Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Keep getting calls about your loan

This is my second complaint against my loan service, being made one week after I filed the last. 

I have been harassed with phone calls for over a month, being prompted with inaccurate billing information. Today, the representative who contacted me uncovered even more issues with how this has been handled. 

On XX/XX/XXXX I made what I believe was my final payment, only to be later called asking for {$110.00} dollars, and upon investigation the account shows only a {$4.00} balance. However that is from a late fee processed before requesting a final payoff amount. Every call since has requested the {$110.00} still despite being inaccurate. 

Today the service representative shocked by my situation, found that the late fee they have stated I owe was itself improperly processed and in fact I have overpaid my account and should have been issued a refund of {$0.00}. 

So I have received many calls, prompting me to pay {$110.00} when my balance was only {$4.00}, which I was told would be addressed. Only to find out from the 13th person I have spoken to about this, that not only was the {$4.00} mistaken, that it was improperly processed on my account and that I have in fact overpaid. Worst of all, none of the other reviews I have requested where ever actually targeted towards disputing that fee. 

This has been grossly mishandled, to the point that the rep I spoke with today agreed this all has been " highly inappropriate '', and has only now after a dozen calls actually assisted me in filing to have it properly disputed. Apparently every other representatives assuring remarks ( save for one supervisors condescension ) have been hollow as none of them actually investigated my account to uncover the extent that it was mismanaged.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2013 XXXX XXXX  XXXX CT-XXXX appeared on my credit report. I am disputing this item.Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 )  ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Complaint sub-issue: Investigation took more than 30 days

In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Complaint sub-issue: Debt was paid

I received a letter of debt validation from a company called XXXX XXXX in XXXX, i agreed to pay this creditor to not go on my credit for XXXX XXXX. I finished paying in XX/XX/XXXX. During the last 4 months PROCOLLECT started reaching out to me several times a day as to which on XX/XX/XXXX i asked for a debt validation letter because i had already paid the debt to a creditor who did validate and XXXX was paid in full. The started reporting the debt in XX/XX/XXXX. I've disputed all items and reached out on XXXX  through a complaint. Procollect is stating since the other company is not PROCOLLECT i would have to pay the balance AGAIN to them, which is not true and a scam tactic. They refused to remove this false information on debt that is paid.
Complaint sub-issue: Public record

I requested Equifax to verify a tax lien on my credit report. Case No. XXXX. I tried to verify this information with the court as well as the county auditor and was told that they do not verify information. Both the court and the auditor told me that Equifax received this information from a third party reporting agency. Because they are unable to verify the information, it must be removed from my credit report.
Complaint sub-issue: Funds not received from closed account

I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. 
The individual that wrote me the check inadvertently wrote the check from a old check book. 
All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank.

BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service. Federal law requires you to respond within thirty ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. Per the bankruptcy court they don't report to the credit bureaus. Pleas remove this inaccurate information. 

2. The following account was a Charge-off. Balance should be 0. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be 0. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be 0. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be 0. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account was a Charge-off. Balance should be 0. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be 0. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account was a Charge-off. Balance should be 0. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I am making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under File Number XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will be removed immediately.
Complaint sub-issue: Funds not received from closed account

Continue to not receive any cooperation from US Bank on receiving my {$25000.00} from the account they closed without provocation. Have traveled to branch bank where manager XXXX XXXX works & continue being denied access to my funds. My next step is to contact the Kentucky Attorney General and filing a complaint with that organization.
Complaint sub-issue: Funds not received from closed account

I am the CEO and PRESIDENT of XXXX XXXX XXXX XXXX XXXX number XXXX. I'm also a victim of Us bank Corporate Robbery, fraud, and scamming my company LA XXXX XXXX XXXX, Us bank business account XXXX, Routing number XXXX, $ XXXX Capital Funds. I called Us bank Corporate Office to speak to their customer support concerning my Us bank business account XXXX. Us bank said that I never had no Us bank business account XXXX exist at Us bank. This statement by Us bank customer support proves that Us bank Corporate office is misleading. Us bank business account XXXX XXXX attached. Us bank Corporate have taken over and Robbed our XXXX American business Capital which is illegal and criminal.
Complaint sub-issue: Account information incorrect

Both Equifax and XXXX  have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.
Complaint sub-issue: Information belongs to someone else

This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 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 an account without my written instructions.

15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Collected or attempted to collect exempt funds

I reached a written settlement agreement with Citibank , N.A . in XXXX and made monthly payments. Due to long-term unemployment that lasted from XX/XX/XXXX-XX/XX/XXXX, I was unable to make payments in late XXXX, so Citibank received a default judgement against me in XX/XX/XXXX. 

The attorney for Citibank sent a letter to me on XX/XX/XXXX and offered to modify the XXXX settlement agreement by letting me pay {$46.00} a month. I made the payments from XX/XX/XXXX through XX/XX/XXXX and sometimes paid for two months at a time. 

On XX/XX/XXXX, when I was three month ahead of schedule, and had paid {$130.00} extra, Citibank, without prior notification to me that anything was wrong, garnished and placed a hold on two checking accounts and one savings account at XXXX XXXX for more than I owed, including court costs, etc. The total of the three bank accounts was less than {$1500.00}. 

On XX/XX/XXXX, I filed a motion to exempt my property of less than {$6000.00} from garnishment and mailed a copy to the attorney for Citibank by certified mail. The attorney for Citibank received and signed for the certified mail. 

I called the attorney for Citibank on XX/XX/XXXX and asked a non-attorney employee to send a payment history to me by email and by delivery through the postal service to my home. I called again on XX/XX/XXXX and another employee told me that I should receive the payment history by email within 24 hours of my initial request. However, as of XX/XX/XXXX, I still have not received the payment history by email and the hold is still on my three bank accounts. 

The illegal garnishment and hold on my checking accounts, plus not sending a payment history to me are clear violations of my rights.
Complaint sub-issue: Information belongs to someone else

I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.
Complaint sub-issue: Public record

I paid for a vehicle. The Lender was XXXX XXXX, in XXXX XXXX, Va. I have pulled my credit reports in the past year, and I do not see the positive feedback/report of my Vehicle Purchase. I have a letter from XXXX XXXX that my Vehicle was " Paid in Full, No Late Payments ''. I do n't understand that! That was an XXXX purchase paid for in Two Years. What can you inform me, or help me to understand all this situation, because to ME ... it was a real big deal, having paid for this new ( new to me ) Vehicle. Thank You. My credit score was Low when i bought this truck, and i see no difference for my sucessful payment in full. Also, there is a " pay or quit '' notice showing, but the lease was NOT a contract between Me and the Apartment. It was an agreement from the in which i live, and i had to experience a city employee that did NOT do her job properly, hence, I ... got the legal papers that were degrogatory, I called her to get her to " do her job '' so, she Did pay the City 's portion of this One Year Lease, but the bad marks are STILL on my credit report. ... ALSO, I went to return an antiquitated cable box that I found sitting IN a box for 9 Years. To sign in at the Cable co. they TRICKED me into giving my Social Security number, I did return the box, *trying to do the " right '' thing, YET ... the cable co. is trying to get me for an XXXX Bill XXXX that I had NO idea of ... my Ex.B.F. ordered cable w/o my knowledge, and has moved away, i have no idea where he is ... nor do i care, so ... how can they stick ME with that bill, when I did NOT even order it, nor, watch it.? Please help me with these issues, i will NEVER pay that bill, one reason being the " Principle ' of the matter ... second being ... I ... never ordered that service. Thanks so much.
Complaint sub-issue: Debt is not yours

When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that XXXX XXXX claimed that it had debt from an original creditor, Citibank NA. I was unaware of any debt I may have had through Citibank. I called various numbers at Citibank, which referred me to other numbers at Citibank, none of which could find anything under my name and SS #. XXXX at Citibank told me on the phone to contact Applications. I am going around in circles, and debt buyer XXXX XXXX was unreachable. It purports to have a debt of {$500.00}, but both Citibank and I are unable to verify this alleged debt.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.
Complaint sub-issue: Information belongs to someone else

Please see attached letter to Equifax. Also, the companies that are erroneously reporting are not listed in the inquiry list, nor in the creditor 's contact information at the bottom of my reports. This is further proof that these accounts are NOT mine, and appear to be those of " XXXX XXXX ''.
Complaint sub-issue: Information is not mine

XXXX XXXX shows as a hard inquiry on my Equifax credit report ( the above case number is from Equifax ) that occurred on XXXX/XXXX/XXXX. I disputed with Equifax and they replied that it is an actual inquiry. The only XXXX related account I have is a XXXX card opened in XXXX for which an inquiry on my account shows as " XXXX '' made on XXXX/XXXX/XXXX. There should be no other XXXX inquiries as I have not applied for any other accounts with them or with department stores who might use XXXX. 

On the attached credit report, please see page XXXX where the inquiry from XXXX XXXX on XXXX/XXXX/XXXX is shown.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX and equifax and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. XXXX and equifax need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX i see in my credit score XXXX report me deliquent account, i di n't get email or something about that i 'm still owe {$300.00} pbecause termination but its okay so they give to ic system debt collection, i got letter from ic systemXX/XX/XXXX, and i pay right awayXX/XX/XXXXand ic system sent me letter i did n't owe anything else, but in my credit score i still owe them {$300.00}, they did n't report or what?? they take my money from debot cardXX/XX/XXXX,  can somebody help me thx because my credit score keep going down
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In light of recent investigation upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.