Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with the fees charged

My name is XXXX XXXX. Im writing you in regards to financial aid I didnt receive but the school is stating I received these funds. I did register in XXXX of XXXX and I believe the first disbursement was XX/XX/XXXX. The school I was attending which was XXXX XXXX XXXX XXXX disbursed my first payment and I received it but soon as I did I stop attending right after. 

On my paperwork I just discovered it showed I was withdrawn and next to it was showing code 51 for reason. As of last year I started working on my credit and couldnt understand how I owed over XXXX XXXX dollars in financial aid when I did not receive that amount. 

I started investigating on my own an saw my financial aid application was showing two disbursement. One in XX/XX/XXXX and the other showing XX/XX/XXXX. I cant understand if I was withdrawn how did I register for the next semester. Also how I passed my class in fall when I only attended a few online classes until I received my disbursement. 

The school has committed fraud against me or it could be an error but the fact they wont give me proof where those disbursement went is telling this was intentional. I look into old bank statements couldnt find anything. I also was told by XXXX that school received those funds and sent them back to XXXX but now the school is telling me I received the funds. 

They advised me to reach out to you to request information where those funds went but soon as you can get me what I need it will prove I didnt get that second disbursement in spring of XXXX. I hope I can get what I need to prove Im telling the truth but knowing how the school acted Im already assuming this wont be much help but at least it will be on the record. I need XXXX XXXX to prove they sent me those funds. Either a deposit or check. 

If you need to reach me you can by email or my cell XXXX. Ive been at my address XXXX XXXX XXXX XXXX XXXX AZ for 9 years. If they needed to contact me they could have. So every sign is telling me the school has done this to me and others. I really hope to get this matter resolved before it becomes bigger than it is. All Im requesting is that the school provides me with proof they sent those funds in spring of XXXX to me either with a check or deposit. If I owe it Ill pay but I know I didnt receive those funds. 

I have attach my XXXX and XXXX tax return. I filed XXXX that I attended school and for XXXX I didnt so I didnt file. I know I need proof but its hard to prove something you never received so Im giving you all I have. When I attended I attended long enough to get my first disbursement. I enrolled in online classes and I completed a few and I mean a few. This school didnt withdraw me until XX/XX/XXXX although I stop in XXXX of XXXX. They where passing me just to receive the financial aid money. How sick is that I guess its normal seeing no one has any intentions on helping me. I really hope someone here will.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX XXXX XXXX US DEPT ED-XXXX DPT EDXXXX XXXX  XXXX XXXX, I ( Original Creditor : XXXX XXXX XXXX ) -XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX**** XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/18 unable to honor request from Dept Veterans Affairs XXXX pension award benefits exempt from claims of creditors
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit reports on XX/XX/XXXX and found a negative account reporting on collections from a company called hunter warfield. I have never been contacted by this company and was never given notice of this debt owed to give me a chance to dispute it. However they have already reported it on my credit file. The Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which are enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) states that debt collections must provide written validation and verification of any debt attempted to collect. I am taken legal action to sue the collections company for violations the fair debt collections act by not contacting me directly to both verify and validate this supposed debt owed. I want proof that the apartment complex did not move a new tenant into the apartment before selling this incorrect debt to hunter warfield.

As of XX/XX/XXXX, the XXXX XXXX XXXX reported 397 closed Hunter Warfield complaints over the previous few decades, such as 120 closed HW complaints over the past 12 months. The XXXX provides HW with a B evaluation. Additionally, XXXX  lists 28 complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, two alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) lists 255 closed HW complaints for XX/XX/XXXX.
Complaint sub-issue: Right to dispute notice not received

I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I've dispute multiple reports and I've heard nothing back.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.
Complaint sub-issue: Frequent or repeated calls

There is an old account that has been flagged as a charge-off and removed from my credit report. The collection agency ( Jefferson Capital ) has been calling me multiple times each day, with 2 of the calls being around 11 pm. They keep calling from multiple different numbers, and they have once tried announcing themselves as an IRS representative, prior to them stating that the address to mail payments to is XXXX XXXX XXXX, XXXX XXXX Minnesota, which upon further research, ended up being the address to Jefferson Capital. They have now sent a letter in the mail that shows an incorrect balance that is different from the balance XXXX shows. In the letter, it also includes them stating that I need to contact them, or else they will interpret failure to contact as an admittance of all of their information being correct, which I feel is an attempt by them to reset the legal clock of the time a debt expires.
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/2018, Credco ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports
Complaint sub-issue: Didn't receive terms that were advertised

I have opened a new Citi Accelarate Savings account on XX/XX/XXXX with {$49000.00} which had an advertised interest rate of 2.36 % APY. On XX/XX/XXXX I received an interest payment of {$1.00} which does not match the interest rate advertised by Citi bank at 2.36 % APY. The statement is reflected as .02 % interest rate. I have filed a complaint with the bank and was advised that it has been fixed on XX/XX/XXXX and the applicable interest will be deposited into the account. On XX/XX/XXXX another interest payment of {$67.00} was deposited into the account with the balance of {$50000.00}. And the rate on the XX/XX/2019 statement is showing as 1.59 % even though when I call customer service I am being told that my interest rate is 2.36 APY. When I log in online the rate in being hidden and not reflected on the online banking. I feel like I am being lied to and taken advantage for misinterpretation by Citi bank. I have called again on XX/XX/XXXX and filed another complaint and waiting another week for a unknown resolution. Please help!
Complaint sub-issue: Reporting company used your report improperly

In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 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 am account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has accounts on my credit report which havent been updated since XX/XX/XXXX. Equifax refuses to follow bankruptcy as these accounts have already been included and discharged in my bankruptcy which was filed XX/XX/XXXX. Equifax has an inquiry on my report which is fraudulent from XXXX XXXX. Ive never applied for that company. My XXXX XXXX auto loan is paid off and equifax doesnt report that. Equifax has each account listed on my credit report twice. Most of which accounts such as XXXX which was fraudulent anyways opened by identity theft hasnt been updated since XXXX. Equifax also refuses to follow bankruptcy laws and refuses to update the accounts on my file even though they were discharged.
Complaint sub-issue: Problem using a debit or ATM card

A purse was purchased from XXXX XXXX on XX/XX/2021. As they stated my package was delivered and signed for. Indeed it was, I also still have it. My package was damaged and only XXXX can file a claim with XXXX. I have tried to contact XXXX  and was told to contact the shipper. I have contacted XXXX and was told that a chargeback was filed with TCF so there is nothing that they can do. I have provided all of these documents to you all including a police report. I will continue to escalate this if needed.
Complaint sub-issue: Debt was paid

Collections company is reporting inaccurate my auto loan is paid per obligation of the united states.
Complaint sub-issue: Didn't receive enough information to verify debt

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for EOS CCA. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious EOS CCAI have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Received bad information about your loan

I believe am fully eligible for PSLF, I have been with the same XXXX employer since XX/XX/XXXX and the program started XX/XX/XXXX AND I have been on income based repayment plans all this time too. I completed my application for PSLF in XX/XX/XXXX and I received a letter dated XX/XX/XXXX that states I am not fully eligible for discharge yet, and it is estimated that I will not be until XXXX. I am totally confused how I can be on income based repayment plans for the last 12 years and NOT be fully eligible for PSLF   yet. I am also confused on how two of my loans originated on the same date but have two different dates for estimated eligibility dates. PLEASE any suggestions or assistance you can provide will be greatly appreciated!!!! 

I also sent proof of name change and that has not been fixed
Complaint sub-issue: Information belongs to someone else

To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.
Complaint sub-issue: Other problem

I have two existing checking accounts at Citibank ( Citi ), and I recently applied for and was approved for a Citibank Executive Mastercard ( MC ). Shortly after my MC was activated, I received an email from Citi advising me that for my " convenience '' the MC was linked to the existing checking accounts. This was done without my consent or approval. I called Citi and advised that I did not want the accounts to be linked. To ensure the accounts would not be linked, I was instructed to create a separate User ID for the new MC, which I did, and the accounts were unlinked. Within 24 hours, the MC was again linked to the checking accounts. I called again, and the account was unlinked, only to be linked again in 24 hours. I went through this exercise for the next three days where my MC was unlinked then linked back to my checking accounts. I called Citi to complain that they are tampering with my account without my consent. They keep linking the MC to my checking accounts without my consent and against my explicit wishes and instructions. In fact, they are altering my account without my approval as they are utilizing a User ID for the account which I did not authorize since I have established a specific User ID for the MC.
Complaint sub-issue: Information belongs to someone else

while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.
Complaint sub-issue: Overdrafts and overdraft fees

Had four items presented as pending. Made a XXXX deposit. Per Reg CC deposits post before debits. 

All items were paid and I was charged XXXXX4 in NSF Fees. I was not overdrawn. I have pictures of my bank balances in real time the day of the activity and the day after.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX and paid them $ XXXX the check was cashed on XXXX/XXXX/XXXX. 

I am requesting that XXXX XXXX XXXX, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the XXXX major Credit Bureaus- XXXX XXXX and XXXX.
Complaint sub-issue: Account information incorrect

following accounts are incorrect, and they are adversely Affecting me DEBT Of ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED   1 )    XXXX   XXXX -17  XXXX -17  XXXX   XXXX  17   XXXX   XXXX -17  XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Complaint sub-issue: Information belongs to someone else

I am disputing all incorrect information from my credit report with Equifax to help my file.