Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I contacted FedLoan Servicing via XXXX XXXX on XX/XX/XXXX ( the chat feature on the FLS website was not working at the time ) to request a refund of a payment for {$1500.00} I made on XX/XX/XXXX after the COVID forbearance began. I received an email on XX/XX/XXXX from a Customer Service Associate at FLS stating that the request for the refund had been submitted and could take anywhere from 2 weeks to 2 months depending on the Department of Treasury. I called FLS after 2 months had passed and was told that they could see that the request had been made but it had not been processed and that they would expedite it. On XX/XX/XXXX, I sent another message on XXXX XXXX to check on the status of the refund request. I did not receive a response to that XXXX message so on XX/XX/XXXX I called and spoke with someone at FLS who stated that FLS could not issue the refund because the payment was made to XXXX ( my loans were transferred in XX/XX/XXXX from XXXX to FLS ). As a result, the refund requests were being cancelled each time. I was also told that I would need to contact XXXX instead even though they no longer service any of my student loans. I called XXXX and they were understanding and helpful but said they would need to look into it. I then received a call on XX/XX/XXXX from the Customer Service Associate at FLS who was assisting me previously and she stated that she found proof that I made the {$1500.00} payment in XX/XX/XXXX and she submitted that proof. She stated it was now pending approval from the Department of Education and that it takes 7-10 business days to receive the check once it is approved. My loan balance in the FLS website now reflects that {$1500.00} has been added back to my loan balance but the refund has not been issued to me. I checked in again with FLS on XX/XX/XXXX and was told that the request had been resubmitted and was pending final approval from Federal Student Aid. I checked in again and received an email that my most recent request from XX/XX/XXXX was still pending final approval and that it required a secondary review due to being a higher amount. Once approved, it would take anywhere from 2 weeks to 2 months. As of XX/XX/XXXX, the refund has not been issued. It has been 5 months since the refund was originally requested. I do not know who to contact at this point because each time I ask, I am told that a different entity is reviewing or needs to approve the refund ( Department of Education, Department of Treasury, Federal Student Aid, etc. ). I do not know who to contact at this point as the person who is following my case at FLS replies each time that it is still awaiting approval and takes 2 weeks to 2 months and names a different department each time who still needs to review the refund. I am trying to get this resolved before FLS stops servicing my loans once their contract ends. Any assistance would be appreciated in resolving this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

On : XXXX XX/XX/2022 XXXX XXXX denied me for the Second Time a Credit Limit Increase, on my XXXX XXXX XXXX XXXX Credit Card, just because I had a Couple of Months, using their Credit Card, by them.
Complaint sub-issue: Debt was paid

Ally financial is reporting that they repossessed my vehicle and that it was involved in an accident. It was neither of those things. It was refinanced with XXXX XXXX. It was never repossessed. I have always been in possession of the vehicle. Still own it.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I disputed an amount with XXXX XXXX in XXXX. They refused and said they would ruin my credit. They then put the amount they said I owed {$82.00} on my credit as unpaid debt. As of XXXX XXXX, a debt collection agency added this debt to my credit as a new debt and has claimed it as late for the last year. This was an old debt, added onto my credit as a new delinquent debt. I found it on XXXX, due to an app I have, and suspect it is also with the other two credit bureaus, but have not paid to receive a copy of those reports yet. This is underhanded ... adding this debt as a new delinquency. 

I contacted XXXX  and disputed the debt and as of XXXX Experian has removed it from my credit report. 

Information is as follows : XXXX Report number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information, including SSN, DOB, DL #, credit card numbers, and other information which has led to a breach that puts myself and millions of others at guaranteed 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. while their executives took the time to sell shares worth millions of dollars. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Information belongs to someone else

There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Information belongs to someone else

From XX/XX/XXXX through XXXX XXXX there were fraudulent inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XXXX ) ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. All bureaus have removed this information except equifax .this information has cause my business to be turned down for credit on multiple occasions .A police report has been sent to equifax but still the information is being reported.
Complaint sub-issue: Account information incorrect

I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, Equifax, XXXX XXXX, XXXX. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.
Complaint sub-issue: Information belongs to someone else

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.CITIBANK USA , NA XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Account information incorrect

Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. 
I want Equifax to follow through on this new policy with the following : XXXX XXXX XXXX placed on on my report on XX/XX/XXXX a debt of {$89.00}. XXXX dollars from XXXX XXXXXXXX XXXX XXXX. 

This is a debt I deny ever owing but irregardless, I want removed completely from my report.
Complaint sub-issue: Other problem

I close my account with discover bank credit card around  XXXX   XXXX .  2017  and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my  XXXX  dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending  XXXX  and I need this money cause I 'm unemployed
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information belongs to someone else

I found out that there are two accounts on my credit report that do not belong to me. I found out today XX/XX/19 when I signed up for a credit monitoring service because I am working on improving my credit. I did not know these accounts were on my credit report because I did not open them, I've never had any written/verbal contract with any of these companies nor have I allowed anyone else to open an account with these companies. I suspect that they belong to my father XXXX XXXX XXXX. I am still investigating the situation and I have already filed a police report. I did not benefit any money, goods, services or any other benefit from any of these accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We filed a claim in regards to fraud charges multi times, sent out explanation letter requesting further investigation but got ignored. Power of Attorney has sent via certified mail but no one contacted me or my dad.
Complaint sub-issue: Account information incorrect

I obtained a auto through XXXX on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XX/XX/XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XX/XX/XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' XXXX has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.
Complaint sub-issue: Information belongs to someone else

This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or deceit. 
XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$94.00} MEDICAL XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several request to have fradugelent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX XXXX XXXX and XXXX XXXX was previously deleted and now reporting once again
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Account status incorrect

Equifax, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX  still showing on credit report even though it is told old to be reported.
Complaint sub-issue: Threatened arrest/jail if do not pay

I received a call from a person named XXXX XXXX from the XXXX XXXX XXXX contacting me on an aggraved complain filed against me and need to speak to me to get both sides of the story and to document before case is issue for prosecution. If I did n't call back it will be documented non-compliant and forward to county for prosecution. I called back and spoke with XXXX XXXX, she said she was from the Investigations pre-trial division of XXXX, stated I would be prosecuted today and taken to XXXX in XXXX County if I did not resolve this matter outside of court. Placed me on hold, came back and said she needed to fill out a stop prosecution form and needed to ask me some questions. She asked if I had ever been prosecuted for writing fradulant checks, I stated no. She asked if I or my spouse had anything in our record indicating such behavior, I said no. She asked if i was on probation, I stated no. She then asked for the names and contact numbers to XXXX individuals who would speak on my behalf to attest I was a person of moral character. I provided my step father 's information and my sisters. She asked who XXXX XXXX was, I replied my aunt. She asked me to confirmed I still lived at my home address and I said yes. She confirmed the last XXXX digits of my social. She then placed me on hold, came back and stated the review board had agreed I could resolve this matter outside of court. Gave me this number to the attorney who handles this : XXXX, then asked If I new what XXXX was. That I needed to solve this matter within 2 hours or I would be arrested today and taken to XXXX county XXXX from 21 to 45 days before I could see the judge to plea my case. Said I needed to pay {$1100.00} via XXXX. At this point I felt very scared and unconfortable she continued to threaten me, asking me if I understood I will go to XXXX today unless this matter was resolved. I XXXX their number and online it stated it was an unsafe number. The number I contancted her was XXXX. I then googled EZloan and a page on the Consumber Bureau came up stating EZcorp had lost a sue from CFPB due to unlawful debt collecting practices. I told the lady on the phone I was not comfortable making any payments via XXXX, she said Okay then Good luck. You 're going to Jail. I then contacted theCFPB who read me the EZcorp case and explained that the phone call I had received was not okay and that the way I was being threaten was not okay and advised me that If i wanted I can file a complaint against them and explain what happend. I am scared, these people know where I live, the lady threaten me multiple times. I 'm scared to go home, I have small kids and now they have more contact information to more family members. I understand it was not legal for them to tell me that, it does not take the fear away. Please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious.
Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I contacted discover and citi bank in XXXX of XXXX  to inform them of accounts that were opened in my name. Since then I have tried working with discover ( XXXX validated my fraud claim ) and have gotten no where. I have sent them evidence showing where other people were using my address, where I was not receiving mail sent to me, where someone tried filing for unemployment in my name through state of California, at least 2 other people received mail from California employment department for unemployment, a list of minimum 15 other people using my address for theirs now I've lived at my address for 20 years and no one but my spouse myself and XXXX XXXX  receive mail I signed up for usps service to see what mail I should be receiving what day and multiple times I've not received all mail addressed to my home. I've sent documents showing where someone signed up at id.me and also tried to receive a small business grant. Discover still says I'm responsible for the account but when I ask for any information regarding the account I get shut down and told they can not g8ve me information because I said account was not mine.
Complaint sub-issue: Account status incorrect

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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: Debt is not yours

Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.
Complaint sub-issue: Debt is not yours

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Complaint sub-issue: Problem with fees

citi charged me credit protection fee i neaver asked for