Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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  have 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 an account without my written instructions.
Complaint sub-issue: Problem with customer service

On XXXX XX/XX/2022, I submitted a concern about a refund of any unearned portion of interest charge to XXXX XXXX XXXX the CFPB. The initial letter is below. The company responded that the account didn't belong to them ; however, they have serviced my profile and the information was taken from my consumer report. I received confirmation from XXXX that NelNet has the proceeds concerning my complaint. I am attaching the reply from XXXX and is demanding Nelnet to release ALL unearned interest to XXXX XXXX XXXX. NelNet lied and is very unacceptable. 

NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Re : Refund of unearned interest on Account XXXX XXXX XXXX XXXX To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the 5 day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to 1 free annual statement each year without charge. XXXX XXXX XXXX, XXXX Without Recourse
Complaint sub-issue: Information belongs to someone else

I have tried to correct this problem with CITIBANK in regards to a fradulent account that is still on my report. I have contacted them multiple to timesto have this removed. I have filed a police report in the city that i am located in. I dont know why im being held liable for a crime that i did not commit.
Complaint sub-issue: Reporting company used your report improperly

Equifax - Did not adequately protect my personal data from hacking. Did not report that a breach had occurred in a timely manner ( allowed 6 weeks to pass before releasing a statement to the fact ). Did not notify me directly that my information was stolen. Attempted to offer a 1 year credit monitoring service that would require a credit card and charge after 12 months if not cancelled. Attempted to profit by still charging to freeze and unfreeze credit accounts.
Complaint sub-issue: Account information incorrect

I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX  cancel the debt and then still say that balance is valid?
Complaint sub-issue: Information belongs to someone else

Greetings to all and I pray that all is well during these trying times. I've had an issue with a XXXX account appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/2020 for {$16000.00} and I reached out to CarMax and to XXXX  in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to CarMax and XXXX  explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing this CarMax account from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ETRADE Bank owns my second mortgage.This was discharged in Bankruptcy in XXXX and from XXXX to XXXX it was protected by the injunction in Bankruptcy.ETRADE has been illegally trying to collect the debt through its servicers of XXXX XXXX.Other illegal collection efforts had been orchestrated by XXXX and XXXX all trying to collect a debt owned by ETRADE and discharged in Bankruptcy. 
I complained to the current servicer XXXX XXXX XXXX ( XXXX  ) and they said its not their fault or responsibility.ETRADE sends it back to XXXX as the servicer so its a circle where the owner of the debt can have a servicer make illegal efforts to collect the debt and when caught, change servicers and say they are not responsible.ETRADE should be held accountable and according to the CFPB compliance bulletin on mortgage servicing transfers they are.I am including some of the illegal written efforts to collect debt discharged in bankruptcy along with evidence of ownership of the debt and letters from XXXX and to ETRADE Bank.ETRADE is trying to absolve itself of responsibility and should be held accountable, otherwise they will continue this practice of illegal debt collection while switching servicers.
Complaint sub-issue: Attempted to collect wrong amount

I sent this company a paid to delete letter, I spoke with rep in which I recorded his voice conversation and he stated they also recorded my conversation in his conversation he stated I can take advantage of a settlement offer of XXXX the original amount was XXXX. I sent the attach letter in which they agreed to. and it will be deleted his exact words AFNI WILL REQUEST FILE TO BE REMOVED ONCE PAID I have followed all instructions now my credit report per XXXX  is stating settled paid less than half amount I will file a lawsuit against this company for false representation of company policy.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$150.00} ; Medical XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Complaint sub-issue: Debt is not yours

I have been getting threatening phone calls from Allied Interstate about money I owe to someone. Since I DO NOT OWE ANYONE ANYTHING I told these people at Allied Interstate this but they continue to harass and make threatening phone calls. On Tuesday I received another of these calls from someone on my called I D as UNASSIGNED and decided to answer it. I've received numerous calls from this UNASSIGNED in the past but this is the first time that I actually talked to someone. The person told me that his name is XXXX XXXX and after getting verbally abusive toward me he told me that he worked for Allied Interstate, which is a debt collection agency, which I looked up after our phone call. Anyway, I told him I don't owe anyone anything and don't call again. After this call I filed a complaint with the FTC, report # XXXX, and thought that I would not hear from them for a while. This morning at XXXX am I received a call from XXXX, Texas ( XXXX ) from, you guessed it, XXXX XXXX! I reminded him that not only am I'm still on the do not call list and I did file a complaint with the FTC why is he harassing me AGAIN?? He said are you not this person and I said no. He told me that they would not call anymore and then he hung up. This person knew that I did not owe them anything but still continued to call and harass me!!! Please help me in this matter and tell them to stop this continued harassment. Thank you.
Complaint sub-issue: Account status incorrect

I have disputed an account, held by the  U.S. Department of Education,  being reported on my Equifax and   XXXX   credit reports multiple times ( mostly recently on   XX/XX/XXXX     ) without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with th e U.S. Department of Education  on   XX/XX/XXXX     and as of this writing,   XX/XX/XXXX      (  more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed as  XX/XX/XXXX , but the  'Date First Reported '  is listed as  XX/XX/XXXX , and at that time they claim the account was already in collection status. Neither th e U.S. Department of Education n or Equifax or   XXXX   have provided me with the 'Date o f Default ; ' th erefore, this account has not been proven to be mine, nor should it be listed on my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. * On Equifax : *XXXX   XXXX/XXXX  XXXX XXXX, * Credit Bureau Service ( XXXX ) XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a  corrected credit report within 30 days. Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

THD/CBNA Home Depot ACCOUNT XXXX FROM CREDIT REPORT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX On or about XX/XX/XXXX I was going through my Credit card accounts and noticed that Home Depot said I was late with my payments. At the time there was a balance around {$10.00} or so. I thought I had paid the entire card off but to my mistake I did not. I asked them why they did not contact me and they said they did. I asked them how they contacted me and they said it was an automated system. I asked them after the automated system came back and said there was no contact what did you do? The credit card representative said that two more Robo calls when out telling me to pay my bill. I asked them what kind of system do you have in place if the first call was not successfully made and they answered none. At that time I was very mad at them and I paid the account off with the operator I was speaking with and immediately closed the account. But their explanation on the XXXX  credit report that I just received on XX/XX/XXXX says that the credit card company close the account when in fact I'm the that requested it be closed. I closed the account because of their stupidity and there collection practices. I asked them to remove the delinquent notices from my credit report and they said they would look into it based upon the issues with the Robo call system they have. But as of this date they have made no effort to remove those late charges from my account. Actually the only way that I learned about this was when I was looking at a car for sale at a dealership and they said that they got a negative report back about late payments, that's when I went home to research this and found the Home Depot issue. It was my mistake for thinking I had paid off without checking but I'm sure I had. Home Depot never called or emailed me to tell me that I still owed them money.
Complaint sub-issue: Problem with paying off the loan

I purchased Gap Insurance for my XXXX XXXX XXXX. My car was a total lost by XXXX insured : XXXX XXXX ( Claim number : XXXX ) Date of loss : XX/XX/XXXX Date of mailing : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX to submit salvage amount. XXXX has completed request last year. XXXX XXXX XXXX XXXX , XXXX has not made the adjustment to my credit report. They have the police report and has allowed the car to remain at the tow yard since XXXX. 

I can provide correspondence of me asking what next and schedule phone calls. XXXX XXXX XXXX XXXX , XXXX has not reached out. 

" Dear XXXX XXXX XXXX, XXXX : Per our conversation today XX/XX/XXXX I am confirming XXXX XXXX XXXX did `` not '' owner retain the XXXX XXXX XXXX Vin # XXXX. There was a Policy Limits issue. Our insured 's policy limits was a policy max of {$5000.00}. We did " not '' pick up the vehicle from XXXX XXXX XXXX. The settlement letter reflects a salvage amount, however XXXX XXXX did " not '' retain the vehicle, and XXXX did not salvage the vehicle. This vehicle was not picked up due to avoiding any of the {$5000.00} being reduced from CarMax 's amount. The max was paid to CarMax. No salvage was taken, I do understand it is listed in my breakdown, it is listed to show what the salvage " could have been '' only. 

Sincerely, XXXX XXXX Claims Team XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I applied for the Citibank AAdvantage Platinum business card. I was declined even though my credit score is over 720 and I have a perfect pay record. Citibank claims I filed for bankruptcy which is untrue, have not been able to deliver any proof of this, and I now have another inquiry with no result. 

My belief is that I was penalized due to a card owned by my Mother, and I was an authorized user. My mother died with a balance and I am now being penalized by Citibank. This is inappropriate and I need it rectified as it may trickle somehow to my current credit file and do serious damage. 

I have over $ 100K in business credit card credit, but this was for an airline I use regularly. 

I spent almost two hours and transferred to multiple people, then told, sorry, you must call another department.
Complaint sub-issue: Information belongs to someone else

There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report immediately.
Complaint sub-issue: Was not notified of investigation status or results

In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.
Complaint sub-issue: Attempted to collect wrong amount

Jefferson Capital Systems LLC. and Attorney XXXX XXXX took action for wage garnishment execution via the CT Superior Court on the wrong individual- different name, social, and DOB . Pure negligence to ensure correct information for debtor resulting in wrongful wage garnishment actions against the individual - including sending a XXXX to the wrongfully accused individual 's employer and disclosing debtors personal information to persons other than the debtor or debtor employer. Due to such negligence, CT superior court signed and approved wage garnishments for individuals other than debtors, causing emotional distress to wrongfully accused individuals, debtors, and wrongfully accused individual and debtors family/family income. When trying to contact XXXX XXXX XXXX via phone call, they stated no one was available to speak to me despite being within business hours displayed on the website ( XXXX XXXX XXXX XXXX XXXX ) called XXXX XXXX XXXX  Wrongfully accused received information on debtor via phone call and employer due to XXXX XXXXXXXX disclosing debtor 's personal information. 

Called XXXX today to offer a partial payment amount in return they remove the wrongfully garnished individual 's employer from the court and they denied due to their 10 % fee they charge. Due to XXXX ' lack of due diligence before filing and executing a legal court document, my personal credit information has now been disclosed to CT XXXX XXXX, XXXX XXXX without my permission. XXXX is now in extreme emotional distress and embarrassment of her job of over 20 years. It has now been XXXX XXXX with no attempt at resolution from XXXX XXXX 

XXXX XXXX XXXX, XXXX CT license number : XXXX XXXX XXXX, CT XXXX. XXXX House - XXXX XXXX XXXX XXXX XXXX, CT XXXX Docket # XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX P ) XXXX ^ Tried to contact - Claimed closed business hours via gentleman on above phone line who would not share his name or association with said company Phone ( Listed Via CT Judicial ) : XXXX Email : XXXX Website : XXXX XXXX wage garnishment +Falsified court documents which included individual not debtor - Wrong name, social security, DOB, and middle initial +Emotional distress to wrongfully accused individual and debtor. Created emotional, financial distress within the family. 
+Under FCPA creditor disclosed personal information about debtor CT superior court wrongfully signed off on wage execution against a person other than the debtor Attorney has yet to get back to us - XXXX XXXX XXXX XXXX EXT XXXX XXXX # XXXX
Complaint sub-issue: Debt was result of identity theft

Equifax and XXXX  are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats not mine
Complaint sub-issue: Personal information incorrect

on a recent credit report, I found errors in my address, name, and employer on my EQUIFAX credit report, and to my surprise, they should all be correct because it can possibly lead to a wrong identity.
Complaint sub-issue: Didn't receive terms that were advertised

Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX Checking Account Number : XXXX Savings Account Number : XXXX Complaint : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a checking and savings account with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days. 

I opened the designated accounts and deposited {$15000.00} funds on XX/XX/2018. I met all the requirements for the {$400.00} cash bonus offer. After about 3 months, Citibank had not deposited the {$400.00} cash bonus to my account. On XX/XX/XXXX, I called Citibank to inquire about the cash bonus and was reassured by bank representative that the bonus would be deposited soon. I asked about closing my savings accounts and was told closing my savings account would not jeopardize the cash bonus offer. I proceeded to close my savings account. 

After waiting longer, I inquired with a Citibank branch about the cash offer. I received a letter date XX/XX/2018 that states I did not qualify for the cash bonus offer because I closed the savings account. 

I feel Citibanks action is deceptive. My accounts and deposit met the conditions of the promotion in the published time frame. I followed the guidance of the Citibank representative to close my savings account. 

Desired Resolution : Citibank honor its promotion and deposit {$400.00} to my account.
Complaint sub-issue: Other problem

I received what appears to be a credit card in the mail today. The letter states that this contains money from the US Department of Treasury under the covid-19 Tax Relief act of 2020. It makes it sound like I need to activate this card to get my stimulus payment.
Complaint sub-issue: Didn't receive enough information to verify debt

I called several weeks ago to the collector and gave my l  ast 4 of social security at pont they could not find me. either by social date of birth, name lat name so forth. so I disputed the issue. I then receive from  XXXX  that the collector responded the debt is mine. so today I call and now they can find me under my social and date of birth. that is so weird that they were able to find me now not 3 weeks ago.
<P/>
this company that is collecting the debt I worked for. but my apartment and bills were paid by the company so I do n't know how I owe them any money and I was never notified I did owe them anything at all. They had had my email and my forwarding address and nothing was ever sent to me about any money due.
<P/>
this company I worked for is upset because I quit because the way they treated my fianc. he was an illegal immigrant and they were calling ins on him after he worked for them 8 yrs faithful  ly.