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

Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment &amp; Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.
Complaint sub-issue: Information belongs to someone else

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, Equifax and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022, I checked my credit report from a collection listed on my report from XXXX collections. I filed an dispute with Equifax the same day. On XX/XX/2022, I received a message from Equifax that my dispute was completed, but it didn't specify anything about the fraudulent charges. On my other credit reports it was resolved and removed. Equifax failed to investigate the situation and removed the fraudulent charges from this collection agencies, so I'm filing a class action suit against them and the collection agencies for fraud and constant harassment. This is screwing up my credit. I'm a victim of identity theft, and I had to go through XXXX with the XXXX to get my identity protected. I have no other choice but to file a lawsuit. This is getting ridiculous and out of hand. This collection keeps popping in and out on my credit report for XXXX years now, going on XXXX. It's not even permanent. It just appear off and on all over my credit report. But they don't see fraudulent charges there. I contacted the collection agencies and they even send me fraudulent papers to fill out, but yet they keep posting these charges on my credit account. I know it's against the law for these types of organizations to see personal information to creditors and this what's happening now. 

Company : XXXX XXXX XXXX keep reposting this every XXXX months and the amount keeps changing. The organization they are helping scamming people is the same organization that's been sued several time this year and last year, and previous years for fraud, identity theft by the Department of Education for scamming students, with multimillion dollar lawsuits. They still have thousands pending class action lawsuits against them today and I'm going to be added to filing a class action suit against them too. XXXX XXXX University is a scam college and uses people personal information to gain financial support from scamming students who graduated XXXX XXXX years ago, with made up debt that doesn't exist besides student loans. They should be sued and shut down across the country with all the lawsuits they loss and had to repay people and the department of education XXXX XXXX suits for lying and committing fraud. They were found guilty of all fraudulent activities and they are still at it. 
Amount : {$1900.00} XXXX XXXX : Equifax.
Complaint sub-issue: Account status incorrect

I made a payment for {$440.00} on XX/XX/2022 for my XXXX car note payment. However there was an error with my bank that stop the wrong payment. I realized in XXXX that I had a late charged I immediately called Carmax to bring the payment current and to tell them that it was an error. I asked for a courtesy removal of the late charge since it was an error with my bank. They refused to do so. When I have proof that it was an error.
Complaint sub-issue: Personal information incorrect

Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
Complaint sub-issue: Account information incorrect

XXXX is reporting that CBNA has submit a hard inquiry. I reached out to CBNA on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called XXXX ( XXXX ) back on XX/XX/XXXX from XXXX and explained what CBNA stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask CBNA for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run my credit.
Complaint sub-issue: Problem accessing account

I use XXXX XXXX to help budget but PNC does not like to release my recent transaction reports to allow me to actually use XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.
Complaint sub-issue: Talked to a third party about my debt

TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. 

I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.
Complaint sub-issue: Information belongs to someone else

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

i do not know how, why, or when a fraud alert was placed on me but i want it removed. i am unable to apply for any credit due to this fraud alert. i am unable to order my credit report to see if someone has used my identity due to the alert. how can i get it removed!
Complaint sub-issue: Account status incorrect

Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial 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 would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this late however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The Superior Court of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Information belongs to someone else

Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.
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 {$580.00}, {$450.00}, {$15000.00}, {$0.00}, {$280.00}, {$4400.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Complaint sub-issue: Trouble getting, activating, or registering a card

On XX/XX/ XXXX  I contacted US Bank Reliacard to update my address and have my unemployment card resent. The address that they had on file was the hotel that my family and I were staying at due to displacement. The representative informed me that my account was flagged ( by whom? ) and that I had to verify my identity via their website before they could issue an address update and new card. I did as I was advised and called back on XX/XX/2022. This representative advised that they couldnt update my address because NC XXXX had to it. I informed her of the last reps advise and asked to speak with a supervisor. XXXX was unhelpful and wouldnt pull the last call that I made on XX/XX/XXXX. I explained that my address was updated on Unemployments end but he still wouldnt help me. This bank has so many complaints about them doing this to others without authorization to do so. Now XXXX concerned that they will charge me extra fees for having funds on that card even though I never wanted to do business with them in the first place. NC XXXXXXXX XXXX wouldnt allow me to use my XXXX XXXX  account and I was forced to do business with US Bank Reliacard. Someone needs to look into these complaints and do something.
Complaint sub-issue: Debt is not yours

Equifax has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX, which Equifax reports negatively that I owe this company. There is no contract. This debt is not mine.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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: Problem with paying off the loan

On XX/XX/XXXX, I was involved in a vehicle accident that resulted in my XXXX XXXX XXXX being declared a total loss by XXXX XXXX. After the collision center at XXXX XXXX XXXX in XXXX, NC, submitted paperwork to XXXX XXXX on XX/XX/XXXX, the insurance company sent the necessary power of attorney documents to my mother, XXXX XXXX, on XX/XX/XXXX. The car loan from VW Credit is in my mother 's name due to the fact her credit score is higher than mine and she was able to secure a lower APR when we refinanced the vehicle XXXX years ago. However, the vehicle has been in my possession since XX/XX/XXXX, and I reimburse my mother for all car payments. 

XXXX XXXX informed VW Credit on XX/XX/XXXX, that my mother and I had completed all necessary paperwork and had accepted the payout amount of {$5500.00} to go towards paying off the vehicle. XXXX XXXX requested VW Credit sign a letter of guarantee and send to the XXXX XXXX total loss department as soon as possible so that a check could be cut and overnighted to VW Credit. 

For the past 10 days, VW Credit has sat on the letter of guarantee, refusing to sign it. In the meantime, VW Credit continues to draft my mother 's bank account for car payments on a vehicle that is currently sitting in a salvage yard. On XX/XX/XXXX, VW Credit drafted her account for {$220.00}. I have reached out to VW Credit on several occasions, but I've been given the runaround. XXXX XXXX has contacted VW Credit on a daily basis to expedite my total loss claim but VW Credit refuses to acknowledge its fiduciary responsibility and sign the letter of guarantee. 

In the meantime, I am having to pay out of pocket for a rental vehicle. The current cost is approaching {$500.00}. I believe that VW Credit should do its job and close out our account, so that I may purchase a new vehicle. This is creating an undue hardship due to the fact I commute XXXX miles roundtrip to work every single day.
Complaint sub-issue: Account information incorrect

RISE Credit fraudulently pulled my XXXX credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with RISE, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my XXXX  credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with XXXX  and was told they have not received a directive from RISE to remove the inquiry. I spoke with RISE and they told me they had, in fact, requested the removal of the inquiry from XXXX, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but XXXX is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I am a single mom XXXX years old, for XXXX kids I work so hard to fix my credit card 2 years before that and it was great, but after my mom being so sick and her XXXX get worse, I started to lose my focus and my job started to complain, I left my first job and little by little I started to freak out and I wasnt able to do anything right, even watching my kids I cant keep up pay my won bills and off course cant pay for my credit I was looking for credit consultants to help me out for more organized but after 2 months I was almost work part time to be with my mom most the time my friends in church was help me with the kids but finincialy I felt apart, and it was 12 credit cards, I really dont remember the amounts 1XXXX 2-XXXX  XXXX 3-XXXX 4-XXXX  5-XXXX XXXX 6- XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX 9-XXXX 10-XXXX 11-XXXX  XXXX 12-XXXX After my mom passed I full apart and I been hospitalized 3 times in one month in XX/XX/2018 And I figured out that after all the health assessment that I have XXXX/ XXXX and that was explained why I was so attached like that to my mother and why I was so XXXX  and full in deep XXXX since I sow her going Down to death. 
But now I start to get my life together now I started to study back to get my certificate as XXXX XXXX XXXX  ( XXXX ) exam and I hope I can fix this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to properly investigate unverified accounts and remove them per 15usc 1692 g ( b ) iii, per 15usc 1681, resulting in violation 18usc241.

Fact- Notice of no further investigation would be permitted violating 15usc1681d ( b ) ( c ), 1681 ( d ) 3, 15usc 1681E ( a ) ( b ) The apparent willful neglect of 15usc 1681 ( L ), 15 usc1681 ( m ).

Upon request of contract of obligation I was five false documents that showed no judgment of account or contract of agreement. Violating 15usc1692j. I am due remedy for these violations against me under 15usc1681o. The accounts unverified are XXXX XXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX  reporting since XX/XX/XXXX XXXX reporting since XX/XX/XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Approximately 60 days ago I contacted Citibank after I made my payment of {$100.00} and later saw they added a annual fee of {$99.00} which put me over my limit. I asked if they could wave the fee because, due to COVID19 I was having financial difficulties. They told me they couldn't do that but if I called back in 30 days they could work with me and they reversed my payment of {$100.00}. After 30 days I called them again, as they told me to, and was told they couldn't help me until I was 60 days late and to call back then. I did as told and now they are advising me to make a payment I can't make to get in good standing or they will cancel my card. They also reported my account to the credit bureaus. I am beyond upset as I have followed their instructions thinking I would be able to arrange an affordable resolution without ruining my credit. 



I followed their instructions. I believed they would work with me. They lied.
Complaint sub-issue: Was not notified of investigation status or results

Equifax is still reporting a derogatory item on my credit history that should have dropped off in XXXX XXXX. I submitted an online dispute with Equifax on XXXX but did not hear anything. I mailed them a request for a new credit report ( and included all requested documentation ) on XXXX but did not get a response. As of XXXX the item is still showing up on my account at XXXX ID from Equifax.