Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

I have been getting daily recorded phone calls from XXXX XXXX XXXX. 
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job. 

They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number. 

I have these voice messages saved. 

The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Today I called Equifax to cancel my myEquifax account. After keeping me on hold for a very long time, they said they would escalate my request, to complete it. After further questioning, they said it takes " awhile '' to cancel accounts -- so long that they could not complete it while I was on the phone ( despite the very long time on hold ). Moreover, they could not give me any idea how long it would take, and they could not provide any confirmation that my request was even being processed. 

I asked to speak to a supervisor and was put on another very long hold. While still on hold, Equifax disconnected me. 

I tried to get information via their Chat support but was told that that department can not provide any help with myEquifax accounts.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX... .Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On exactly XX/XX/2018, I sent a letter to each company listed on XXXX, EQUIFAX and XXXX  regarding inquiries on my credit profiles that were not authorized. I never received a response back neither were the inquires removed from my credit profile. 

On exactly XX/XX/2018, I sent a letter to XXXX  XXXX and Equifax requesting assistance in removing the inquiries not authorized by me, informing all three bureaus that I contacted each of the creditors by phone as well as by mail. No response has ever been received by XXXX  or XXXX regarding. 

Equifax responded back informing me that the inquiries were valid and will remain and although a proven signature document with my information and signature were requested, Equifax failed to provide this information to me.
Complaint sub-issue: Account status incorrect

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
Complaint sub-issue: Problem with rewards from credit card

Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.
Complaint sub-issue: Debt is not yours

I went to XXXX XXXX located on XXXX XXXX  to XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX, inquiring about a tooth extraction. After being quoted a price that I felt was too high, I told the account specialists that I would go to a place less expensive. She then proceeded to tell me that I actually had credit owed to me from my previous porcelain crown procedure with XXXX XXXX, that would cover the cost. So natural I agreed to the tooth extraction since I wouldnt owe money. After the procedure was complete I double checked with the lady about a bill and she told me everything was covered. I believed her and left. Some weeks later I received a call and a voicemail was left from the same account specialists stating that she apologize because she had misinformed me. She stated, the credit she told me about could only be used at the XXXX XXXX location that I had the porcelain crown procedure done at and that I needed to come in and make a payment. In my mind that didnt make since because it was the same company. So I refused to pay. I had moved prior to the tooth extraction so I never received a bill. I get emails from XXXX but I never received an email about a bill. Some years went by and last year I notice that a collection was on my credit report with XXXX XXXX being the original creditor {$390.00}. Im not sure if this amount is after my insurance paid its portion. That will need to be investigated also. So I reached out to them by going to the location that I had the tooth extraction. There is a new account specialists named XXXX XXXX that I spoke to. She was professional and helpful. XXXX XXXX pulled up my account and agreed that I owed nothing because the credit that I had was applied to my tooth extraction. Then I explained the situation more to her so she investigated the account a little deeper and saw the problem. Then miss XXXX informed me that I was told wrong twice. She said that the credit was not owed back to me and it wasnt a credit that I could use at the location of my porcelain cap procedure, but instead it was owed back to my insurance company. My heart dropped upon hearing this. She stated bills had been sent out. I explained I had moved prior to the tooth extraction and any bills that were sent were never forwarded to me. I pleaded with her since Im technically the victim here of misinformation or a bait and switch move, could she allow me to pay the bill right now and then remove me from collections. She asked her XXXX XXXX and the XXXX told her, no she will not have it removed if I should pay the bill. I have recorded voicemails from the company admitting to misinforming me and mishandling the funds. I do not have a date because I didnt receive any paper work, letters or no receipts because I was told I owed nothing XXXX  she not be allowed to keep this on my credit file. No professional company would, in my opinion.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I made a purchase over the phone with Macys customer service for XXXX pair of shoes brand XXXX. Same month when I was trying to pay my Macys monthly bill I notice that my account was overcharge on the amount of {$1700.00} without my authorization so I call Macys to figure out why that charge. 
The say that I was being charge for a watch in the amount of XXXX then I explain to them that I didnt purchase or order any watch from Macys XXXX the apologize and told me they commited a mistake and that the amount of XXXX XXXXXXXX was going to be refunded, and they did, but after 2-3 months the charge my account again for the same amount so I called again to Macys and they open an investigation, after the finish the investigation wich the case was on my favor the post an online letter letting me lnow that the case os close and the money was credited in my account. Then on XX/XX/2021 the charge me again for {$1700.00} cents but this time they said that there is nothing they can do and that Im responsable for the charge after the case was close and final decision was made, the letter of the evidence was deleted from my macys account and the said thai have to pay for something I didnt order and it was their mistake, the keep transferimg me to all theor department and nobody give me a solution, they start being rude, hand the phone on my etc etc. 
I help with this case pls, its been long time and this company is not doing anything to resolve the problem.
Complaint sub-issue: Old information reappears or never goes away

CashCall account is closed and over 10 years old needs to be removed from credit reports.
Complaint sub-issue: Received bad information about your loan

Advised to consolidate my loans with my parent loans for better payment plan. 
They paid my XXXX XXXX even though it was specified to be excluded as it was free for1800.00 for XXXX. 
Called servicer when i was notified they paid XXXX and told too late too bad nothing I could do. 
After consolidation, turns out now I have unqualified loans and now I can not get better pay plans. 
Placed all in forbearance as could not affordXX/XX/XXXX sent IBR application, debt breakdown and taxes for self and spouse with taxes for payment plan After acknowledging receipt, XXXX advised too old and missing documents, but none were ever requested. 
XXXX Reapplied IBR Spouse and self and payments were now 40 % of our household income. 
CalledXX/XX/XXXXadvised by servicer that I needed to complete another IBR which was doneXX/XX/XXXX and told I need to fill out form to take out of deferment. They would mail form ( form came XX/XX/XXXX ) and told they see the mistake that my spouses loans were not considered when paymnet was calculated and she would send for evaluation. 
Called XX/XX/XXXXfollow up on evaluation and told that servicer no longer automatically calculates payments with spouse even when box is checked because too many people check in error. Advised that we would need to each fax in a letter requesting our accounts be reviewed together. Also this staffer was able to end deferment without a form. 
Bill Came XX/XX/XXXX again wanting 35.5 % of our household income for my spouse and I. 
his dropped from XXXX to XXXX mine is XXXX due in 14 days from notification giving us a total of XXXX due on our ICR plan. 
As of XXXX/XXXX/XXXX no word on if our faxed letters were ever received or being processed. 
Letter came XX/XX/XXXX explaining how they calculate ICR : XXXX or amount repaid annually over 12 years under standard plan multiplied by income % factor with XXXX divided by 12 or 20 % AGI - 100 % of poverty level which the calculate as XXXX however, we calculate jointly as XXXX total. 
We want to pay these loans, but need something we can afford. 
My husband and I work 2 jobs each and if we work a third job each next year the payment will just be higher so we are really stuck. 
We have consistently been provided with bad advice, wrong information, delays in processing which continues to grow interest debt, loans erroneously added to consolidation that was to be left out and inconsistent payment plans by XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX  XXXX Balance {$1000.00} ; XXXX  XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I would like to work online for my school to pay off debt for my XXXX XXXX cant get anyone to assist in getting me started my health will not allow me to compete in any service oriented jobs to wash the loan or get rid of half amounts I am of age now and this is causing me a lot of unneeded stress Thanks for a solution I have many friends younger than I am a their student loans are eradicated and this is very disturbing and negatively effecting my over XXXX XXXX unnecessarily my loan have been hanging over my head for over XXXX yrs and nothing has been done except delayed only to come back on my report and now I cant go out in the workforce
Complaint sub-issue: Their investigation did not fix an error on your report

The account listed : XXXX XXXX Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.
Complaint sub-issue: Received bad information about your loan

Back in 2016 I asked to be waive my XXXX XXXXXXXX  XXXX  status and submitted the paperwork. I was told it was processed through their internal messaging system. I later asked to cancel the waiver and they sent me the form. However, since this current reconsideration/review effort has been going on I've learned they never applied the waiver. This leaves me with 2.5 years of uncounted payments. I wanted them to count because I was in a XXXX dollar payment period because I was on XXXX from my employer while I completed my degree. They switched from sending me documents via email to an internal messaging system that they control and leaves no to a very short time-limited paper trial for me. I have complained to them for years about their handling and was assigned one person to speak to at one point. They do have some records or those conversations and actions but apparently not all. FedLoan Servicing is deceitful! They put me into deferral/forbearance when I didn't want to be because it would hurt me when I was in favorable payment range. I repeatedly asked where I could go to file a complaint and they never directed me to CFPB they just said they are the servicer the government chose for PSLF program. When I consolidated my loans I was not told the payments previously made would no longer count until after it was done. When I asked them to count them under the current initiative they didn't until I provided information my old servicer provided. I was fortunate old servicer still had the information. They never helped me verify my employment dates from previous employer that failed to sign or the state hospital that had closed. Their handling has been a hinderance of my financial freedom and impedes my motivation to trust what any of the representatives say. I do have some documentation to support my assertions.