Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/XXXX a fraudulent purchase was made using my debt card, when I became aware of the fraudulent transaction, I reported it to my bank. The bank then provided me with provisional credit for the fraud claim. Two weeks later I receive a notice that my claim had been denied. I this be very peculiar, as it has been a practice of US Bank to give me a proof of claim form to validate my claim. I call the fraud department for US Bank and ask that the matter be investigated further because I did get the opportunity to provide proof of claim. The fraud specialist told me that they would have the claim investigator contact me regarding this matter. XX/XX/XXXX I spoke with XXXX XXXX the claims investigator in US Bank 's XXXX  location regarding the claim and was told that she had determined that claim was not valid. Furthermore, that she would not be reopening the claim. XXXX XXXX went on to informally advise me that I have made quite a few claims, which I found to be unprofessional as it is my right to file claims against any services that were not rendered and products I did not personal purchase. I reminded XXXX there are law and rights that protect consumers such as Electronic Fund Transfer Act and Regulation E. The Electronic Fund Transfer Act and Regulation E states that I have XXXX liability for fraudulent purchase.
Complaint sub-issue: Information belongs to someone else

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Having problems with customer service

loan servicer is VERY unhelpful for very simple customer services issues for military service member : 1-payments made toward PSLF are not updated and require many many emails or calls to update. 
2-Income driven repayment recalculations due to changes in income are not properly vetted and despite submitting tax returns and XXXX 's they do not make the changes. 
3-employment recertification is PAINFUL every year. i am in the military on XXXX XXXX but every single year my recertification is denied, rejected, or needs to be re-submitted for one reason or another. 

please help servicemembers receive better support!
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Applied for a Macy 's XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.
Complaint sub-issue: Trouble with how payments are handled

I have a complaint with Fedloan Servicing. In XXXX, I consolidated my loans with Direct Loan for public loan forgiveness. I have worked for a XXXX since XXXX, and I currently still XXXX for the XXXX XXXX XXXX XXXX. I qualified for the public loan forgiveness when it started in XXXX according to Direct Loans, who was servicing loans for the U.S. Department of Education. I, along with many others, were told that we had to make XXXX payments ( 10 years ) of payments to qualify for the forgiveness program. That was the only direction stated to us verbally over the phone. I have never missed a payment. In XXXX, my loan was transferred to XXXX, who became the new server for the U.S. Department of Education. According to my paper work, we just continued with the same plan. 
In XXXX, my loan transferred to Fedloan Servicing, which again was servicing the loans for the U.S. Department of Education. After the transfer, they stated that Direct Loans did not set up my forgiveness plan correctly and are not honoring any of my payments that date back to XXXX towards forgiveness. I am not the only XXXX is facing this problem. There are many people who were apparently set up wrong by Direct Loans, which to my understanding, was just the former name of Fedloan Servicing. I did contact XXXX, but they just seemed to pass and forward my complaint to different members of their group. I have also had many discussions with current Fedloan that has not reach a fair agreement with the original forgiveness program. 
All XXXX companies that have held my loan represented the US Department of Education loan forgiveness program. Overall, there is a big cover up and story here that affect many people. I and many others need your help.
Complaint sub-issue: Reporting company used your report improperly

Equifax announced a cyber-security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX throughXX/XX/XXXX.
I am one of those victims according to Equifaxs Check Potential Impact tool.
They offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.
I do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.
Just days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.
They are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.
Complaint sub-issue: Debt resulted from identity theft

Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
Complaint sub-issue: Can't get other flexible options for repaying your loan

Whether my employer qualifies for PSLF. The attached document refers to the prior SEVEN " 7 '' complaints that have not been resolved. This is not a duplicate and should not be dismissed. The last complaint was dismissed as a duplicate. PLEASE ADDRESS my detailed complaint.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. 
My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. 
I was not involved in a traffic accident
Complaint sub-issue: Not given enough info to verify debt

I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you.
Complaint sub-issue: Reporting company used your report improperly

I have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.
Complaint sub-issue: Information belongs to someone else

Hello over the years I been trying to dispute these account XXXX have not provided me with correct information nor answer me within the 30days time frame this is holding me back from getting my home Im trying to purchase a home As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Equifax violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Complaint sub-issue: Account information incorrect

I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times. XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Complaint sub-issue: Their investigation did not fix an error on your report

I filed An ID theft report with Equifax well over six months ago and equifax cleared up issues regarding two accounts that were showing up on my credit file that were not mine. Unfortunately, today, I discovered that those account have reappeared on my report after over six months of disappearance. Not only has this negatively impacted my credit report, but it has also pointed to a greater problem with equifax data systems. 

These two credit card accounts listed from XXXX are not mine and are the result of fraud. XXXX has confirmed receipt of my ID theft report before and they took measures to remove them from my report. These accounts need to be deleted permanently and immediately under my rights according to the FCRA. 

Also, there is an inquiry on my equifax report that is the result of fraud and I did not initiate this at all. XXXX says that i need To have equifax to delete this inaccuracy
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A charge came through on my account from a place I visited on XX/XX/19 for {$260.00}. The issue was that the charge was for {$26.00}. I filled a dispute with Citibank and advised them that this place said they don't have the receipt. 

Citibank advised me they can't help me because I don't have a receipt but yet they made NO attemp to contact the merchant processor to show the true charge. As a consumer I have done everything I can do and I'm not getting anywhere from the merchant NOR Citibank so I'm not sure why I'm being penalized. 

I'm not sure if the merchant falsified the charge when they put it through or not but at this point it needs to be fixed by Citibank.
Complaint sub-issue: Debt was result of identity theft

Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

Sincerely, I.XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Information is missing that should be on the report

I do not have a specific date of the call. The customer rep was not able to update address over the phone. They told me to update the address with financial institutions and wait. At this point, XXXX and XXXX reports are both updated with the new address. Only Equifax still has failed to update my address after two and a half months later.
Complaint sub-issue: Problem with rewards from credit card

Citi Credit Cards Benefits denied my claim XXXX for {$370.00} for delayed trip protection. On XX/XX/XXXX, I was flying from XXXX ( 46 Minute connection ) -XXXX . My first flight got delayed by over an Hour, hence I was not able to make a connection. This required me to stay overnight in XXXX, delayed my trip and I had to fly the next day. 

Terms and conditions says, If a Covered Travelers Trip on a Common Carrier is  delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay.. In Addition, it says Trip Departure Date means the date on which the Covered Traveler ( s ) are originally scheduled to leave on the Common Carrier. Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination..

An excuse for the denial given is that since my first flight was only delayed by over an hour ( Not 3 Hours ), it 's not covered even though it completely contradicts what terms and conditions state. As stated above if your WHOLE trip is delayed, not only a first flight, you are covered for incurred expenses. When I asked agent to provide me to which terms and conditions she referring to, I was told she does not have any, and it 's up to her to Make up the rules. In addition, she hang up the phone after she was not feeling comfortable with me quoting terms and conditions where she is clearly wrong.
Complaint sub-issue: Was not notified of investigation status or results

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in XXXX more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX  partial account number XXXX. Equifax ; XXXX  and XXXX   are also reporting that I am ( 120 180 ) days past due on the XXXX partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.