Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Contacted your employer

On XX/XX/2020, Sallie Mae called my sister, my parents, and my employer to discuss my past due balance. They left voice mails with all three parties and told them I left their contact information with Sallie Mae. THAT IS ABSOLUTLEY INCORRECT. I never gave Sallie Mae permission to call my sister, my parents, or my employer. Let alone share their cell phone numbers. 
I have reached out to Sallie Mae 's customer service several times and asked them NOT to contact any of these individuals. They are not co-signers on any loans I have. Furthermore, calling my employer has jeopardized my job position as an accountant. 
On XX/XX/2020 my employer informed me he has received calls every day for the past 2 weeks from Sallie Mae. He did not want to tell me initially because he felt it was a personal matter I would solve on my own and also save me from embarrassment. He asked Sallie Mae to stop calling him, however, they did not follow his request and he ultimately had to tell me in hopes they would stop the harassing phone calls. He also informed me it gave him " concern about my future '' when he receives calls from creditors. Extremely embarrassing. 
Sallie Mae calls me several times a day every single day. I can not speak to them each time they call. They called me on the morning of Saturday,XX/XX/XXXX. I informed the representative that I can not afford to make the payment right now, and asked if they can lower the payment. They told me I could pay {$50.00} as a " good faith payment '' to keep my account from defaulting and to prevent them from reporting me to the credit bureaus. I asked if the {$50.00} went towards my loan. They said no it does not. I said that makes no sense and I refuse to just give you {$50.00} of my hard-earned money. The caller asked me if I knew how badly this would destroy my credit? I informed her Sallie Mae has already reported me to the credit bureaus and to stop threatening me. 
The same representative called me again this evening Wednesday, XX/XX/2020 to ask me if I can now make a payment. I informed her nothing has changed in the 4 days since she called me, I did not win the lottery and to have a good evening. I hung up. I understand I have a debit and I am working with a third party to solve this. I conveyed this information to Sallie Mae and asked them to stop calling me and my sphere everyday. Once a week is fine but everyday is harassment.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Equifax credit report shows a address I have never lived at and requested payment t be removed however the bureau continues to report it m, I also disputed a Bankruptcy which is reporting showing the court as a XXXX North Carolina court I have never stepped foot in XXXX no and do not have a benkruptcy as that indicate they state this information was provided by XXXX XXXX I contacted them to learn they have no record of this filing in additions public records are suppose to be updated every 90 days and this reports as last updated 2016 ... also Equifax has reapplied a previously removed collection item without communicating anything to me
Complaint sub-issue: Information belongs to someone else

Hello I have contacted the XXXX XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Complaint sub-issue: Other problem getting your report or credit score

Since XXXX XXXX, 2021 we have repeatedly requested that Equifax lift a freeze on our credit report so that we can apply for a new credit card. Subsequently we've contacted XXXX to ask that they process our credit card request. XXXX has repeatedly stated that they still can not access our credit report because Equifax has our credit report frozen. 

Whenever calling Equifax they ask questions about loans or accounts we never had or others that are older than 7 years and that we have no records of them. After repeated attempts we have never been able to get through to an agent. They now have repeatedly rejected us from login online. We downloaded forms and mailed them ( received by them last Monday, XXXX XXXX, 2021 ) requesting that they lift the freeze on our credit reports through XXXX XXXX, 2021. 

Since then XXXX still reports that they can not access our credit report because Equifax has failed to lift the freeze as we requested. 

Our ability to manage our finances is locked down because Equifax has been completely unresponsive. At this point we do not believe we have any other recourse than to ask your department ( and/or our XXXX XXXXs office ) to intervene and push Equifax to XXXX responsive to customer 's requests. 

Thank you ahead of time for any assistance you XXXX be able to provide to move Equifax to become responsive.
Complaint sub-issue: Account status

Equifax report shows : XXXX debt in collections {$370.00}. Debt was paid XXXX/XXXX/2015. Need item removed from negative status.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 CashApp ( XXXXXXXX XXXX  ) refunded payment made to me for services over a month and a half ago due to the paying party filing false disputes with the bank. These payments were made and received in good faith and services were rendered. To this point they have taken {$160.00} out of my account and " refunded '' to the other party without notification of dispute or cause for such dispute. I have tried to Contact the other party to no avail and the customer service department at the bank informed me that it was completely up to their discretion to remove funds from my account.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED WITH EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES :
Complaint sub-issue: Problem with personal statement of dispute

I have contacted the 3 Credit Bureaus ( Equifax, XXXX, and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Three charges were made on XX/XX/XXXX to my Direct Express Card. I did not make these charges. The charges were made with in XXXX minutes of each other. I filed an immediate dispute on that day, filled out all paperwork that they sent me and also sent them a letter describing the incident. I received a letter on XXXX stating that the merchant had provided their Department with proof that they were valid charges. I contacted Direct Express fraud investigations team that day, requesting proof of the documentation that was provided to them. One of the charges was reversed within 3 days of it occurring. The other two have still not been resolved. On XXXX I contacted fraud services again, due to the fact I had not received any proof or communication. I was provided with an escalation service number and told that I would receive a credit on my card within XXXX to XXXX hours for the two charges that I was disputing. I called back on XX/XX/XXXX to ask why I had not heard anything, and was told it was because of XXXX XXXX. Called again on XX/XX/XXXX still no credit on the card or communication from the company. Again Ask for proof of charges, and was told I had never asked for them but they would send them out. Was denied being able to speak to the investigator on the case, was told they did not take calls. Asked for them to send a message to said investigator to contact me and was told they didn't do that either. Ask for supervisor and when the supervisor came on the phone he spoke for one sentence and then hung up on me. Called back again gave them my name and social security number and they hung up on me again immediately.
Complaint sub-issue: Need information about your loan balance or loan terms

I requested a refund for loan payments made during the payment pause and they told me it would take 30 days for the refund. It has been twice as long and my loan balance still has not been updated on Mohela 's website and I have not received my refund. I have called multiple times but the hold times have been hours long which I can not wait for during a workday.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS ACCOUNT IS REPORTING A LATE PAYMENT FOR XX/XX/2022 AND I WAS NOT LATE. THIS HAS CAUSED MY CREDIT SCORE TO DROP AND NEEDS TO BE CORRECTED. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Complaint sub-issue: Old information reappears or never goes away

I disputed an account XXXX XXXX XXXX on my credit report as not mine and not being verified Equifax removed it from the credit report and send me results of Investigation documents attached after some time XXXX changed one or two digits in the account number and reinserted the account again I spoke to Equifax Equifax had no knowledge about this this is in complete violation of my fcra rights that I called which has been removed is it again so did back again please help me because it is causing a lot of frustration of constantly cat and mouse Chase good Equifax
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed an account and a few inquiries on my report I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 accounts that are reporting on my Credit Reports : FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} ) ; FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} )
Complaint sub-issue: Account status incorrect

Hello, I am XXXX XXXX I have a CITI bank home depo credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, Citi Bank closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XX/XX/XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, Citi bank then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the CBR dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My sister informed me that I received a letter in the mail at her home address where have never lived before stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person, I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine, please remove these faudulent items from my report.
Complaint sub-issue: Debt is not yours

This account was opened in 2015. This account is still inaccurate and I want it off my credit report.
Complaint sub-issue: Account information incorrect

The reason Im writing this letter is to dispute my most recent late payment. This is my XXXX account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with XXXX   many years ago and I had a negative experience. I said I would never bank with XXXX again. However, my XXXX  account as switched from XXXX XXXX to XXXX. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking XXXX to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because XXXX switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with XXXX  to be a negative experience is frustrating.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX  ( XXXX ) 13 ) XXXX  ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Complaint sub-issue: Information belongs to someone else

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX  ) has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Complaint sub-issue: Old information reappears or never goes away

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Complaint sub-issue: Personal information incorrect

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX
Complaint sub-issue: Information is not mine

this is not my report # XXXX please remove from all XXXX reports
Complaint sub-issue: Problem using a debit or ATM card

Problem with KeyBank, On Friday XX/XX/19 around XXXX, I attempted to make a cash deposit of {$140.00} ( 2- {$50.00}. bills and 2- {$20.00} bills ) at the KeyBank ATM , located in the XXXX XXXX parking lot on XXXX XXXX. and XXXX XXXX, XXXX New York. The ATM took my card and my money. Then it displayed a message " verifying your transaction '', then " self test. '' then " out of service. '' After some time my card was returned but not my cash. 
I called the 800 number posted on the ATM for help the representative took the information and filed a dispute claim. I also spoke to the Bank manager inside the store. He said that I would need to wait until the machine is serviced and if there is an overage I would be issued a credit for the funds. He was not sure when the machine would be serviced or when I would receive the funds. He advised that if I had used the ATM in the store they might have been able to do more. He stated it could take up to 10 days. He took my number and promised to call me before the end of the day. I did not hear from him.
Complaint sub-issue: Attempted to collect wrong amount

My XXXX credit report contains a debt from Pro Collect in the amount of {$5800.00}. I have long disputed this account for containing incorrect information. Now they have put the debt on my credit report XXXX with XXXX different opening dates, which is not correct for either. I have attempted to dispute this several times only for my disputes to be completely ignored. I do not believe anyone is actually looking into this to see if it needs to be corrected because they would only have to read my notes and verify the information to see that this account is on my report XXXX since about XXXX of this year. I have called and asked for them to look further to no avail. I am making this complaint in an attempt to get some assistance with this issue, it is not okay for a credit company to further lower my score and continue to harass me by putting erroneous information on my report.
Complaint sub-issue: Information belongs to someone else

I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE NOT MINE.
Complaint sub-issue: Their investigation did not fix an error on your report

My account is automatically paid on the due dates. 3 times now after they take my payment, they say I still owe. I then pay that sometimes I pay it more then once. It's a higher interest rate for left over balance. They don't know why their system keeps doing it. Now my accounts have been denied, when I tried to use them embarrassing, and it's still delinquent. Upgrade.inc have been doing this for months now. No fix, no answer and this this it's 21 days later.no matter how many times I pay money o don't owe, it's still delinquent.