Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

Hello, The last payment i made on my student loan was in XX/XX/21 and i made it so the remaining Balance would be exactly {$65000.00}, an amount which remained {$65000.00} until XX/XX/21 when I logged in the Fedloan website to make a payment but I found that my balance had increased by {$.00} and now it is {$65000.00}. 

I crossed referenced with my records, the Federal Student Aid website and Credit Report that reports my balance as {$65000.00}. There is no interest being charged right now so i dont understand why this {$.00} appeared magically in my balance. 

I contacted Fedloan on XX/XX/21, The First person i spoke to said she had never seen this, so she transferred me to another person, which said the same, and then got transferred one last time. The Last person i spoke to said she had reached out to an specialist and said there hadn't been any changes done to my account, and that there was nothing to be done, and told me she would send me a statement of account through the mail, and told me to review and see if anything that didn't feel right to call back This is unacceptable, just raising your balance just because? The whole reason i called her was because i already found a discrepancy and all they did was to deflect. 

In summary... The value of {$65000.00} reflected in the Fedloan website is wrong, and right now i dont know if this a system error or a scam? How often do numbers just magically appear in loan balances without ones knowledge?
Complaint sub-issue: Account information incorrect

From XXXX through XXXX XXXX I was XXXX  due to XXXX and XXXX XXXX. Have a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and XXXX XXXX only concern is about getting paid. 
I have two other XXXX XXXX accounts in good standing, never been late and both open for a period of time.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called XXXX. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. XXXX states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX XXXX XXXX XXXX, Account name : XXXXXXXX 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, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Other problem getting your report or credit score

XXXX  or Equifax are refusing to respond to my 3 previous dispute letters. I have sent them evidence and proof of all issues and they so not respond or update my report to reflect the accurate information. I have requested my updated and corrected credit report and they do not compliy.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had a dispute with a plumber for a rental property in Ga. I overpaid by around {$5600.00} in XX/XX/2019. I contacted Citibank. They told me I would get a credit but then told me my submission was not timely. I then appealed and the bank reopened the file but claim they lost my appeal papers. I have spent 5 hours w the bank trying to resolve the dispute. I am uploading all the detailed letters I sent to Citibank w all of the disputed transactions. 
The bottom line : 1 ) Citibank is not properly handling this dispute ; 2 ) Citi seems to have set in place a dispute mechanism that is cumbersome and does not work : putting aside long holds, the people who deal w consumers can not be heard as they are working overseas and the connections are awful ; 3 )  they send out notices about when a response is due but the letter often arrives AFTER the response date : this happened to me in XX/XX/2019. 
4 ) several times I asked to speak to a supervisor but w no success ; 5 ) legal recourse is impossible because of arbitration provisions and class action waivers : no consumer will hire a lawyer to deal w relatively small disputes and consumers can not join together because of the class action waiver ; Finally Citi seems to have purposely set up a dispute resolution program that is flawed because it serves their financial interest regardless of the cost to the consumer.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Complaint sub-issue: Reporting company used your report improperly

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX ( XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with XXXX XXXX XXXX  resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and Equifax are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A company that goes b y AFNI w ith the telephone number :  XXXX . They called twice - once on  XXXX   XXXX  at  XXXX   XXXX  and again on  XXXX   XXXX  at  XXXX    XXXX   .  They did not leave a message either time but when I got home I saw that they called. The first time, I called the number back not having any idea who they were. They said they were a debt collection company and asked to speak to me. I said they were calling the wrong number and I asked them to not call me again. Then again today I come home from work and see that they called again. I called them back but they were not open. How many times do I need to tell them to stop calling me?
Complaint sub-issue: Information belongs to someone else

XXXX, EQUIFAX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXXXXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIONDXXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE
Complaint sub-issue: Not given enough info to verify debt

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Complaint sub-issue: Reporting company used your report improperly

I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Complaint sub-issue: Information is missing that should be on the report

I sent a letter regarding incorrect information on my credit reports to XXXX Equifax and XXXX and still have not received an update.
Complaint sub-issue: Account status incorrect

Cashier check was sent to Auto Trakk with certain stipulations. I have contacted Auto Trakk several times. I have basically gotten the run around with them.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On Thursday, XX/XX/XXXX at XXXX XXXX XXXX I received a text message on my personal cell phone XXXX from XXXX XXXX representing eCommission from XXXX and XXXX with this threat, quoted : " XXXX, if I do not hear from you I will have to put your account in legal status. You understand that they will file complaints against your license? ** Please give me a call ** XXXX XXXX representing eCommission XXXX. '' I did not reply. Then, again on Friday, XX/XX/XXXX, from the same number I received the following text, quoted : " I will be notifying XXXX XXXX  of the UCC1 Lien against you ** XXXX XXXX representing XXXX XXXX. '' I responded : " There is no lien against me. Does your firm usually tell lies? And that would be a CFPB violation against you if you do so. I'm an educated person. Threaten me again. I also have not authorized your firm to text me. FTC violation. Don't text me again. '' A few minutes later, I received multiple emails to multiple email accounts, including my employer-sponsored email address, from an account which I did not authorize or opt-in to receiving emails from eCommission. To my ultimate humiliation, my former employer, XXXX XXXX, was copied, as well as, my former email address with that employer, my personal yahoo account, my personal gmail account. 

Included in their numerous emails as an attachment is what appears to be a UCC-1 filing against me, dated XX/XX/XXXX. However, the financial instrument they attached as " proof of indebtedness '' to eCommission was dated XX/XX/XXXX. My first response to them was that I had not been served any documents via judicial due process ; I had no knowledge of such lien against me ; and I questioned the dates on the documents. 

They notified my current employer with the same attachments via facsimile addressing XXXX XXXX, Compliance Specialist with XXXX XXXX. XXXX XXXX has confirmed receipt of all of the above from this debt collection agency, https : //www.rabtx.com/ - claiming to represent eCommission. They told my employer that they expected to be paid. 

In addition to the discrepancy in the dates ( filing a lien against a consumer 9-months prior to the date of the financial documents/loan ), the documents filed with the UCC-1 are against a nickname, the address on the documents was vacated more than 2 years prior to the lien filing date, judicial due process was not complete, but their brutally embarrassing tactics have caused me personal strife, fear, and anxiety. 

I am a XXXX  mother of XXXX  children. My employer is my only source of income.
Complaint sub-issue: Investigation took too long

I submitted a dispute online on XXXX XXXX, 2016. As of XXXX XXXX, 2016, I had not received any proper notice of investigation results so I sent a letter to Equifax, certified mail, return receipt requested, informing them that it had been over 30 days and I had not received a response. I never received anything in response to my letter dated XXXX XXXX, 2016, which is attached for review. However, on XXXX XXXX, 2016 I received results where XXXX of my items were deleted accurately from my file however, the other XXXX listed were not deleted and continue to be inaccurate and should be removed as well. Upon calling the number listed ( XXXX ) on XXXX XXXX, 2016 and XXXX XXXX, 2016, speaking with five different representatives, many located out of the United States, I just could not receive the necessary and adequate help needed over the phone. The representatives appeared unknowledgeable regarding their own practices and policies at Equifax.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/22 I got a notification at XXXX pm on XX/XX/22 about a hard inquiry to my XXXX report. I did not apply for a credit. I do not own a credit card. I quickly called XXXX to find out and they told me to go to XXXX to have the inquiry removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase for a mantel from a company on XX/XX/2017, and they were supposed to deliver the item 2 weeks later. After numerous phone calls and 8 weeks later, I was finally told that they were overwhelmed and behind, and they were working on getting the mantel into their warehouse. Additionally, the salesperson screamed at me. I told them at that time that I wished to cancel the mantel, and would like a full refund. After arguing with the salesperson, I contacted Discover and advised them that I wanted to dispute the purchase because I had not received the merchandise, and I was misled as to when I receive it. Since XX/XX/XXXX, I have been going back and forth with Discover Card, and they have sided with the merchant after their representative told me not to cancel my dispute until the merchandise was received. I have never received the merchandise, and after 9 months I don't want it. Discover states that I signed a form stating that the merchandise was special order, which was not true. The special order item was the fireplace door, which I cancelled and those funds were returned back to my card. At this point, I have exhausted all options with Discover Card, and they are refusing to credit my account for the full amount, because the merchant has stated they have tried to contact me, which again is not true because they advised me back in XX/XX/XXXX that until I cancelled my dispute they would not deliver the item, and I have not cancelled the dispute because they refuse to deliver the item.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to EQUIFAX asking to investigate accounts on XX/XX/2021 and again on XX/XX/2021. XXXX has yet to respond to me in regards to the result of the account represented on my credit report. 

I am sending another letter today with this complaint referenced today XX/XX/2021.
Complaint sub-issue: Account status incorrect

There are accounts in my report that I don't recognize. I want the information removed and I have already sent out letters for more than 30 days ago. Until now, I did not receive any response and I think the bureau is not taking action.
Complaint sub-issue: Debt is not yours

When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response. 
I have disputed the debt with no response I have sent letters with no response.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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: Their investigation did not fix an error on your report

this creditor has been posting my payments la e but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX , XXXX XXXX XXXX from my credit report.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I realize that my credit score is super low! Where did you get this information I didn't applied for anything. I believe that someone used my personal information