Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

Discover sent me a message saying the following : Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. 

Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.

Make other arrangements for any pending transactions as they likely will be impacted while your account remains frozen. 
If you were enrolled in Overdraft Protection or Auto Redemption to Savings you may need to re-enroll once the freeze is removed from your account. Please log into your account to confirm your settings once your account is no longer frozen. 

As a reminder, you're never responsible for unauthorized debit card online, or mobile banking transactions. For more details on fraud prevention and what we do to keep your account safe, visit our Security Center. 

Sincerely, XXXX XXXX XXXX XXXX, Discover Bank Customer Service In response I called them after I got off from work, and after waiting 30 minutes on hold, was told that they no longer wanted me as a customer and it would be at least 90 days before I could get my money back.
Complaint sub-issue: Account information incorrect

I filed Bankruptcy in 2017 and my three XXXX accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however Equifax on all three XXXX accounts are reporting balances in error. This is causing a 80 point drop in my Equifax score and I need the balances updated to show {$0.00} owed.
Complaint sub-issue: Need information about your loan balance or loan terms

I need a mortgage verification letter and/or loan summary letter that indicates my student loan balance is waived and/or at a {$0.00} balance. I am not able to print one from the Nelnet website.
Complaint sub-issue: Debt is not yours

I received a letter in the mail from FirstCredit Inc, which stated I owed a debt for lab services from XXXX of this year. The amount is what I usually pay for lab services, but I had no outstanding balances in the patient payment portal. 
I contacted customer support for the clinic, and they had records for that amount from XXXX and XXXX, both paid, and no charges in XXXX. The clinic 's customer service recommended that I contact the collection agency to ask who is the client they are billing for. However, I attempted to call both phone numbers printed on the debt collection letter, and neither phone number is in service. 
I can only conclude that this supposed debt collection is a scam, and I am concerned how they got my contact information. I want to know how this company got my information, as this specific debt does not exist, but the amount is the amount I have been billed at other times. I am concerned, especially as this is related to medical care, so I want to know that my personal medical information is safe. 
The amount of the supposed debt is small, only around {$45.00}, so I'm more concerned with the potential breach of my information that this represents.
Complaint sub-issue: Account status incorrect

Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XX/XX/XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Complaint sub-issue: Debt was result of identity theft

I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Unfortunately, this past year I have been going through a lot of medical hardships. On XX/XX/2020 I had to have a medical XXXX, which has pretty much up to the day, gotten worse, when we thought the XXXX was going to fix the problems that I've been having. I had to have XXXX XXXX  XXXX on the XXXX of XXXX, and actually after my procedure I've dealt with more problems in my XXXX   and XXXX XXXX XXXX  and not allowing me to work and have continued medical visits and problems. Therefore I haven't been able to satisfy paying my bill. While I do appreciate Flagship working with me as much as they have, the account as of XX/XX/2020 has reached the point of were the communication between Flagship and I have gone sour and the threat of repossession of the vehicle. Unfortunately I found out on XX/XX/2020 that I have now the diagnosis of XXXX XXXX and now have to see an XXXX  XXXX  to discuss further treatment and options. 

While I understand that Flagship does want payment, I feel forced to give them a date, to try and make a payment, when I can't work, because I fear the constant of them talking about repossession of the vehicle. 

I've even had a couple of their representatives state that and in addition I've had one representative state I've been driving thr vehicle for free to my medical appointments.

I called Flagship as soon as I found out my new diagnosis and told them. I would love to be able to work something out, however due to medical problems and being out of work payment isn't an option on the  account, due to the continued nature of my medical problems. I've even offered to fax over paperwork showing my medical problems and they've said that isn't necessary. 

The last conversation I had today XX/XX/2020 with Flagship was without payment it comes down to them getting ready to repossess the vehicle because the account is behind by four months. I unfortunately can't make payment as I've stated to them due to my inability to work.
Complaint sub-issue: Received bad information about your loan

I have severe XXXX XXXX. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.
Complaint sub-issue: Talked to a third-party about your debt

( 1 ) Past transactions with XXXX using XXXX reporting party 's creditor profile were not completely refunded when all items were returned ; and ( 2 ) Citibank allows third party thief to enter and break into home to steal financial statements and copies of card to not allow entry into online banking to review and manage financial information aside from resolve vendor disputes that reporting party believes are created to highlight the bad faith dealing that involves unauthorized third party thieves.
Complaint sub-issue: Information is not mine

XXXXSOC SEC # XXXX DOB XXXX XXXXTo Whom it May Concern : Equifax XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXCompany Information XXXX : XXXXDate of Inquiry XX/XX/XXXXCompany Information : XXXX BANK Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXXSOC SEC # XXXX DOB XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have sent several letters to Equifax, XXXX and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.
Complaint sub-issue: Problem getting your free annual credit report

For the XXXX year in a row Equifax has requested I send in a form to receive my credit report. It states not able to provide online every year I pay postage make a copy of my ID & SSN and bill verifying my address and they dont send me my credit report. This year is no different. Please forward me my credit report which my is right per law. Thank you
Complaint sub-issue: Reporting company used your report improperly

COMPLAINT FOR : Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a XXXX store in the town of XXXX, XXXX XXXX without prior authorization. We had seen a sign informing us that we could take articles " without credit check '' what is known as " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and mine. That is against the law and it has been reviewed in XXXX  's credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the XXXX employee who attended us, we await your prompt attention. Thank you. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

** In addition there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2020. 

A person that was trying to serve me papers harassed my family and I. They left legal papers outside my doorstep and not in my hand. They were outside the apartment building asking neighbors where I lived and then was Stalking from the outside looking in to my door.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.
Complaint sub-issue: Frequent or repeated calls

COLLECTOR KEPT CALING ME FOR XXXX XXXX XXXX AND IS COLLECTING ZOMBIE DEBT THATWAS SOLD TO XXXX XXXX XXXX AFTER THE SOL EXPIRED.
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting 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 items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} 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: Debt is not yours

Hello, I received a written communication about a debt from XXXX from the collector ERC stating that I owed {$360.00}. I explained that this debt was actually my deceased father 's debt, and that when I was acting as POA for him when he could not sign for himself that I was asked to sign in his place and the agent explained it was an account in my father 's name. I then explained how I had spoken to XXXX who said if I could prove my father 's death and when he was transferred from the service address to the XXXX home they would adjust the amount owing to be that date and that the bill would then fall below the threshold for any collection attempts I said I would provide them that information. I did submit via email the XXXX home records and death certificate for my father. Months ago. I hadn't heard anything again from XXXX ( and I have internet through them myself as well as cellular service ) that the debt was taken care of as promised. Then the ERC agent told me they would forward my dispute to their Dispute Team who would investigate the matter. I asked for a contact number for the team who would be handling the investigation and she told me " there is not a contact number they will be reaching out to you '' she repeated this when I explained I wanted to be able to follow up with that department and send them documentation of what was going on. I then asked to speak with a supervisor who then got on the line and told me the whole speal about this being an attempt to collect a debt ... I then asked for the same Dispute Team contact info and was told there is no dispute team and that the dispute goes back to the client. She got VERY upset when I told her they had lied to me and that it was fraud. I am absolutely disgusted by this.
Complaint sub-issue: Investigation took more than 30 days

With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX and another XXXX XXXX all are reporting this debt on credit report.
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 UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, XXXX and Equifax XXXX per XXXX XXXX instructions. To date XXXX and Equifax have not deleted/updated the late payments on my credit report.
Complaint sub-issue: Reporting company used your report improperly

The equifax security breach has affected me greatly. I have spent years trying to rebuild my credit only to have my score dropped by XXXX points due to this security breach. Im terrified that someone is using my information to ruin my good name and steal my money. I now have to go through countless measures in what seems like a hopeless effort to fix a problem that I did not create. I have notified equifax that I was affected in their security breach and I enrolled in their program but I have yet to hear anything back from them at all. Not even a confirmation letter letting me know that they got my request.
Complaint sub-issue: Didn't receive notice of right to dispute

This is in regards to a loan that has since received a default judgment against my husband and myself.  The loan was originally for XXXX, signed in XX/XX/XXXX.  The debt was paid down to below $30000 when this was sent to court and now has accumulated to over $57000.  We lost our business in XX/XX/XXXX, where shortly after my husband moved to XXXX to work.  Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages oXXXX XXXX.  She XXXX in late XXXX and I moved back to XXXX in XX/XX/XXXX.  Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from XXXX XXXX to an attorney who filed a judgment against us in XX/XX/XXXX.  They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time.  Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to Kohn law firm in XX/XX/XXXX.  We were NEVER sent any paperwork on this account when it was sent to either collection agency!  The only time I knew about Kohn law firm handling this case was when they stated garnishment proceedings on my husband in XX/XX/XXXX.  I did not know then that we could send a verification letter to these companies to verify the debt with them and now Kohn law firm says that I am entitled to a verifaction letter as it is past the 30 days notification!  How can that be when they never sent a letter to us regarding this debt?!!!  I have sent all information to the judge handling the case as well but nothing has been done.  This is not right and I would like something looked into regarding this.  I should be entitled to a verification of the debt from Kohn as well as XXXX, yet neither one will give this information!!!!  Kohn law firm continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!
Complaint sub-issue: Debt is not yours

Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which XXXX, XXXX, Equifax, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )