Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. 
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX 
o We XXXX take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XXXX/XXXX/XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX , is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Complaint sub-issue: Frequent or repeated calls

They call up to XXXX per day every day after I told them I have no income since XX/XX/XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

IN XX/XX/XXXX I FILED A CHAPTER XXXX BANKRUPTCY. DYCK O'NEAL. I HAVE DISPUTED SEVERAL TIMES BECAUSE THIS ITEM WAS APART OF THE XXXX BANKRUPTCY. THEY HAVE CONTINUED TO RE-AGE THE ACCOUNT. RECENTLY, IN XX/XX/XXXX IT WAS DISPUTED AGAIN, AND IT WA REAGED AGAIN ON MY EQUIFAX REPORT. 

ON XX/XX/XXXX THE ITEM WAS REMOVED FROM MY XXXX  REPORT
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX : XXXX -- -> : {$260.00}
Complaint sub-issue: Account status incorrect

I did not track telephone calls/correspondences from the debt collection agency, Hunter Warfield. 

We began in XX/XX/XXXX writing letters to the creditor and collection agency and the Minnesota Attorney General 's Office ; the Creditor and I went to court in XX/XX/XXXX and the case was dismissed, nothing awarded to either party ; The Creditor and her attorney told my attorney that they contacted Hunter Warfield and said the debt is not valid and asked that it be removed ; they have not had further contact with Hunter Warfield and have not received anything from Hunter Warfield. I wrote Hunter Warfield a letter in XX/XX/XXXX enclosing correspondence from my attorney indicating the debt is not valid and asking they remove the debt from my credit reports and in XX/XX/XXXX I received notice from XXXX stating that Hunter Warfield verified the debt as a valid debt even though it was made aware by that time that it is not a valid or enforceable debt. 

My attorney has sent a letter today, XX/XX/XXXX again requesting they stop reporting it as a valid debt and to remove it from my credit reports. 

Hunter Warfield also reflects two different amounts as owing ( {$1000.00} and {$1000.00} ) and the Creditor and her attorney admitted to my attorney they do not know where Hunter Warfield arrived at the initial {$720.00} amount or how it has gotten to be over {$1000.00} or why it would show as two different amounts on my reports. 

This is hurting my credit score ( and has been since XX/XX/XXXX apparently ) and I am not able to open a business banking account until this is removed from my credit report which they are unwilling to do. 

Hunter Warfield has not had any communications with me or my attorney either.
Complaint sub-issue: Reporting company used your report improperly

In 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

CFBP Explanation to input in : ( can re-word it ) but must have all in the body In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I've reached out to XXXX and they informed me that LEXISNEXIS is the XXXX that sends them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Mortgage Service is incorrectly reporting I'm in collections with 2 credit card companies XXXX XXXX and XXXX XXXX. My own reports show both accounts have been closed since XXXX XX/XX/XXXX. XXXX XXXX effective XX/XX/XXXX closed the account with a XXXX Balance. Today XX/XX/XXXX XXXX XXXX reported the account has been removed from my credit report. XXXX XXXX has added remarks to my report indicating the account is closed and not in collections. I'm attaching information from all 3 credit agencies which verify my above statements.
Complaint sub-issue: Sued w/o proper notification of suit

Judgment against me I was not served
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 60 ) 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 is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Public record information inaccurate

Loan number XXXX was incorrectly reported as being part of a bankruptcy when this vehicle was a total loss. I was in communication with the total loss department of Volkswagen credit on numerous occasions dealing with this incident. This vehicle was in a severe motor vehicle accident and not part of a bankruptcy
Complaint sub-issue: Information belongs to someone else

I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I had received statements for medical treatment from XXXX XXXX XXXX. I made payments on the balance as best I could and told the staff by phone and in writing that my husband works out of state and gives me a monthly stipend to pay bills. I have been out of the workforce since XXXX. I am in an XXXX relationship and financial control is one form of it, documented in my medical records. I told the billing staff in writing and by phone that I was doing the best I could. When the Pandemic hit, my husband who works for an airline had the potential to be laid off, and I advised billing staff. I requested a print out of my ledger so that I could see my balance and that the payments of {$20.00} or {$25.00} were applied. XXXX never sent it. They stopped sending statements. They said I could only set up a payment arrangement if I submitted my husband 's gross income/ tax return. I do not have access to his money, he keeps most of it in an account I have no access to, and I told the staff. I do not want to risk physical injury to myself by submitting the tax return to them, and it's misleading when I only have a smaller amount to work with- it would not give an accurate view of my financial problem.I believed that my contact with staff would prevent collection activity. However, they submitted my account to Ameri Collect I learned XX/XX/XXXX. I called Ameri Collect and XXXX XXXX claims they sent me a letter XX/XX/XXXX that was returned to them by post office. I asked what address it was sent to, and she refused to reveal it to me, giving only the house number.She had no details s to why it was returned, and said it was sent by " normal mail ''. I asked if it was resent, and she said once it's returned they do not try to mail it again. Apparently they did not confirm my address with XXXX either. She claims to have 9 accounts of mine that were turned over to them, which makes no sense. Again, my written request of XX/XX/XXXX for a print out of my account reflecting payments I made was denied by XXXX of XXXX. She returned my letter to me with her notes scribbled on it. I still have to confirm with XXXX what I owe, and I need to see how the payments I made from XXXX to present were applied.
Complaint sub-issue: Investigation took too long

Equifax is requesting an additional 60 days to the Consumer Financial Protection ( US ) as of XXXX/XXXX/2016. Equifax mentioned this is what XXXX XXXX , XXXX is reporting however XXXX, XXXX can not provide me signed documentation or proof I owe this debt. It 's my belief Equifax is violating the " Deceptive Trade Practices Act ''. Equifax should report information correctly or remove it within 30 days as they advertise. Asking for a 60 day extension with the Consumer Financial Protection is unacceptable and deceptive in my belief of how they conduct investigations. After my original dispute it should not be reported unless the company had accurate documented backup.
Complaint sub-issue: Trouble with how payments are being handled

I XXXX from XXXX College in Maryland ( now XXXX University ) in XXXX and from University at XXXX XXXX XXXX in XXXX. I have a loan from the XXXX XXXX XXXX XXXX ( XXXX ) that has been serviced by Great Lakes since at least XX/XX/XXXX. I am in a standard repayment plan, with monthly payments of {$350.00}. 

Over the years, I have diligently made extra payments on the loan in an effort to repay it earlier. Great Lakes never gave me the option of applying 100 % of those extra payments to the principal of the loan in order to reduce the principal and thus the amount of interest being charged. Instead, even while I made the automatic monthly payment of {$350.00}, they applied a portion of each extra payment to principal and a portion to interest, considering me to have " paid ahead '' on the loan. I did not wish to " pay ahead '' but to reduce the principal beyond the amount that the monthly payment did in order to make headway on repayment. 

Finally I took advantage of the fact that I am paid ahead to XXXX, and I stopped monthly payments sometime within the past year due to some income issues in my family. I started making monthly payments again this month, but now the amount of interest outstanding is over {$1000.00}, and all of the repayments are applied to that interest amount first. 

Great Lakes practices seem out of step with normal loan servicing practices and hurt consumers like myself who are simply trying to rid themselves of student loan debt burdens. 

I am not able to provide my account history. Great Lakes only provides statements for the past year, and since I was not making payments, there is little information available to me. I would be happy to work on reconstructing the history based upon my bank account and other records, but it would take some time and effort.
Complaint sub-issue: Banking errors

XXXX XXXX XXXXXXXX XXXX {$8.00} ommitted, missing -- - CITIBANK account after purchasing gas XXXX XXXX  for {$25.00} XXXXXXXX XXXX XXXX  Other complaints have been made for theft @ CITIBANK XXXX XXXX XXXX  Only one customer service representative to address account.

They were cleansing -- a coffee scent They have the tellers completing IRA paperwork Could not find paperwork Mash potatoes and gravy XXXX XXXX XXXX XXXX XXXX XXXX, the teller, will ask the clerk at the desk for the paperwork and they could not find the sheets or forms and did not know the codes to access the computer. 
XXXX was trying to put her son in my XXXX to cleanse him. 
Stated we clean with your soul. 

The clerk at the desk discriminated based on hair texture and will then state you are here just for cleansing we are the ones stealing your money from the account. 

A XXXX could be heard on a loudspeaker stating to 'us you were not a XXXX ' that is why we treated you this way. 

Germans are for cleansing and diluting. 
I could not believe you are a XXXX. 

Filed several complaints for discrimination from Citibank on behalf of their representatives. 

They were performing vodoo as they held the paperwork. Representative stated we are trying to put our XXXX on you cause we get and work at bank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX
Complaint sub-issue: Billing dispute for services

I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX  my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.
Complaint sub-issue: Reporting company used your report improperly

Acct name Acct # n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Don't agree with the fees charged

The issue is my student loans should already be paid off. Instead, I still have a {$37000.00} balance. 

The very first payment on all my student loans was set up wrong by AES. Ive requested information but have never received it. Ive requested an override but have never received it. AES is charging me 7.375 % and I should be paying between 1.75 % to 3.15 %. 

AES says my interest rate couldnt be dropped because I missed a payment. For 20 years my loan has been on auto draft and Ive not missed a payment. Online it shows I missed my very first payment. Ive asked AES to provide me documentation on this matter for over 10 years now and not once have they sent me any information. 

AES failed to set up my auto draft properly and is punishing me for it. Had my loans dropped to a lower interest rate my loans would be paid off at this point. Instead, I still owe over $ 30k of principal between 2 loans.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed a breach to come to light as of XXXX/XXXX/2017. There is also evidence that they have already known about this for months, in addition to several high level managers selling stock just before the official announcement. Their actions this point seem to have only been to help themselves and leave the public in the lurch. Their resolution has people sign up for a " free '' service that binds people to an arbitration clause, and most likely starts charging them for the service after their free year is concluded.
Complaint sub-issue: Trouble with how payments are being handled

My student loans were in default. Last tax year XXXX, IRS garnished all {$9000.00} of my tax return to pay on this loan. This past XXXX tax year, IRS took the remaining {$4000.00} to finish paying the loan off. As of today, this account still shows that it is a collection! It is not, it is paid in full and should be saying so. It is hurting my credit report extremely negatively when I try to get new credit. This needs to show that all of the loan accounts are paid in full and needs to get off of my credit! ASAP. This is ridiculous, it's been over a year since payments have been applied!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XX/XX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

on XXXX XXXX, XXXX they charged me a debit adjustment fee of {$95.00}. I called the PNC Bank the same day to see why. They said that when I went to the Atm machine XXXX/XXXX/XXXX and withdrew {$55.00} I took out {$150.00} instead and that they had it on video. I told them that before I left I counted my money and that I received a total of {$55.00} and not the {$150.00}. They then told me that the person who puts the money into the Atm machine had put the {$20.00} bills in the {$1.00} slot and the {$1.00} in the {$20.00} slot and did not make sure the money was in its correct slot. I spoke to a manager in the store about the problem and she also told me that this had happened to someone else that same day. I called customer to speak to the escalating team because the dispute team denied my dispute. And the escalating team said they are just waiting on the video from the dispute team. On XXXX/XXXX/XXXX the dispute team gave me provisional credit for the {$95.00}. Then on XXXX/XXXX/XXXX they took the provisional credit back. Then on XXXX/XXXX/XXXX they sent me a letter in the mail stating that they credit my account the {$95.00} back. However the funds has not been credited back into my account. I have tried my best to be patient with the dispute and escalating team but they still have not resolved the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written dispute letters to Equifax, XXXX and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.