Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX XXXX. after I recontacted them, was told it is D2Management 2 ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : D2 Management LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Complaint sub-issue: Funds not received from closed account

Hello, I have a major complaint/issue that I need help resolving. I will start from the very beginning. 

My dad passed away last XXXX ( 2021 ). His life insurance policy paid him out {$190000.00}. My mom was the beneficiary. My mom gave me {$70000.00}. I put {$40000.00} into the Citibank savings account. I then added {$8000.00} from my personal checking with XXXX. Then I added {$5000.00} from the same account. Well, when I added the {$5000.00} from XXXX, that was the week they changed over to XXXX bank. So account numbers changed. The deposit was denied. I wasn't sure if that was the reason why the transaction was denied, but that's the only logical reason I can think of. But something odd occured, the money got put back into my XXXX account, as it should, but my balance in my Citibank account reflected that the {$5000.00} was in fact deposited. I figured after a few days it would get deducted, as it should. It stayed there for about XXXX weeks. This was clearly a bank error. Then this week, they sent me a letter in the mail saying that my account is being closed due to fraudulent activity with the mention of the {$5000.00} deposit that was denied. That was the only thing mentioned. My account has been blocked for about XXXX days and I have no access to my money. 

I have spent hours and hours on hold with citibank, and transferred around with different people because nobody has any idea what they are talking about. Nobody could tell me why my account was flagged for " fraudulent activity ''. 

I finally got to talk to someone yesterday who gave me some information. He didn't tell me the reason it was being flagged, but he did tell me this. 

My money has been transferred to the federal government because it has been determined by the fraud department at Citibank that the money is not mine. My money isn't even with Citibank anymore, it is with the federal government apparently. 

Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just snatched the money out of my account with no explanation. 
I have spoken to numerous people from citibank and nobody can point me in the right direction, they just told me to hire a lawyer. I filed a police report in XXXX XXXX, Michigan, a complaint to the FDIC, and a complaint to the comptroller of the currency. 

I have the XXXX XXXX of where the money came from and how it is most definitely my money. Please help me get my {$48000.00} back. 

Thank you, XXXX XXXX
Complaint sub-issue: Debt was paid

Called in XX/XX/2022 to make a payment received confirmation number from rep of paid amount, payment didn't go through because of the representative mishap. never was informed of this until payment was marked as late and reported to credit score
Complaint sub-issue: Received bad information about my loan

I attended XXXX XXXX University XXXX XXXX XXXX, MO in the XX/XX/1990. I admittedly defaulted on my loan. My wages ended up being garnished for, I believe, 10 years. I received notification that my loan was completely paid off and my wages were no longer being garnished. A few months later, I received a letter stating that in fact my loan was not paid off and I still owed in excess of {$8000.00}. This information came from West Asset Management who has since been garnishing my wages ( again ) because I tired of their games. I was told that I could submit various financial forms for consideration of their rehabilitation program. After submitting various documents and being told they were n't good enough, I just quit and figured they could come after me. Which they did. I received another letter in the mail telling me they were now coming after my tax returns even though they 've been steadily taking out a percentage of my paycheck. I do n't understand how I can have paid off all the loan and interest, be told that I had fulfilled my obligation and then have them come after me again for garnishment and tax-returns. They are very opaque in their dealings and do n't make it easy for XXXX to understand just what one 's obligations are, especially as they apply to amounts assumed to be paid. Whether or not I think what they are doing is fair, is it legal? Can I be told that I have no further obligations only to have them turn around and tell me that I do? Is this an endless cycle of me paying off XXXX obligation only to be met another and another until my last day on Earth?
Complaint sub-issue: Received bad information about your loan

My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.
Complaint sub-issue: Information belongs to someone else

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account XXXX XXXX- XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had signed up for the Citibank/XXXX credit card in XX/XX/XXXX. I forgot to set up payments for this card until XX/XX/XXXX and Citi reported a late payment to XXXX and XXXX. I requested Citi in XX/XX/XXXX to remove this reporting and they agreed. The fixed the reporting in XX/XX/XXXX. But in XX/XX/XXXX Citi reported late payment once again even though I had auto-pay set up on my account this time. I contacted them several times on phone since then and they verbally agreed that the last reporting was a bank error. But they have failed to remove the reporting. I filed complaints via the Citibank Credit Bureau Disputes but they always reply that the reporting is accurate.
Complaint sub-issue: Account status incorrect

the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through XXXX service, but could not figure out how to do it properly
Complaint sub-issue: Threatened or suggested your credit would be damaged

Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.
Complaint sub-issue: Account status

The current balance for this account is NOT {$1500.00} as being reported by Equifax. The current balance on this account has been paid down to {$860.00}. It has not been updated in several months. In addition, this account is on a current payment arrangement and is being paid according to the terms of that arrangement. The statement dated XXXX XXXX, 2016 directly from the VA 's Debt Management Center shows the updated balance. This account should be updated to reflect the actual balance or removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

in 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account
Complaint sub-issue: Reporting company used your report improperly

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. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - 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 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 ) 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: Debt was paid

Macys XXXX statement was paid in person at the store. The payment was not credited to my account. 
Macys reported XXXX that payment was overdue which loweredmy credit score.
Complaint sub-issue: Debt was result of identity theft

I pulled my credit report and noticed Fraud Accounts on my report. Its is doing damage to my credit report and lively hood. I need the fraud accounts removed.
Complaint sub-issue: Public record

I have disputed with Equifax on two different time frames regarding my public record. I did not file for bankruptcy. I contact the BK court house and they informed me, they do not provide any information to the credit bureau, and they are not held responsible for inacurate information that maybe collected by third parties. Equifax is in vilation of Fair Credit Reporting Act 623 ( a ) ( 3 ). I never filed for bankruptcy and this public record needs to be deleted permanently, from my credit report. My next step is to file smal claims. I also, sent the Equifax XXXX XXXX, CEO a copy of my dispute letter. 
Equifax, has not verified nor validated the bankruptcy, providing my signature at the bankruptcy court house, the court house does n't communicate to the che credit bureaus. I
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Can't get flexible payment options

I was basically bullied into leaving this University. I was lied to about my completion rate at the beginning of my last quarter at this school. I was told if I got C grades or higher for full time, my completion rate would be in good standing for a federal student loan. By the end of the quarter, this person who lied about my completion rate suddenly disappeared without a trace. Although my GPA was raised as promised by me completing the credits needed, the completion rate was not high enough to get the money I needed to continue at the University. They tried very hard to keep my grades lower than a C, but I worked so hard that they had to give me C 's for my, what was A work. I filed numerous complaints about these grades, but no-one seemed to care, if they listened at all. When I brought up the teachers being on a separate payroll by failing 64 percent of students at this school, it was game over for me. They refused to grant my personal loan with Sallie Mae even though I was approved. They held the loan money too long, and discharged me from the University. I feel as though I did my part, but they did not follow up at all with their end, and tried everything to have me quit. When I did n't, they just hit below the belt because I had nothing, and was vulnerable. They are still trying to make me pay some random fee now, a year later, even though I am in a tremendous amount of student debt. It is my understanding that this University was under investigation twice by the XXXX during my enrollment.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I went to Drivetime in XXXX, NJ and negotiated the purchase of a XXXX XXXX XXXX. With the documents and down payment of {$1100.00} provided I took delivery of the vehicle on about XX/XX/XXXX. They claimed to need to do a work verification but it should present no problems since it was just protocol. I was on limited work hours from my employment at XXXX XXXX but was still employed there. However there was a hostile work environment investigation ongoing at my employment which caused my supervisor to report to Drivetime that I had been terminated. This was not true. This action caused Drivetime to come and repossess the vehicle at XXXX two weeks later without any sort of notification or attempt at resolving this issue. Furthermore Drivetime has refused to return any of my {$1100.00} down payment claiming expenses on their part. I must say if they wanted the vehicle back because the falsehood told by my now former employer which i voluntarily resigned from after this incident, i would have returned the vehicle without Drivetime incurring any expenses for having to forcibly repossess the vehicle. When I have asked Drivetime to explain this action they have claimed I needed to be on my job for 6 months which i was at the XXXX. For the record this was not explained to me as a requirement and doesn't state it on the documents I signed for the car that i have seen. 
To make matters worst Drivetime has reported the car loan on my credit and has refused to cooperate in having it removed.
Complaint sub-issue: Information belongs to someone else

This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : XXXX : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX EQUIFAX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To whom it may concern, I refinanced my house. In the closing instructions. My Citi bank card was to be paid of. XXXX XXXX XXXX XXXX XXXX issued a check in the amount of {$3000.00} on XX/XX/21. Citi bank cashed the check on XX/XX/21. 

After numerous phone calls. Citi bank is failing to take action. They are not interested in seeing the check or the information located on the check that will help to locate it. 

The credit card balance remains. Im continuing to have to make monthly payments and am being charged interest. Im seeking assistance and resolution. This check thats in their possession needs to be applied to the balance. And I need to be reimbursed for the interest they have charged since they have been in possession of the check. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my account.