Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Called after sent written cease of comm

I have previously sent this company a written cease of communication notice, as I do not owe this debt and even if I did, it is long past the statute of limitations. 

Somehow, they have gotten my cell phone number and are calling me on my cell phone. 

After being told they were calling me on my cellphone without my consent the individual said they had the legal right to call my cellphone whether consent is given or not. 

I do not owe this debt. This debt is past the statute of limitations for collections. I wish to be compensated for the unauthorized calls to my cellphone
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Complaint sub-issue: Problem using a debit or ATM card

I originally saw {$3600.00} outstanding. I have been in contact with US Bank representative XXXX XXXX, XXXX XXXX and others. Per our conversations, US Bank was to mail {$140.00} this week and the other matters pending since XXXX, 2019 namely CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
To date, Friday, XX/XX/2019 I have received 0 confirmation. 

Below is my email to US Bank on XXXX XXXX, 2019 memorializing our conversations : XXXX XXXX XXXX XX/XX/2019,  XXXX AM ( 3 days ago ) to XXXX, XXXX, me, XXXX, XXXX US Bank XXXX Per our conversation, this is to confirm that my {$140.00} check will be mailed this week and all other matters pending since XXXX, 2019 CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
Again, my mailing address is : XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL XXXX.
Complaint sub-issue: Need information about your loan balance or loan terms

I have acquired student loans through XXXX ( XXXX ) and XXXX XXXX school ( XXXX ) education. I have had multiple loan servicers including XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX and now most recently FedLoans. I am currently in the PSLF program and have requested multiple times for over 2 years a count of my qualifying payments. Both of my employers through my residency program and XXXX XXXX XXXX are qualifying employers, but these 7 years worth of payments have not been counted appropriately. My payment plans have included IDR/IBR. It appears that with the changing of loan servicers my account had been put on multiple forbearance holds from XXXX, including administrative holds, to which I was unaware. This has negatively impacted my credit report and credit score as well.
Complaint sub-issue: Reporting company used your report improperly

On or about XXXX XXXX, 2017 Equifax released my credit report information to unnamed third parties without consent. My private information, such as my SSN, date of birth, driver license number, and address, collected by Equifax and held in trust, are now, basically, public information. As a result, I have been forced to monitor my finances with extreme diligence to watch for fraud that may negatively affect me financially and affect my ability to obtain future credit. Equifax has put an undue burden on me to prevent fraud to my credit. I have filed a fraud alert with Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Can't decrease my monthly payments

When I was XXXX ( XXXX ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but I am going to have to come up with the nearly {$500.00} a month to pay my student loan. The rate they have me paying is about half of my monthly income. Add that to {$200.00} in rent plus my other monthly bills and basic living needs and I would have been left in the negatives every month. There was no way I could afford to make that payment. Because of this, I have been stressed for the past XXXX years and have XXXX and XXXX to the point where I now have to take medicine to function normally throughout the day and a different medicine to get rid of my anxiety and relax me enough to fall asleep. 
I have now defaulted on my student loan and have been told I could settle for {$35000.00} or I can pay {$9000.00} upfront and then make payments but the amount that I can afford wont even cover the interest on this loan. 
I 've run out of options and I am searching the internet for any sort of help available.
Complaint sub-issue: Public record

Several times I have filed complaints with Equifax , referencing public records Judgement XXXX and XXXX, just now I filed another complaint, Equifax conf # XXXX, XXXX settled with attourney prior to court appearance, if paid per agreement this would be removed, this was paid in full a while ago, this is over 4 years ago. 
The next judgement XXXX, was a result of medical debt paid and also over 4 years old. 
Equifax is also reporting a credit inquiry from XXXX XXXX, from XXXX of this year, please note attached sheet where on XXXX/XXXX/15 XXXX XXXX said this inquiry was removed.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute regarding discrepancies on my credit report it has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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
Complaint sub-issue: Unable to open an account

I applied XXXX checking account on XX/XX/XXXX. It's been a month, and my account is still not ready yet. Every week, they sent me an email says I need to call for verification. So far, I've uploaded my driver 's license, the photo of me holding my driver 's license, the photo of me & driver 's license & a note says I'm applying upgrade account, XXXX form, XXXX, and tax returns from XXXX and XXXX. They are still NOT able to open the account for me. I don't understand why this is so difficult. I'm just applying a simple and normal checking account, not a loan or credit card. The customer services are not professional nor friendly either. It took me at least XXXX calls to figure out I need to uploaded those forms from IRS. In the past month, I've called at least 10 times, wrote a bunch of emails, but Upgrade is still reviewing my application. No one ever talks to me about anything regarding my application until I call in and ask for instruction.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX/NELNET - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened US DEPT. OF EDCUATION - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened
Complaint sub-issue: Reporting company used your report improperly

Last night Equifax announced a major security breach. 

My account information, amongst millions of others, has been comprised and probably sold.
Complaint sub-issue: Information belongs to someone else

someone is running my name and ssn applying for credit cards and auto loans
Complaint sub-issue: Investigation took more than 30 days

This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Complaint sub-issue: Deposits and withdrawals

I am currently a customer of Citibank. On XX/XX/XXXX I noticed 2 of my checking accounts were overdrawn, both my primary and my secondary checking accounts. My primary account was overdrawn - {$81.00} so I deposited in the amount of {$95.00} to bring the account current. A transaction presented was returned so my account was positive. 

Today on XX/XX/2020 I saw the account that was positive is now negative again. When I called Citibank I was inaccurately advied that it i a federal regulation and that the bank can offset any negative balance. 
I asked what regulation and after being placed on hold for almost 10 minutes, the agent XXXX returned to the line and quoted me that Regulation Z permits banks to offset depsotiory accounts. 
read reg Z online while on the phone with the agent and he gave me a link and told me that this is the law https : //www.fdic.gov/regulations/laws/rules/4000-6100.html. 
Upon viewing I advised XXXX that this is a depository offset as a result of a failed financial institution. 
I asked if Citi is a failed institution and XXXX resonded no. 

My concern is Citi is trying to mitigate risk and eliminate risk so I understand why they debited my positive account. 
However, they debited my account not accounting for the items pending. So in an effort to resolve 1 account they overdrew another. 
I called and advised them of this and asked why they would take out more money than I had when there are items pending. 

I was advised by supervisor XXXX that pending POS transactions don't count toward the balance. Because pending items can fall off Citibank takes into account the balance without factoring in the pending transactions. 

I felt that was a wrong practice. Pending transactions are authorized and are just waiting to post unless I advised otherwise and should have been factored into the balance when determining what the proper amount to debit was. 

Now in an effort to offset a negative balance, they created an overdraft. If they took the difference 1 account would be overdrawn not 2 again. 

This account received a bi-weekly direct deposit as does all of the accounts I have. 

When I addressed if they could reverse it they advised it could not be reversed. 
I asked if I could be considered for an OD refund and was advised I could not.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX  XXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX   and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my Equifax credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, Equifax, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and Equifax have refused to remove this negative item from XX/XX/XXXX from my credit report.
Complaint sub-issue: Information is not mine

I recently pulled my credit report and found errors in the information. I have written the company and called several times only to be treated very rude by their customer service. The FCRA states that the only permissible purpose for pulling someone 's credit report is XXXX firm offer of credit b ) insurance c ) employment d ) a court order. The following credit inquiries are none of the aforementioned permissable purposes : XXXX, XXXX XXXX XXXX, XXXX ( twice ) and XXXX XXXX Financial in 2016. I have also requested information in regards to a NY XXXX XXXX XXXX in which there has been no response and should be removed. Lastly I have requested that they update my address to my current and remove all others. Again no action taken.
Complaint sub-issue: Account status incorrect

I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly.
Complaint sub-issue: Trouble getting a working replacement card

US BANK RELIACARD HAS PLACED A HOLD MY GOVERNMENT ISSUED DEBIT CARD ( PUA BENEFITS. ) DUE TO A ADDRESS CHANGE. MY CLAIM WAS PROCESSED IN XXXX AND I HAVE BEEN TRYING TO VERIFY MY CORRECT ADDRESS TO HAVE A REPLACEMENT CARD ISSUED. I HAVE FAXED ALL THE REQUIRED DOCUMENTS OVER 5 TIMES AND EVEN VERIFIED MY IDENTITY ON THEIR WEBSITE. BUT CONSTANTLY TOLD MY DOCUMENTS ARE DENIED. IT HAS BEEN 6 MONTHS AND I HAVE NO ACCESS TO MY BENEFITS. I HAVE CALLED, EMAILED FOR OVER 4 MONTHS AND RECEIVE NO ASSISTANCE JUST THE RUN AROUND. I AM UNEMPLOYED DUE TO THE PANDEMIC AND HAVE NO INCOME AND REALLY NEED MY BENEFITS THAT THEY ARE REFUSING TO RELEASE. THEY KEEP ASKING FOR MORE DOCUMENTATION THEY EVEN REQUESTED MY SS CARD AND TAX DOCUMENTS FOR AN ADDRESS CHANGE WHEN I HAVE PROVIDED MY STATE ISSUED IDENTIFICATION CARD ON SEVERAL DIFFERENT OCCASIONS. PLEASE HELP I HAVE EXHAUSTED ALL MY OPTIONS WITH NO RESOLVE.
Complaint sub-issue: Account status incorrect

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/22 credit report was given stating points decreased due to one unpaid bill with MRSBPO collections. Called this company and was informed of ( XXXX ) area code with Florida address had opened an XXXX mobile account back in XXXX XXXX and amount pending was {$2200.00}. I never lived in Florida nor do I own a mobile number starting with area code ( XXXX ). I did not give consent or open an XXXX mobile account.
Complaint sub-issue: Their investigation did not fix an error on your report

The decision maker at Nelnet are willful in not honoring my request to delete my account from XXXX  and XXXX  ; Here 's my point please share with director of compliance, let me explain while there is no minimum time frame a account must stay on report there is a maximum. so at the sole discretion of any company they have rights to remove an account early without violating the fcra. 
I am writing to please ask the director of Compliance to honor my request to remove info off XXXX  and XXXX. Sincerely Resolution Sought Remove account from XXXX  and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Information belongs to someone else

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXXXXXX XXXXXXXX XXXX )