reported : XX/XX/XXXX Re : Acct # XXXX SSN last four - XXXX Original Amount Owed : {$340.00} Debt : {$770.00} To Whom It May Concern : This letter is being sent to you in response to your attached letter. 

I am a victim of Identity thief and your company is coming up as a collection on my Equifax credit report. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010..

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Complaint sub-issue: Fee problem

I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.
Complaint sub-issue: Received bad information about your loan

I have worked for nonprofits organizations for several years and have always applied and recertified for the Public Service Loan Forgiveness payment plan. Over the last few years, my recertifications have been either been 'processed ' for several months or initially accepted, but not shown in my lender account. Because my paperwork was being 'processed ' for months ( even though I worked for the same employer ), that delayed my enrollment. My loan was recently moved to a new lender, and upon looking into my account, it is showing that I was not enrolled in the Public Service Loan Forgiveness program for several years, which is not true. Because of this error, the months of COVID-related waived payments have not applied to my account. This is a grave mistake where the lender has denied my enrollment and there is nothing I can do about it.
Complaint sub-issue: Reporting company used your report improperly

Since XXXX 2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX/XXXX/2022. I was made aware on XXXX/XXXX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the XXXX credit bureaus to be inaccurate. For XXXX months the XXXX credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, 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 is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because 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
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX XXXX  And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX Bank - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681, Section 602 A. states I have the right to privacy.

15.U.S.C. 1681. Section 604 A states a consumer reporting agency can not furnisha account without my written Instructions.

15. U.S.C.1692 C states without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Problem getting your free annual credit report

For the third year in a row, Equifax refuses to give me my credit report. I use the XXXX site, plug in my personal information, answer their security questions and then they refuse to give me my report. They say I have to mail them all kinds of documents with my personal information on it. This is an extremely unsafe and unreasonable requirement that puts my personal information at significant risk. They should provide my information online, like the other 2 reporting agencies do every year.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Want to know why citi group is blocking lawful XXXX owners from buying guns. This a violation of the second second amendmen. Lets not forget that my tax dollars bail you all out as well.
Complaint sub-issue: Funds not received from closed account

Tried to wire funds. Bank stopped the wire, would not contact me as to why the wire was canceled. Tried to close my account. Bank said they would not close the account and told me to call back days later. Would not close the account or contact me.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Complaint sub-issue: Fee problem

US BANK charged me Monthly Maintenance Fee on XX/XX/2019 due to I do not meet the monthly requirement. 

However, I join their " Because Youve Earned It '' in the early XXXX to avoid the fee charge. The application web page is : https : //www.usbank.com/bank-accounts/checking-accounts/credit-score-checking-account.html On their website, they claimed : Because You've Earned It members get a consumer Gold Checking Package with no monthly maintenance fee, full access to XXXX XXXX , and express delivery for replacement debit cards. 

Based on the statements, I got what ever I need after becoming a member. But, they said I have to covert my account into a gold checking account to get the benefits. However, the y did clearly and consistently make a clear statements in the whole website. Since I trust their statements, I thought I already got the benefits ( no monthly fee ). But, they charged me feee in the XXXX. 


They did not state things clearly and charged me the fee.