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

Hi I am submitting this 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XX/XX/2018 @ XXXX CST. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Complaint sub-issue: Need information about your loan balance or loan terms

My student loans ' deferment was ending in XX/XX/XXXX and so in XX/XX/XXXX I paid off the accrued interest so it would n't capitalize. FedLoan Servicing first mistakenly applied the entire payment to one loan instead of all interest across all loans. It took 2 months and several phone calls to get the payment applied correctly retroactively. Several people told me they 'd would fix it but either nothing changed. Once that situation was resolved in noticed my repayment terms were not recalculated. It took countless calls before a customer service rep finally understood what I was talking about. I do not feel like many reps are qualified to discuss loans. After that call my repayment was recalculated but the monthly bill was still incorrect. In my subsequent conversations I have simply been asking for a repayment schedule but all they can provide me is the repayment terms ( which takes XXXX business days for some reason ). The problem with the terms is the terms never reconcile to the monthly payment. The outstanding loan amount, interest rate, and repayment length always equal a different min payment than on the same summary. Some are too high, some are too low. I feel like I can never talk to someone who knows what they are talking about.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXXXXXXdischarged Filed on XX/XX/2013 Reference number : XXXX XXXX5 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: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXccount # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I called XXXX XXXX  and told them that a fraudulent utility account was showing up on my credit report. XXXX XXXX XXXX informed me that I needed to make a police report, and complete an affidavit in order for them to investigate the matter further. On XX/XX/2019 I contacted XXXX XXXX XXXX again in regards to a suspicious utility account that I found on my credit report that was not mine and again explained to XXXX   XXXX that I had an affidavit, and police report reporting the identity fraud for the fraudulent utility account and was advised by XXXX XXXX XXXX to fax it to their Collection Dept which I did. XXXX XXXX XXXX informed me that they were in receipt of the documents and would need 90 days in order to investigate the matter and that they could not delete the account from my credit report because the account had been sold to a collection agency- LJ Ross . On XX/XX/XXXX I also contacted LJ Ross and told them that I had been a victim of identity theft, and that I had an affidavit and police report corroborating that, and asked them to remove the account from my credit report and to stop reporting it to the credit bureaus. LJ Ross advised me that they could do neither until XXXX XXXX XXXX told them that their investigation was complete. It has been past 90 days and this account is still showing up on my credit report. It is the responsibility of the furnisher to report accurate and correct information per the FTC
Complaint sub-issue: Not given enough info to verify debt

I saw a medical collection from IC Systems on my credit file that I was not aware of. I disputed the information with the credit bureaus because I did not know that this debt was for. But, instead of providing verification of the debt, the split it into XXXX different accounts and reported all of them to my credit file. So not instead of XXXX collection with a {$3400.00} balance, they are not reporting XXXX collections with smaller amounts.
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Didn't receive enough information to verify debt

A new debt popped up on my credit report listed for XXXX XXXX for XXXX XXXX for {$140.00}, an electric bill from the state of Michigan. It was listed as the debt collector being XXXX XXXX XXXX. I called XXXX on XXXX to get a copy of the original bill but it was from XXXX and they did n't have record of it once it was sold to XXXX XXXX in XXXX XXXX, I was told to contact them. I called XXXX XXXX on XXXX and was referred to XXXX XXXX XXXX at ( XXXX ) XXXX, apparently they were handling the collection for XXXX XXXX. I contacted total card inc on XXXX and told them I have never received anything from them about the debt. I also informed them that they placed the debt as being from XXXX XXXX when I have n't lived in Michigan in at least 5 years. The representative from XXXX XXXX XXXX  told me that she would not send me the original bill, she would only send me their company invoice which would just state how much I owe them, not the original debt date. I told her I had contacted XXXX and that the original debt date was XXXX, charged of XXXX XXXX. The representative from total card inc then told me that they would put the correct dates of the debt on my credit report only if I paid them the {$140.00}. To my knowledge I thought this was illegal. The representative told me I could email XXXXXXXXXXXX for a validation of the debt but since XXXX XXXX XXXX bought the debt there 's no guarantee I 'll receive the original bill and to just pay it so it reflects correctly. I want the correct dates of this debt and I believe I am owed the original bill with the correct dates of the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I received notice that you verified certain items on my credit report from the following XXXX # XXXX. You reported me being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Supply your response or report status as PAID, NEVER LATE for the trade-line. 

Best Regards
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I received a call from Sterling National Bank located on XXXX XXXX XXXX NY, advising me that they closed my account on XX/XX/XXXX ( same day as the call ) they stated that they mailed me a check. What made matters difficult for me was that my monthly Social Security direct deposit is sent to that account every XXXX Wed in the month. Sterling closed my account without notification of any type, no warning -- no phone call, nor a letter sent. They closed my account because I made more than 6 transactions on a savings account in a month -- if that is a rule which I was unaware of. I think a certified letter or a call should be made in advance so I have time to remove my money and change my Direct Deposit and make no payments from that account. I immediately called Social Security XX/XX/XXXX to tell them where to send my direct deposit that was due to come on XX/XX/XXXX. Soc. Security said it would take time to arrive at the new account because it will go to the closed account first and then return back to them and then to the new account As of today XX/XX/XXXX I still have not received my Social Security check, so I called social security again, they claim it should come this week to the new account After a trip to Sterling XX/XX/XXXX and 2 calls later I finally received a check from Sterling for the closed account, the check for the closed account arrived on Monday XX/XX/XXXX ( they closed the acct XX/XX/XXXX ) check took 12 days. I had no money as it was tied up in that check that took 12 days to get to me Also 2 payments -- 1 for XXXX XXXX and 1 from XXXX were set up to come out of my Savings account on XX/XX/XXXX. Both payments were returned when they saw the account was closed. XXXX XXXX hit me with a return fee, I called them XX/XX/XXXX and they did waive the return fee XXXX credit card sent me a letter XX/XX/XXXX stating that my account was closed and the payment returned, that account is not valid and they may impose a return fee. I have to resolve this issue also The closing of my Savings Account has caused me much distress, and mental stress -- - many phone calls and a trip to the bank, it left me without money and unable to pay bills that are coming due, and time from work making phone calls. 
I feel they need to be reported for unfair practice of closing accounts without proper notification, warning and notices. Nobody should have to deal with this and be treated like this. It took 12 days to get my money by their check ( XXXX ) I hope my Social Security deposits arrives soon too and its not lost in limbo Suppose I was on vacation and needed to withdraw money, I would be stranded Rules are rules and if I broke the rules then it should be explained and I should be alerted to the consequences such as closing of the account -- but without warning-to me this is unforgiveable. I will not deal with this bank ever again and my mother is also closing her accounts with this Bank-Sterling National
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, XXXX, XXXX, Lexis Nexis and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Complaint sub-issue: Changes in terms mid-deal or after closing

On XX/XX/XXXX I purchased a XXXX XXXX XXXX which was originally stated would be delivered on XX/XX/XXXX. When the car had not been delivered on the XXXX, I noticed an email was sent XX/XX/XXXX stating that my delivery had been delayed. 
I called Carvana on XX/XX/XXXX and spoke with XXXX XXXX. I explained that I was currently in a rental car due to my previous car being declared a total loss and stated due to the delay they I would need reimbursement for the rental car as it would no longer be covered through insurance. I received a text the next day stating that Carvana would cover up to XXXX per day for the rental through XX/XX/XXXX which was the new delivery date. I agreed to this amount even though this was only half of the cost of the rental. On XX/XX/XXXX I received another email stating the delivery was delayed again to XX/XX/XXXX. I called carvana again and explained because the delivery date was pushed back on their end again, I would need the full rental covered. I spoke with XXXX XXXX who stated that the most carvana could reimburse was {$40.00} per day. I asked him to send an email which he detailed that carvana would cover {$40.00} per day for my rental for a total amount of {$880.00} and that I would be able to request they covered more. I explained to XXXX that the rental rate of {$50.00} per day was actually discounted for my insurance company, however, the rental company accommodated that price through XX/XX/XXXX so I really needed my car by that date. He assured me that carvana did not expect any more delays. 
However, on XX/XX/XXXX I received another email stating the car would be delayed through XX/XX/XXXX. I called carvana again and spoke with XXXX and explained I could not hold the rental any longer and I needed a car. Due to the constant delays I had to go through a local dealership. Carvana is now denying reimbursement for my rental though I have already paid {$1000.00} and have paid a month insurance for the XXXX. I would like the full rental reimbursement
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Complaint sub-issue: Problem with customer service

As of right now, I have reached out letting AES/Pheaa know when a payment will be made. I have given them a Cease and Desist order which they continue to violate despite all my efforts at communicating back and forth with them and even scheduling payments. Going forward, a {$5.00} fee will be added for notifications that I receive that are out of spite and not in good faith. When AES/PHEAA sends an email every single day about the same past due verbiage even when the borrower already contacted the servicer letting them know when the payment will be made, it is my right to add inconvenience fees to be immediately deducted from the loan balance, or in part, AES will be charged these inconvenience fees. I may have agreed to be contacted about delinquency, but I definitely did not agree to the way they are reaching out and handling it. Any person who works for this company is turned into a zombie and made to abide by a system that is only out to profit as much as possible from the people who really matter in this world ( the people who actually work hard to get what they are paying ). The people who work in this company are clear and present liars. The fees still stand and AES owes them. AES owes me {$10.00} so far for repeated notifications that have wasted my time in the process even after I was diligent enough to send them emails letting them know when a payment would be made. What I'm confused about is why they even bother with allowing people to send them correspondence if they just continue to send the same garbage emails about delinquency after people had already contacted them about when a payment would be made. 

Check out this article where Senators are claiming that the CEO lied under oath. I'm going to send this to everyone I know. 

https : XXXX " XXXX then asked if the Education Department has ever penalized XXXX  for mismanagement, and XXXX said it had not. '' " But XXXX Department reviews suggested the contrary. XXXX and XXXX cited nine reviews since 2016 that revealed problems with the servicer 's implementation of XXXX, resulting in four corrective action plans and two fines, each more than {$100000.00}. '' Now how on Earth could this company expect its borrowers to have any trust whatsoever in this company with facts like the above? XXXX XXXX is eating too many Eclairs and counting his own dimes more so than protecting the interest of the borrowers. I'm going to write to XXXX XXXX and XXXX XXXX and explain to them my situation above. AES is coming closer and closer to forfeiture as a result of bad business and questionable behavior. There's also a matter of ethics that come into play.