Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have tried on three occasions now to get LexisNexis to remove a bankruptcy they have listed on my profile.I have sent LexisNexis a written letter from the bankruptcy courts stating that they do not give out such information neither do they verify the accuracy of such records. I have proof that i sent my first letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX, XXXX.They responded without providing me any copy of any original documentation of their claim. I sent a second round of letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX. This time they did not respond at all to me within the thirty days nor after. When they failed to respond i sent them a thirty day non-response letter on XX/XX/XXXX which they received on XX/XX/XXXX. They again responded without providing me a copy of the original documentation which is required under the Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. They are also reporting addresses that i am not associated with that i will like to be removed.
Complaint sub-issue: Information is not mine

I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Complaint sub-issue: Funds not received from closed account

On Saturday, XX/XX/XXXX, my account was closed at approximately XXXX XXXX. I tried to transfer my funds externally, but my financial institution US Bank blocked my transaction, closed my account and has not updated me about my remaining XXXX and some dollars in my account that I have received through my jobs paycheck as a legal employee and have paid taxes on every dollar. I need my money to pay my rent as I quit my job shortly after however my money has not been sent to me and I have not been given an update. I went in person to multiple locations only to be told my account closure is pending and they can do nothing about it. I need my money ASAP or I will end up being evicted. Please help me.
Complaint sub-issue: Sued w/o proper notification of suit

A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX XXXX. who reported it the Equifax, XXXX & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never  received a response from XXXX or Equifax. After investigation, XXXX  removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX XXXX  who placed it back on all 3 bureaus again. I wrote a letter to XXXX  XXXX, who also ignored me. Again, XXXX removed the item with no response from XXXX  and Equifax. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX  removed the item with no response from Equifax. XXXX  took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe
Complaint sub-issue: Attempted to collect wrong amount

Credit agency is reporting medical debts from a third party creditor. Its unlawful for a credit reporting agency to report a third party creditor on my credit file, only the original creditor.. I would like these accounts deleted off my file
Complaint sub-issue: Investigation took more than 30 days

I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Equifax has failed to do this. In XXXX and XXXX of XXXX I mailed letters to this asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.
Complaint sub-issue: Investigation took more than 30 days

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any account s Credit Inquiries Credit Inquiries- Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Department Of Education XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX Department Of Education XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXl XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with rewards from credit card

This dispute is for an overcharge by XXXX. 

I bought a Green House for {$320.00}. I had {$230.00} in rewards points/credits on my Wayfair account from my XXXX credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.
Complaint sub-issue: Problem during payment process

I was locked out of my account. I am unable to see my account info or make payments. I have tried calling many times but have been put on hold for 6 hours. There is no way to contact anyone to restore access to my account.
Complaint sub-issue: Received bad information about your loan

I have been a federal employee of the Internal Revenue Service from XX/XX/XXXX to the present ( 21 years ). I signed up for the public service loan forgiveness program in XXXX, filed my employee certifications annually, made 120 payments, submitted the PSLF loan forgiveness form in XXXX, and was denied PSLF. Subsequently, the servicer incorrectly required me to consolidate my loans in XXXX and failed to inform me that all of my PSLF pre-consolidation payments would be eliminated. The 120-payment count was restarted to XXXX, requiring me to pay another 120 payments. 

I applied for the PSLF Limited Waiver ( XXXX ) in XX/XX/XXXX and was told it would take months to review my account to get the XXXX. Seven months later, Fed loan finally reviewed my account and sent me PSLF qualifying updates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without updating my pre-consolidation payments before XXXX. I submitted another PSLF form in XX/XX/XXXX requesting my account to be reviewed for the XXXX giving credit for my pre-consolidation payments, and requesting a refund. In XX/XX/XXXX, I received another PSLF qualifying update, and once again, Fedloan failed to review and credit my account back to XXXX. 

I was not given credit back to XXXX, which is what should happen under the PSLF limited waiver. My loans are consolidated as required by the XXXX. All of my employee certifications from the IRS show my hire date as XX/XX/XXXX and show that I have been a continuous federal employee. My account should be the easiest type of account to review and have the proper credit issued back to XXXX. I am filing a complaint because my PSLF count is wrong. I should be given credit back to XXXX and a refund issued for overpayments with interest. 

I have contacted Fedloan servicing and filed a complaint with the DOE ombudsman but have received no response. The White House is forgiving all of these student loans but not living up to the promise of the limited waiver for people who have been lifetime federal employees. I have had 1 public service job for 21 years. Fed loan has reviewed my account not once but several times and still has not correctly counted my payments back to XXXX and issued me a refund for the overpayment with interest.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Complaint sub-issue: Account status incorrect

I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the items.
Complaint sub-issue: Reporting company used your report improperly

I need to file a l complaint against Equifax. I am disturbed and alarmed to learn from an old roommate that some type of mail correspondence is being forwarded to him in XXXX. The address which is apparently on the letters is not an address that I ever supplied to Equifax, nor did I ever have an account with Equifax before today. 

Upon setting up an Equifax account today, the address to which the letters were reportedly sent is not listed. The letters are being sent without my consent or knowledge and I have no idea what is contained in the letters.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX USA XXXX XXXX, XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I wrote a letter toXXXX XXXX as requested from all three credit bureaus after disputing a XXXX XXXX  inquiry, I was told to contact the furnisher of the inquiry.

On XX/XX/XXXX I certified a letter asking for XXXX XXXX to provide a application letter giving my consent or permission to check my credit.

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose.

XXXX XXXX responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving XXXX XXXX or these specific companies named in their statement permission.

XXXX XXXX Can Not Provide These Documents.
Complaint sub-issue: Problem with rewards from credit card

I had been using the Citi premier ( Travel card ) credit card over the years. Last year I had to relocate to XXXX for a short period and due to Covid-19 pandemic my stay in XXXX had to extend further. During this time I faced a fraudulent activity in my card, I informed the Citi about it, after their investigation the amount were successfully credited to my account. 

As the standard process they initiated the card replacement. As I was located in XXXX. they sent the card to XXXX and i was told I can continue to use the card being in XXXX. On XXXX XXXX they had closed my credit card for the reason being I'm not a resident of US which was not notified to me. They had my email address and the contact number, but they didn't communicate to me about my card closure. 

Only during the last week ( XXXX XXXX ) when I attempted to use the card for a purchase, it did not go through. When I called the customer service, I was told that my card was closed long time back and a communication was sent to my XXXX address. I told them I did not receive any such communication and also asked for a tracking number to for the letter they mailed. They did not provide anything. I was unsuccessful in re-activating my card. 

Over the years I accumulated the thank you points from my credit card and was planning to redeem it for a air ticket. when I asked for a cash back from the thank you points ( XXXX points equivalent to {$760.00} ) i was told that it got expired as I did not claim it within 60 days from the card closure. I had a long debate with the customer service that the card had been closed without my consent and there was no communication to me. They were not ready to listen and were so rude that they can not help me. 

I accumulated those points over the years from the hard earned money and was also paying the interest to the credit card for the charges. I'm so fooled and cheated by the credit card company. I felt so harassed. 

Request your intervention in redeeming my thankyou points.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello, I have multiple student loans, all private and I would like to address the issues one at a time. Two of my loans are through CITIBANK, now sold to XXXX. They total XXXX but I owe more than I started with. I have made all the monthly payments, as suggested by them, yet my principal is more than I have started. I have zero late fees. In fact, my total payments so far exceed the original principal amount. 

With total private loan amounts exceeding XXXX, I need all the help I can get. I researched CITIBANK and noticed there has been a lot of litigation about misleading information and essentially mistreating the borrower. In addition, I have not been able to report any of my loan information when filing for my taxes since it was not available. This was also mentioned in the law suits. 

Can you please help? 

XXXX
Complaint sub-issue: Information belongs to someone else

I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not me!!!
Complaint sub-issue: Reporting company used your report improperly

I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

a process server tried to serve me with a summons and i was not there iam out of state i tried to get her to tell me who this collector was and wouldnt tell me just to call the court house i did said had nothing i know the dept is in with XXXX XXXX XXXX and lawyers r supposed to be working on it but said they dont have the summons cant do anything same with XXXX XXXX XXXX dont know where else to turn tried everything and XXXX XXXX XXXX not helping either they wont give the summons to anyone but XXXX XXXX and hes gone and i have power of attorney i tried to tell them if i have the info i can get this settled!! but i guess wont so i just dont know we are not anywhere to accept it just wish they get ahold of XXXX XXXX XXXX  or the lawyers at XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
Complaint sub-issue: Reporting company used your report improperly

INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY
Complaint sub-issue: Debt was paid

Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.