Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Complaint sub-issue: Information belongs to someone else

Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the Equifax data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

sears.com refuses to credit full amount for their 30-day Price Protection original purchase on XX/XX/XXXX {$1000.00} price on XX/XX/XXXX {$870.00} credit to date of {$120.00} leaving an amount due of {$32.00}
Complaint sub-issue: Fees charged for closing account

I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for XXXX XXXX  monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.
Complaint sub-issue: Account status incorrect

I have disputed 4 times and sent documentation for each dispute. XXXX, equifax and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX paidXXXX XXXX XXXXXXXX also sold to XXXX  paidXXXX XXXX XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!
Complaint sub-issue: Debt was result of identity theft

I saw on my credit report I have an account with XXXX XXXX, that is past due and reported to collection to Jefferson Capital. I don't live in the US. I left the US in XXXX. Since then I have not maintained a residential address in the XXXX. According to the record, the account for cell phone was opened in XXXX. I was not in the US then. Why would I open an US cell phone account, when I was not even living in the country? I haven't paid taxes in the US then, not paid electricity, not had a job in the US then. It could be verified. 
I didn't know about the account until I looked it up on my credit report. I haven't received any notifications in XXXX or since then. 
It is for {$1000.00}. I am not even sure for what period that refers, what usage, on what residential address is this service based? I didn't have a US residential address in XXXX, so on what address is it based? I want a full investigation of the charge, I want to dispute it. Who opened it? 
The past due amount has been reported to two credit bureaus, XXXX and XXXX, and the third one knows about the account too. I tried to contact XXXX, but they say because the account has been transferred to a collector, they don't have more information about it. They can't tell me for what period it is, what is the address of the customer.
Complaint sub-issue: Account information incorrect

Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been dealing with credit discrimination for many years. I filed for bankruptcy 5 years ago. I recently completed my obligations and my credit score seems to be decreasing. I have friend that are XXXX with the same scenario and they have gotten approved for many loans to include the ones I have been denied. I would like a comparison take with someone of XXXX race making equal amount of yearly income and compare with my situation and see the inconsistencies and blatant discrimination.
Complaint sub-issue: Billing problem

To whom it may concern, In the month of XX/XX/XXXX, I was XXXX for complications involving XXXX. I subsequently called ALLY Financial Auto in XX/XX/XXXX once I saw that my credit report ( all 3 credit bureaus ) showed a " past due payment. '' My Credit score dropped by XXXX pts. This should not have been the case since I paid more than the {$730.00} due. I was told by Ally Financial that my hardship was acknowledged and I was not delinquent and the credit reports would be corrected. 
In XX/XX/XXXX, I was reported past due once again, causing an additional drop of XXXX pts. Moreover, it appears that the actual monthly amount is not at issue, since I pay {$800.00} ( more than {$730.00} ) every month. The attached exhibit shows that Ally Financial Auto is treating a late {$670.00} late fee as a " past due '' amount every month going forward. The predatory behavior on the part of ALLY caused damage. To wit : 1. It puts my housing at risk, since rent is based on a good credit score. 2. It raises all other credit costs because equitable access to credit is based on a good credit score. The predatory interest rate is racists, as it applies to mostly XXXX and XXXX consumers who, like me, are caught in this cycle.
Complaint sub-issue: Other problem getting your report or credit score

Equifax isn't updating my credit report. Its been over 3 months
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Problem lowering your monthly payments

On XX/XX/XXXX, I received a private loan from XXXX XXXX for {$30000.00}. I  graduated from XXXX in XX/XX/XXXX. Since then, I have been paying at least {$280.00} a month as a repayment. I began XXXX XXXX  in XX/XX/XXXX, but was unable to receive a deferment on the private loan payment despite not being able to work. At the same time, I was able to receive deferments for the extensive federal loans. Despite this fact, I paid my monthly payment of {$280.00} a month every month since the summer of XX/XX/XXXX. I graduated from XXXX XXXX in XX/XX/XXXX. During this time, my loan has been transferred by XXXX to American Education Services, and they have increased my loan payment to {$300.00} a month. I have been unemployed since XX/XX/XXXX,  but I 've been able to pay my monthly payment every month. However, the payment is crippling. The outstanding balance on the loan is over {$35000.00}. I need immediate help with paying this loan.
Complaint sub-issue: Information belongs to someone else

I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, XXXX  and Equifax with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.
Complaint sub-issue: Having problems with customer service

As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?
Complaint sub-issue: Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Complaint sub-issue: Used obscene, profane, or other abusive language

This company calls from various phone numbers and they are very rude. They call my wife and harass her about a debt that she does not know about about. They talk with her about debt and confirm my SSN and info, which they did not check with me first. This guy tells my wife he is going to sue her and take everything and trys to scare her into paying. At one point my wife offered to make a payment, which her card was declined. She never received a call back to confirm payment. 20 days later this company calls from XXXX and they say they will seek legal action immediately. They called 3 times within a 2 min window. My wife asked for the operator ID of the person she was speaking too to write a complaint and the call was disconnected. This debt has disputed on my credit.
Complaint sub-issue: Funds not handled or disbursed as instructed

Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.
Complaint sub-issue: Account status incorrect

From XXXX until XX/XX/XXXX I was in forbearance for my mortgage due to COVID. In XXXX I contacted Bank of Oklahoma to exit my mortgage and begin making my normal monthly payments as well as to work out a repayment plan. We came to an agreement and around XX/XX/XXXX I received the letter outlining my repayment plan amounts/terms. A couple days after I scheduled my payment to be made and it was received and credited to my account on XXXX. On XXXX, I received multiple notifications from all three credit bureaus that my mortgage was being reported delinquent and being sent to collections. Around XXXX on XXXX I called and after talking with the representative she sent an email to the credit reporting department. She said she would contact me when she heard back from them. Considering this mistake dropped my credit scores with all three credit bureaus by 67 points and it was a significant drop and could affect my finances i.e. credit cards and I'm in the process of buying a house I need this fixed ASAP. Due to the urgent nature of this, I contacted Bank of Oklahoma again towards the end of the day on XXXX to get a status update. I was told we need to give them 24 hours, which is one work day and almost at that already anyways. When I asked for a supervisor I was denied. I re-confirmed and was told I could NOT speak to a supervisor. I need this false delinquency to be corrected on my credit report on XX/XX/XXXX so it has no affect on my finances, rates, and home purchase. I'm not delinquent. I've followed all the agreements and terms that have been jointly agreed on and have not been told any of these would lead to a delinquency being reported on my credit reports. I have 20 years of credit history with not a single delinquency on them until now and this isn't even correct. It needs to be fixed ASAP XX/XX/XXXX to reduce financial affects.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am writing to your agency in hopes you can help me with some charges on my  Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate.  Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were :   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I might of forgot some names.
Complaint sub-issue: Attempted to collect wrong amount

We have received another scam letter f rom Hunter Warfield, claiming t hey are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter for Bankruptcy case number XXXX months ago of this item is inaccurate and has not been properly investigated. This is my second or third time asking XXXX, and Equifax to show proof of how they have verified this account, and they have yet to provide proof and I feel like I'm being taken advantage of. They only say " verified '' which isn't sufficient when I clearly asked for proof. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021, XXXX XXXX sent documentation stating that they removed bankruptcy case XXXX from their report. After that, I sent a dispute to XXXX and Equifax stating that XXXX XXXX has removed this account. XXXX XXXX is the company they report to, to verify bankruptcies. If XXXX XXXX has removed this account, XXXX and Equifax are lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.
Complaint sub-issue: Problem during payment process

I opened a Citibank XXXX ( zero-interest for transfers for 15 months ) credit card three months ago. Citibank XXXX has contacted me each month claiming that the banking information I have given them is incorrect and that the payment was rejected by my bank. I have made three attempts to correct the problem, each time being assured that the information had been corrected. I then get emails and harassing phone calls ( 7-8 a day ) saying that my account payment is overdue and that my automatic payment was rejected by my bank. I have called my bank each time and have been assured that no attempt has ever been made to withdraw money from my bank account by Citibank XXXX.
Complaint sub-issue: Account status incorrect

I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.
Complaint sub-issue: Reporting company used your report improperly

Submitting complaint as I am potentially affected by the Equifax hack.
Complaint sub-issue: Information is not mine

I am a victim of Identity Theft and am trying to get these items off my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I had a storage acount and I called to make arrangements to close the account. There was to be an auction of my stuff and then a final bill sent to me. However I did not receive a final bill, instead I received a bill from a collection agency asking for the money in 30 days. In addition to the amount I owed they wanted {$170.00} collection fee. Talked to the storage company and we settled on paying only the orginal amount. Now it 's paid in full. However I go to check my credit score and now they reported it AFTER its been paid and the amount they reported is the amount they tried to extort from me. Now my score went down.
Complaint sub-issue: Debt was paid

I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.