Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

General Revenue Corporation XXXX left a message on our home phone voicemail stating that they are a collection agency for student loans for our son. Leaving a different telephone number XXXX to call them back with a identification number. My son called them back and they gave him a collection amount of {$8000.00} he owed on student loans. Which this amount is incorrect. They told him that to pay off right away the amount is {$6800.00} or the other option would be a down payment of {$1000.00} with monthly payments of {$200.00} a month.They also mailed a letter with a demand of payment that was suspicious. The method of payment was for a credit card or debit card only. We did some research on the internet about this company and their webpage was very suspicious. We checked the student aid website to confirm that Subsidized and Unsubsidized Direct Loans are protected by the Cares Act. Private loans like Perkins Loans and FFEL-Federal Family Education Loan are not protected by the Cares Act. Login into your federal student loan account and check the status first. Then he contacted federal student aid XXXX to check on his account to make sure that the same loan servicer that manages his account was still in effect. After that he called his Loan Servicer company which confirmed also that his student loan payments is still deferred under the Cares Act. That deferred status has been extended to XX/XX/2021 by the Cares Act, and his account has never been turned over to collection. Never give these people any personal information. Always check on your own student loans accounts yourself first by logging into your account. Then call federal student aid at XXXX for additional help and questions about your loan status. Do not call these people back. If there is a problem with your loan find out from federal student aid who your loan service company is and how to contact them first. Then follow their instruction. If your loan service company changes you will be notified in writing who the new company is. The new company will contact you in writing with all the contact information and explaining that they are your new loan servicer. Check your credit report, it will contain all your student loan accounts and the name of your loan servicer, address and telephone number.This telephone call is a student loan scam.
Complaint sub-issue: Investigation took more than 30 days

I sent a request to XXXX  to investigate and remove these in accurate items from my credit report on XX/XX/2021 and have yet to get a response from the and none of the items on my report have been removed either and these items are impacting my report negatively and are keeping me from moving forward in life at this point so I need them removed since the FCRA clearly states if any items can not be verified within 30 days they must be removed.
Complaint sub-issue: Debt is not yours

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Ive inquired numerous times In The month of XX/XX/2020 to increase my credit line due to how much I use it. I understand how the procedure is done through an AS ( Automated System XXXX Ive been told my credit was too new and I have too high of credit utilization this was back in XX/XX/XXXX of 2020. Ive never made a late payment Ive always been on time Ive never defaulted. The only derogatory remark I have when I call settle they tell me the account has been moved which negatively has been effecting my credit. As a collection agency they arent allowed to call me but they are required to mail me about the transfer of my collection debt which they havent making it hard to make a payment. I finally tracked them down but bc my debit card literally snapped in half I havent been able to pay them. This is just the start of my issues with how Ive been treated. XXXX XXXX I made a payment from my XXXX XXXX account and it was bounced back m. So I made a payment from my XXXX XXXX  account the same one I clicked the first time and Ive been waiting for the payment to clear mind you this is 8 days later. Ive had this incident happen before and Ive done the procedures to get the funds released immediately however when I called discover about this they told me they cant escalate the payment even though they have in the past. Ive filed multiple complaints with them and to no answer Ive called multiple times and they give me the run around Im done dealing with my credit on my own please protect me
Complaint sub-issue: Account information incorrect

I filed a dispute with credit bureau XXXX, XXXX, and XXXX XXXX on XX/XX/XXXX. Their investigation results were ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
This is false information on my credit report. Account name ; I C SYSTEM INC. The reported dates are completely inaccurate and not true. Also I pulled up a their state licensing, and they're not licensed in California. That is completely illegal according to California law ; XXXX XXXX XXXX ( XXXX, XXXX XXXX, Stats. XXXX ) California XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Chap XXXX. Stats. XXXX ) XXXX XXXX XXXX XXXX.
Complaint sub-issue: Bounced checks or returned payments

This company advertises overdraft protection and no overdraft fees returned an item that would cause the overdraft. When I requested that an item be paid the company refused even though I had a deposit in process in the account for the next business day. Very deceptive advertising practices.
Complaint sub-issue: Information belongs to someone else

Fraud / Identity Theft 4 Accounts opened fraudulently Confirmed that all accounts were opened and approved completely online/ not reviewed by an actual person XXXX XXXX ( Personal unsecured Loans ) # 1. {$15000.00} XXXX Opened on XX/XX/XXXX Payment made : {$430.00} XX/XX/XXXX # 2. {$12000.00} XXXX Opened on XXXX XXXX XXXX Payment made : {$360.00} XXXX XXXX XXXX - spoke to at XXXX XXXX XXXX XXXX XXXX XXXX spoke XXXX XXXX # 3. XXXX XXXX Opened on XX/XX/XXXX {$9000.00} ( Personal unsecured loan ) ** keep sending me emails to prove this loan is not mine requesting time sensitive requests otherwise threatening to legitimize the debt ** customer service unable to transfer me to fraud dept. via phone # 4. XXXX XXXX XXXX ; now XXXX XXXX out of XXXX XXXX, FL Opened XX/XX/XXXX Routing # XXXX Account # XXXX ** Used phone number ( XXXX XXXX ) & email address that is not mine XXXX - ended up on my credit reports XXXX Used old address to send bank statements XXXX XXXX XXXX, XXXX, FL XXXX Where I have not lived for 9+ yrs Used fraudulently obtained bank account to deposit loan funds, and transfer monies to other accounts held by perpetrator All personal loan companies have continued to re-report the illegitimate accounts to the credit bureaus Equifax XXXX XXXX XXXX Security freeze/fraud alert Conf # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I sent a letter to dispute items erroneously reported on my credit report. On XX/XX/2019 Equifax replied with an updated credit report stating that everything was verified! On XX/XX/2019 I sent another letter asking for Method of Verification, according to USPS this letter was received by Equifax on XX/XX/2019. According FCRA, CRA has 15 days to reply with Method of Verification. I hadnt received a response as of XX/XX/2019. I proceeded to send a follow up letter on XX/XX/2019 asking for verification once again. On XX/XX/2019 Equifax sent a response which was another copy of a credit report. The Method of Verification was not included. Today is XX/XX/2019 to date I havent received Method of Verification. Equifax continues to report misinformation on my credit report and this is causing a hardship!

Please promptly remove the items erroneously reported.
Complaint sub-issue: Information belongs to someone else

My credit score is very low due to identity theft. I am currently in financial ruin and get XXXX XXXX when faced with the reality that my character and credit has been smeared.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to Equifax XXXX  & XXXX  XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason Equifax and XXXX  says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But XXXX  and Equifax are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Please reconsider my credit limit which was {$8000.00} from my initial application on XX/XX/2021. I recently purchased a home with my husband and we both applied to XXXX XXXX. We applied separately he got approved for {$2000.00}. I got approved for {$8000.00}. I have since from the date of opening my account paid every last payment on time. No lateness. My account has been current and in good standing. We applied because as a homeowners it makes since to have an account for projects. We were contemplating on adding a sunroom to our new home. On XX/XX/XXXX I get a alert XXXX in the morning which stated I was nearing my credit limit. This alert was set by me to message me when I spend close to my limit. The alert alarmed me I thought fraudulent activity on my account because I knew I was using only XXXX percent of my credit limit my balance was {$38.00} so I called Citibank that day when they opened and the representative told me they do a yearly review and decreased my limit. I find this not to be true my mother has a {$10000.00} limit and my husband opened his account and his account was not reviewed or limit decreased as a lot of other people I have researched. The representative was very nasty and ignorant and quote you lucky they did not close your account. They took {$7500.00} away and left me with {$500.00}. The representative spoke to me like I was a criminal or as if I was not paying my bill. I DO NOT HAVE ONE blemish on my credit. I have no derogatory marks on my no collections no lateness ABSOLUTELY NONE. I established credit XXXX  years ago I always use to purchase with cash. So I decided to get some credit cards. I recently purchased a new home used my Wayfair card to purchase all new furniture for our home along with other cards I have. No other company decreased my limit and review my account without my permission and on top of that didnt even notify me. All my accounts on my credit report are current and no late payments. Since Covid I notice the credit bureau are only reporting when your usage go up but not when you pay your card balance down. Taking {$7500.00} from my credit report for no reason when my account was current and showing a balance of {$38.00} is not ethical and brought my score down. My balance is XXXX as of to date.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. 

I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. 

They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers.
Complaint sub-issue: Problem getting your free annual credit report

At XXXX, Equifax refuses to provide an online credit report and instead requires the individual to go through the US Mail to request a credit report. 
There's no technical reason for subjecting a person to this inconvenience in order to obtain their own information, as required by federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights.

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

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Need information about your loan balance or loan terms

On or around XX/XX/XXXX, I contacted FedLoan Servicing asking by what date I am required to complete income recertification to renew my PAYE repayment plan. I specifically used the word " required '' in an attempt to ask by when I am obligated to recertify my income to be able to remain on the PAYE plan without any repercussions. In a reply from XXXX from FedLoan Servicing on XX/XX/XXXX ( nearly a month later ), I was informed that " the best time to recertify is by XX/XX/XXXX. '' I find this to be an unsatisfactory answer because recertifying income is an obligation to remain in good standing on the PAYE IDR plan and the answer to my inquiry about a requirement should be an objective and definitive response. Instead, XXXX replied with what would be " best, '' which implies a degree of subjectivity. I was not seeking a subjective opinion on when to complete XXXX XXXX recertification, but rather fact on by when I am obligated to recertify income in order to remain on the plan. Additionally, as the obligation to recertify income happens on a specific date, I would like clarification on what that date is rather than being given an entire month. I find FedLoan 's response to be lacking clear and complete information. I do not feel like XXXX actually answered my question.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX  Credit Card was reported on to my credit profile on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am victim of identity theft because I didn't apply for this credit card and I don't own this credit card I have contacted the credit bureau and put a security feeze on my credit profile. I reported this as identity theft.
Complaint sub-issue: Can't get other flexible options for repaying your loan

HELLO, I HAVE TRIED NUMBEROUS TIME TO GET A FORBEARANCE OR DEFERRMENT ON BOTH MY STUDENT LOANS WITH AMERICAN EDUCATION SERVICES. RECENTLY, BECAUSE OF THE COVID19 VIRUS, PRESIDENT XXXX PUT A NEW EXECUTIVE ORDER THAT ALL STUDENT LOANS BE DEFERRED UNTIL THE NEW YEAR. I NOTICED THAT MY STUDENT LOANS WERE SHOWING AS DELINQUENT ON MY CREDIT REPORT AND WHEN I CALLED AES, I WAS TOLD THAT MY LOANS DID NOT COUNT AS PART OF PRESIDENT XXXX 'S EXECUTIVE ORDER, BECAUSE AT SOME POINT, MY LOANS WERE CONVERTED TO PRIVATE LOANS, AND THEY EXPLAINED THAT PRIVATE LOANS WERE NOT INCLUDED IN THE EXECUTIVE ORDER. I SENT MANY EMAILS TO THEM REQUESTING INFORMATION AS TO WHEN MY GOVERNMENT STAFFORD LOANS WENT PRIVATE AND THEY HAVE NEVER RETURNED MY REQUEST. TO DAY MY LOANS ARE STILL SHOWING DELINQUENT EVEN THOUGH I TRY TO PAY THEM {$100.00} A MONTH TO CATCH UP, BUT I SHOULD NOT HAVE TO BE PAYING THEM ANYTHING DUE TO THE EXECUTIVE ORDER.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person, am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

2. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

3. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXXXXXX  Service Dept. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take six months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), the XXXX XXXX XXXX ( XX/XX/XXXX ) , and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both the XXXX and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.
Complaint sub-issue: Account status incorrect

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Complaint sub-issue: Deposits and withdrawals

went to check my account and found out that citi bank released my funds without my knowledge or permission to a person I do not know on XXXX in the amounts of XXXX and XXXX all on XXXX to a women name XXXX XXXX XXXX have no idea who she is or how she got Citi Bank to give her my money, I have filed a complaint with them but was denied but I filed an appeal have not heard back as of XXXX