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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for XXXX now is Jefferson Capital
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, I noted an erroneous collection on my perfect score credit bureaus reports, contacted collection agency regarding error as well as provided reference number to show proof of payment which occurred over 8 months ago on XX/XX/XXXX. It's been over three weeks and no action has been taken and negative info sits on my Bureau reports. on XX/XX/XXXX. I contacted the original creditor ( XXXX ) who indicated to me that thaqt particular collection has a XXXX   balance and to contact the creditor for resolution. this is a circle as they told me to contact the original creditor despite having proof of payment on my credit card statement. 

What's sad is that I'm in the middle of a mortgage that was pulled when my scores where above 700 which was not only the qualifying amount but also a decent interest rate. 
now do to this collection, my scores dropped a minimal of 36 points across all three mortgage lending reports, ie 2,4,5, .Not only am I filing this report under unfair practices but also under financial harm to me as a result of credit scores drop. which will impact me on obtaining the mortgage or interest rate increase to me.
Complaint sub-issue: Information belongs to someone else

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

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: Reporting company used your report improperly

Equifax mishandled my personal information including my name, social security number, address, birthdate, driver 's license number, credit card numbers, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language. The complimentary product they offer is only available for a year, which does not cover the period of time necessary to protect my social security number from fraud resulting from the breach. Equifax ultimately did not have the necessary security protocols in place to handle highly sensitive personal information of 143 million Americans, and they 're actions afterward are not in good faith.
Complaint sub-issue: Other problem

Due to COVID I had a check come in late. My bill is due on XX/XX/XXXXI saw that Citibank had started processing my payment on the XX/XX/XXXX. It came back NSF on XX/XX/XXXX. I moved funds into the XXXX account that they withdraw funds from. I called Citibank and manually paid the bill on the XX/XX/XXXX. I spoke to a Citibank representative at that time and explained that I had manually paid and that I had had some delays due to COVID. He said it was fine, that I wouldnt be charged late fees because I had called. 

Subsequently, they have tried to collect the same bill 3 times. Each time I call and each time they say they can do nothing about this. So far I have had to pay XXXX $ in NSF fees because after 2 weeks they are still trying to collect the same bill which has been clearly posted as paid. In the mean time, they are charging me late interest on the same bill claiming the fees are standard on an unpaid bill. They are now not taking my calls. 

The 3rd time I called them they said it had been taken care of. I asked them to remove my autopay feature, and send paper bills. I informed them that XXXX would be refusing any further autopay from them. The next day they did it again. They are crippling me financially. 

The managers say there is nothing they can do. Every other bank I have recognizes that if I make a manual payment that my minimum due has been paid. But Citibank practices predatory lending practices and is currently collecting late interest and continues to ruin my good payment history with XXXX. I am reaching out to you because I have no other idea how to resolve this. Attached are my bank statements that clearly show that the minimum due was paid and that they have continued trying to collect 3 times after it was paid.
Complaint sub-issue: Account status incorrect

My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX  for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, an unknown individual went into a XXXX  store and performed a XXXX swap, thereby taking over my cell phone number. They then hacked into my XXXX and Citibank accounts and completed a {$42000.00} wire transfer. When Citibank attempted to contact me ( via telephone call, email, and/or text message ), the unauthorized user was able to confirm the wire transfer, as they were receiving all communications sent to my cell phone number. I have reported the fraudulent activity to Citibank and XXXX. Citibank has yet to refund the money.
Complaint sub-issue: Received bad information about your loan

I had received advice from my previous lender to transfer my loan to XXXX XXXX to monitor my progress with the PSLF program. I did so in XX/XX/XXXX. I waited very patiently to have the number of qualifying payment calculated and uploaded on my account. When they were finally uploaded the numbers were drastically lower than they should have been. I have been making qualifying payments since XX/XX/XXXX with only a handful of months in forbearance due to delays in processing IBR eligibility and one late payment. Therefore my estimated eligibility date should only be a few months after XX/XX/XXXX. When I called XXXX servicing about this they told me it was likely due to a prepayment and they would recalculate my qualifying payments. By then it was XX/XX/XXXX and I was told it could take up to three months. Once the three months was nearly completed, I called and was told it would take three to six months. Today I called and I was told it could be up to nine months. In total I have waiting nearly a year and I have not received an accurate count of my qualifying payments. I understand there are many such requests but not having the staff required to service this loan properly is unacceptable.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2023, our client made a payment of {$2100.00} towards the total cost of her projects needing done in her home. These projects are to be done in a short time period because she has to have an inspection to sell their home. Funds are supposed to be available immediately but they were not for this transaction. I was notified that there was a review and it would be a day or two until it's available. The next day, it's still not available ....

So I message Square through the help section. They tell me there is nothing they can do and I'll have to wait. I INFORM THEM THAT AFTER THIS TRANSACTION, ID LIKE TO CLOSE MY ACCOUNT DUE TO US LOOSING CLIENTS BECAUSE OF THIS. Keep in mind, we are on a timeline and this is wasting precious time. This money included the funds to purchase material for her jobs. Right as the funds should be made available ..... I get a message about possible fraudulent activity and they are holding the money yet another 2 days. Next day comes ...... I decide to call them. The gentleman was helpful. He reached out to the higher ups and then told me it would be available today XXXX XXXX. I'm still sitting here impatiently waiting. So I call AGAIN. Because at this time, we are about to loose ANOTHER client. Long story short ..... He tells me that it will be ANOTHER 1-2 business days for them to complete the review. In the review they asked questions like " have you met this person '', seriously?? She input the info from the link I sent to them from SQUARE. MULTIPLE TIMES I HAVE TRIED TO HANDLE THIS With THEM. NO RESULTS, JUST LIES, FALSE FACTS AND I TRULY FEEL THEY ARE MESSING WITH ME BECAUSE I SAID I WANT TO CLOSE THE ACCOUNT. I Need MY CLIENT MONEY. NOW. NOT ANOTHER EXCUSE AS YO WHY YOUR HOLDING IT!!!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}
Complaint sub-issue: Investigation took more than 30 days

I am distressed that you have included XXXX EQUIFAX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent two debt validation letters to AmeriFinancial. The first validation letter was sent on XX/XX/2021. The company AmeriFinancial respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/2021 with was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a formal complaint that XXXX XXXX is in violation of the law. I find that XXXX XXXX is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX XXXX XXXXXXXX is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that XXXX XXXX validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
XXXX XXXX is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased 2 floor sweepers from XXXX XXXX XXXX for a total of {$2000.00} on XX/XX/2018. My credit card was charged immediately but I never received the sweepers. They were alledgedly shipped by XXXX XXXX and signed with a unreadable signature that the driver wrote in as XXXX  ; we have nobody of that name working here. The XXXX company was of very little help and said it was not their problem. After contacting both merchant and XXXX XXXX to no avail I contacted mu Citi Visa to dispute the charges. They came back and denied my dispute because they said someone signed for it. This is just not right on my part as they should at least standby me in a case like. That is why I am filing this complaint now against Citi visa to credit my account for merchandise that I never received. I will follow with more additional info attached.
Complaint sub-issue: Not disclosed as an attempt to collect

I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

JUST GOT AN EMAIL SAY THEY FINISHED A DISPUTE ( LATE BACK IN XXXX ) HAVE UNTIL XXXX TO DOWNLOAD IT ; CAN NOT DOWNLOAD THE DISPUTE # XXXX AROUND AND AROUND THE SITE TAKE 'S ME AND NOTHING! 
THIS IS A JOKE BUT I AM NOT LAUGHING! 

PLEASE ADVISE
Complaint sub-issue: Received bad information about my loan

I am in the Public Service Loan Forgiveness Program and my loans are held at FedLoan Servicing, and this year they improperly reevaluated my payment plan two months early. I received notice for my annual plan reevaluation and promptly submitted my information. The confirmation email that I received included a statement saying, " If you are submitting your request for your annual recertification early, we will process your request once you are toward the end of your 12-month payment period. '' However, FedLoan Servicing reevaluated my plan 2 months early, and increased my payments 2 months early ( in XXXX instead of XXXX ). I have called them three times, and each representative has confirmed that it was indeed processed earlier than it should have been. I am now told that there is nothing they can do to change the evaluation time. This means that I will have my plan reevaluated two months earlier than it initially should have been every year. 

While they are attempting to override my XXXX and XXXX payment to only require the lower amount, I have already made my XXXX payment at the higher amount, since it was due. In addition, now the annual recertification will always be due two months earlier than it should be due. Moreover, what is to prevent this from happening again next year and every subsequent year? This needs to be rectified and the timeline needs to be accurately set. I am told there is no way to do that. 

Please also know that they have also failed to follow-up with me on my requests, and it has required my persistence to call FedLoan Servicing to have answers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XX/XX/16    that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$980.00}, XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "