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

I requested that they stop calling on XX/XX/XXXX and they hung up. They called on XX/XX/XXXX and I hung up. They called on XX/XX/XXXX and I told the rep that the law is that they can't call me if I tell them not to call. I told them if they have a debt to collect that they have to do it through the court system. She was completely unaware of the law and firmly believed that she could continue to call. She wouldn't understand it so I said not to call and I hung up. They called again on XX/XX/XXXX and I didn't answer.
Complaint sub-issue: Account information incorrect

The Upgrade Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.
Complaint sub-issue: Information is not mine

There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 719XXXX has me at a score around 590. 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 XXXX  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 XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Billing problem

PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY.
Complaint sub-issue: Account status incorrect

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX Equifax and XXXX XXXXor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


On ( insert date ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Complaint sub-issue: Information belongs to someone else

I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Complaint sub-issue: Received bad information about your loan

Called into Nelnet after a primary wage earner layoff in XXXX to discuss Covid forbearance options? Was told all loans were in forbearance and to not worry. Now a year later we called to check in. And were told our loans were not in forbearance and Nelnet has accrued {$2000.00} in interest on the account. No paper records were sent out to notify us that we did not qualify for forbearance because our payment schedule was advanced because we had been paying ahead. No paper documents were sent out to notify us of this nor notifying us that we had to apply for forbearance because our loans were prior to XXXX. Nelnet stated they called but left no messages, no paper documents were sent. We are very disgusted with this business practice. Looking for other individuals who also had this happen to them. Looking to band together For class action lawsuit. Email
Complaint sub-issue: Their investigation did not fix an error on your report

I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late
Complaint sub-issue: Account status

I called XXXX and Equifax in regards to the XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XXXX, XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called XXXX and Equifax, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
Complaint sub-issue: Account status incorrect

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only XXXX has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
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. 

XXXX XXXX, Account # XXXX has violated my rights. 
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.

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, other than record 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 result of identity theft

XXXX, XXXX Z SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Fee problem

I was charged overdraft fees from Key Bank and I opted out of their overdraft protection and was told the transaction would be declined as I wanted it. I was hit with XXXX fees XXXX overdraft fees of {$XXXX} each and a {$XXXX} fee for not settling the account in XXXX days. I contacted them ans they waived XXXX of the XXXX fees and said sorry we cant waive anymore. Its misleading when I opted out of thier consent for overdraft and yet still get hit with a fee.
Complaint sub-issue: Old information reappears or never goes away

Still showme open the account on my credit report like credit karma XXXX and  XXXX
Complaint sub-issue: Information is not mine

I have unauthorized inquires on my report, I call and sent letters with documentation stating that the inquires where not authorized by me.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CALIFORNIA XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. CALIFORNIA XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/2018, my student loans were acquired from XXXX by Nelnet and XXXX. Nelnet took over the federally subsidized loans and XXXX the private loans. Both appear to be divisions or entities of the same conglomerate. At the time of the loan acquisition, I had already rendered my XXXX monthly payment to XXXX. XXXX seems not to have received a transfer of the XXXX payment, but Netnet has. My Nelnet account is showing current, but my XXXX account has shown an incorrect delinquency since the transfer. Again, they are two divisions / entities in the same conglomerate, but can not communicate with one another to resolve this. I have called several times as well as sent in a statement for the XXXX payment made to XXXX twice. XXXX customer service is unhelpful and condescending - but the issue is that a payment that I have made is not being credited properly and I keep receiving factually erroneous delinquency notices with the corresponding indications that my account will be referred to collections. The loan transference from XXXX to Nelnet/XXXX was without my consent, has resulted in a higher interest rate and, on top of this, the monthly erroneous delinquency notices.
Complaint sub-issue: Received bad information about my loan

To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.
Complaint sub-issue: Information belongs to someone else

There are a few accounts on my credit report that are invalid and not mine
Complaint sub-issue: Problem with fees

I opened a card with this company in XXXX. In XXXX I received a notice that they dinged my credit. I immediately called and they said when I opened an account with them they have a membership fee that I needed to pay. I told them i would send them a check and i did. They said I needed to pay {$29.00} for membership and {$29.00} for late fee and they would remove any negative reporting. I sent them a check for {$58.00} dollars that they processed and they responded by tagging me with another late fee and another negative on my credit report. Every time I call they say they will take care of it and its now XXXX the account has been tagged with 4 late fees and its being listed on my credit report as past due with a balance of {$120.00}. I have never used this card they advertise as a secured credit card to build credit. 
Everyone I have spoke to gives me the same responses and ask me the same questions. 
XXXX refused to give me an employee ID number and said it was against policy to give it to me. Which i am sure goes against CFPB regulation Last person I spoke to XXXX employee ID XXXX told me I need to pay the late fees and send a letter to have my account considered for adjustment to credit reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Talked to a third-party about your debt

ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.
Complaint sub-issue: Old information reappears or never goes away

I have contacted XXXX, XXXX and Equifax about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX Company Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX  XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/17 ATTN : I have evidence, ( see attached files. ) to believe CITI GROUP could possibly, have some discriminatory, practices CITI CARD., offers Free FICO SCORES ..to there Card Members, Over the past 3 months, the scores that they provided me over this time.have reflected, at least 35 Point Lower credit score, The key issue is I inquired with CITI, they stated the draw from XXXX.for member Scores However my other Financial Institutes ..relayed to me they Use the indentical Credit reporting Agency as CITI GROUP. ( XXXX ) Issue would be if all are getting same XXXX reports why would CITI GROUP 35 plus lower. If all Creditors I 'm am a Member of have express they are using XXXX to offer my score free monthly they should reflect the same score Those score represent.A Good vs a Excellent Borrower. 
I am of protected class. Over XXXX ..XXXX XXXX Female. An XXXX classification, If during investigation it can be shown a pattern .of discriminatory practice In reporting I would seek .Legal action referal in this matter, to include action if warranted Thank You for you attention XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX