Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent XXXX, XXXX, and Equifax a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.
Complaint sub-issue: Didn't receive notice of right to dispute

I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.
Complaint sub-issue: Account information incorrect

I had an old private student loan that defaulted in XXXX however the collection agency XXXX XXXX is reporting it is a brand new collection from XX/XX/XXXX.
Complaint sub-issue: Debt was paid

This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the debt.,
Complaint sub-issue: Account status

I worked for XXXX XXXX XXXX XXXX from XXXX. XXXX was created after I left thecompany. I was never billed for such service. The collection company is awareand broke the law and reported on my equifax file without sending me a 30 days notice. 
I have disputed with Equifax XXXX times online .Equifax has never verify this account. 
I never had such bill. I would like Equifax to verfiy. Equifax is reporting it as unkown billfor unknow service.
Complaint sub-issue: Information belongs to someone else

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To Whom It May Concern I've recently receive my consumer report in attempt to improve my credit to better my livelihood and i noticed an account that i would like more explanation on i am not saying they are reporting right or wrong im saying im not 100 % sure if they are. As it states in the Fair Credit Reporting Act by law i have the rights to callenge anything i am not sure is 100 % accurate. It also states in 15USC 1681 i ( a ) if you caint provide proof this account must be deleted. Well i want this account deleted if it is not 100 % accurate. And by law you have 30 days to complete this investigation. Please investigate this account and remove if anything is incorrect or missing thank you. 

XXXX XXXX Account # XXXX
Complaint sub-issue: Problem with rewards from credit card

Citibank closed 3 of my credit cards onXX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This complaint is regarding my Citi Double cash. 

I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My CitDouble cash also had about U {$30.00} dollars in cash back that they say ill not get it since my account was closed. 

They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
Complaint sub-issue: Public record

All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were XXXX released and I have a copy of the release documents from the state. I would like to have XXXX of these state tax lien entries deleted from all my credit reports. See attached documents.
Complaint sub-issue: Information belongs to someone else

I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks
Complaint sub-issue: Charged too much interest

I have applied for a credit card for the amount of {$5000.00} from discover card services, I am sitting on {$6900.00} as of XXXX. I haven't missed a payment, my interest rate is 25 %. I asked them to close the account and still changing me Interest. I have stopped using the card for over a year and continue paying every month. instead of my balance going down it keeps going up.
Complaint sub-issue: Other problem

I keep getting text messages that my Citibank account has been frozen or that there are purchases made that I did not authorize ; all direct me to a link. Sometimes they ask for account info, sometimes they send an XXXX XXXX code. The punctuation and capitalization are often incorrect. 

However, I called my Citibank credit card directly and they said that my card is not frozen nor does it have any of these aforementioned charges. 

The texts are coming in on these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also on the do not contact list. Despite that, I have asked that they remove me ASAP, but no luck.
Complaint sub-issue: Trouble with how payments are handled

I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.
Complaint sub-issue: Personal information incorrect

After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.
Complaint sub-issue: Account status

Describe what happened so we can understand the issue ... 
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Sallie Mae has continually harassed me since XX/XX/2020 ; calling multiple times throughout the day from multiple numbers. Agents have not only been terse in conversation with me and yelled at me but have decided to call and harass relatives of mine multiple times who are not even involved in loans. They have even gone as far as yelling at relatives of mine and assuming that they are me and have even left multiple voicemails after they have been asked to cease communication with them as they are not involved in any loans. I have also received text messages from unknown senders stating that I owe a private or federal loans and need to pay. The continuous harassment by this company has not only been taxing on myself but also my family as they keep getting calls after they have informed the individuals on the phone that they are not me. I have in the past asked for some sort of payment plan with the company however the company refused to assist me in any way and left me to pay the full amount without any sort of long-term relief or assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Frequent or repeated calls

XX/XX/2020 {$1000.00} spam calls all day non stop
Complaint sub-issue: Information belongs to someone else

Despite the numerous attempts I have been doing, the Credit Reporting Agencies have never fully complied with the Federal Law, Fair Credit Reporting Act section 605b, and have been continuing reporting the disputed items as verified on my Credit Report. This CFPB complaint will be my thirteenth ( XXXX ) complaint since I started submitting CFPB complaints to the Credit Bureaus. I have also been submittng multiple dispute letters against the Credit Bureaus and the Credit Bureaus have never responded to any of it all! I have been planning to file lawsuit against the Credit Bureaus for their willful non-compliance of the federal law. This will be my last attempt to contact the Credit Bureaus and in the event that the Credit Bureaus still not remove the disputed items by the time of my Credit Update within the next 15 days I will be filing a lawsuit. If it us not too much trouble than dealing with a lawsuit, please, once again remove the disputed items from my Credit File as soon as possible : 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 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: Problem accessing account

I have a Health Savings Account with Optum Bank, this account has been active since XXXX. I attempted to login to my HSA account, today, XX/XX/XXXX, to begin the process for reimbursement for a qualified expense. They were unable to locate my account, and I was unable to login with my credentials. I called customer support, and talked with a front-line staffer, who did all within her power to locate my account. She informed me that all of my online account activity and presence has been erased. I additionally learned my email address had been modified by an optum staffer to some other email address - not mine. I asked to speak with a supervisor, and it appears that one of their computer algorithms decided to terminate my account credentials. The supervisor and I both tried to create a new account but I kept getting an error message. We attempted several troubleshooting methods and it did not work. 

I have a case number with Optum bank - Optum Case # XXXX If I didn't notice this error, and bring it to Optum 's attention, my entire health savings account could have been lost or stolen via identity theft This would cause significant hardship for my family, who depend on this account for ongoing medical expenses. 

Optum has repeatedly been reckless with my account, making significant and drastic account changes without notice ; they should be heavily scrutinized by the proper regulatory authorities.
Complaint sub-issue: Account information incorrect

XXXX XXXX has not reported the payments I have made to them, to XXXX, Equifax and XXXX since XXXX XXXXPlease update this reporting.
Complaint sub-issue: Information belongs to someone else

Appearing on XX/XX/XXXX and Equifax is XXXX XXXX XXXX account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
XXXX  automatically says the dispute is frivolous and won't allow a dispute..XXXX breaks the law the FCRA in this regard.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and 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 Section2 : It also a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information is not mine

please remove this information off my XXXX equifax and XXXX report address on my report do not belong to me and
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I recently called and submitted a letter to XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX XXXX XXXX to remove the collection from my credit report until the debt is validated.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have the Home Depot credit card through Citibank which I have had for years, perfect pay, ents I have been dealing with hurricane Irma, so I have had to make all the repairs out of my pocket, I was fortunate enough to get anything from fema or insurance didnt pay for anything, this is included insurance, this isnt included, this doesnt reach deductible so I asked them a few months ago to defer my monthly credit card pay, ent, they did for two months and thats all they can do, so they say. But other credit card companies for example XXXX, they have been very nice about deferring payments. All I wanted was for Citibank to defer the payments until XX/XX/XXXX, that way I am back to normal and I start paying, I dont think thats asking much, especially being proactive, most people would ignore it and they wouldnt respond and I didnt do that, but I have to do it in emails because the phone service has been so bad since hurricane Irma, you cant hear anyone on the phone, phone doesnt ring, what I am supposed to do????? now I am supposed to be punished for this, this is ridiculous!!!!.
Complaint sub-issue: Debt is not yours

Americollect , INC . 
XXXX XXXX XXXX XXXX, WI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX SSN : XXXX Date of birth:XXXX
Complaint sub-issue: Talked to a third party about my debt

XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside.
Complaint sub-issue: Reporting company used your report improperly

I have consistently been violated by Equifax. They have broken numerous federal laws when pertaining to my consumer file. It is being irresponsibly tampered with breaking laws 15USC1681. There are accounts that have NOT been thoroughly investigated. I have tried to remedy the situation since last week but to no avail Equifax is grossly dismissing any attempt to remedy. Under 15USC1681 they have also not respected my right to privacy being that they assumed their role without my consent and are not exercising their grave responsibility upon assuming the role that they took.
Complaint sub-issue: Information belongs to someone else

Im disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information