Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with fees charged

I consolidated all my loans with FedLoan. It 's supposed to be a loan forgiveness program, but it 's obviously a scam. I 'm on an income based payment plan, every year I have to fill out a form stating my income the previous year. They have raised my rates continuously every year since I signed on with them. I ca n't afford the constant increases, and have appealed to them, but they continue to raise the payments. They go by your gross income, which is not truly reflective of the pay you take home. They say that it does n't matter than your gross income is n't your take home pay, or that you may have other bills. I have decided to get out of the Fedloan forgiveness program, as it is obviously a gimmick to make you pay as much as possible before they actually forgive the loan in 10 years. I think they should not be allowed to use your income before deductions to determine what rate you can afford to pay back. To anyone thinking of consolidating their loans under Fedloan, I would discourage them from doing so. The XXXX '' Program is a fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

LEXISNEXIS XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX  XXXX XXXX XXXX XXXX, TEXAS XXXX AXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX LexisNexis has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of LEXISNEXIS that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including LEXISNEXIS could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves LEXISNEXIS never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
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Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/XXXX .
Complaint sub-issue: Deposits and withdrawals

They require an email request to withdraw funds, since they deleted my linked account. I have made the request numerous times in the last 9 months. I am told the check is in the mail every few months, but mostly they ignore the emails or tell me I have contacted the wrong department even though I am doing what the website says to do. 

Even though they say the check has been sent the money shows in the account and I never receive anything. 

I email regularly agreeing to may what ever fees they want me to, I just want my money.
Complaint sub-issue: Account status

The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

l was in the process of applying for new employment and it was brought to my attention that there is some inaccurate Information reporting on my credit reporLl received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant the following accounts to be updated to the correct amount, date, status, open and closed date. last date of activity and time. 
If you can not complete this request. please delete the accounts Immediately. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account 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  The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : Fair Collections and Out opened XX/XX/2022 for {$530.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Information belongs to someone else

I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : 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: Debt was paid

USCB America account numbers XXXX, XXXX and XXXX collections have been paid and closed as of XX/XX/2020. I have new credit reports and USCB has failed to report that the accounts have been paid. Several attempts have been made to USCB and XXXX  credit bureau.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.
Complaint sub-issue: Transaction was not authorized

I contacted my debit card company and told them There has been some fraudulent activity on my account, some one took {$1100.00} dollars out of my account through atm cash withdrawals. & I have my physical card, & ive never authorize or give anyone my card. I notice the transactions on the XX/XX/XXXX when I went to check the balance on my account. I immediately locked my card and called the debit card company to report it. 

In the span of 2 days on XX/XX/XXXX and XX/XX/XXXX these Illegal unauthorized ATM withdrawals occurred XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX$62.00} XXXX. XXXX XXXX XXXX XXXX {$82.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$82.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX- {$82.00} XXXX. XXXX XXXXXXXX XXXX XXXX- {$80.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX XXXXXXXX {$82.00} Thats XXXX illegal unauthorized atm withdrawals on XX/XX/XXXX that i did not make in under a XXXX. 
The next day of illegal unauthorized ATM Withdrawals follows below XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$82.00} XXXX. XXXXXXXX XXXX XXXX {$100.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX XXXX$100.00} XXXXXXXX XXXX XXXX XXXX XXXX$100.00} Thats XXXX illegal unauthorized atm withdrawals made on XX/XX/XXXX that i did not make in less than XXXX. 

I confirm this with the representative that XXXX speaking to. She tells me that I should send them a written email about the whole situation itll kind of speed up the process. Their going to send me some paperwork to fill out. & that this investigation can take up to XXXX to complete. 

I send the email, fill out the paperwork they sent me and sent it back, which was a list of the unauthorized transactions made on my account they wanted me to sign and confirm. 

About a week later i received a letter from the company, real surprised but relieved that it came so quick. But to turn out that the letter said they were denying my claim due to the my pin being used to make the transactions. 

Cyber Criminals have so many different ways to steal your information now, so them denying my claim on that bases that because my pin was used is ridiculous. This isnt even how I use my card so how could this look like my regular pattern of card usage if there really was a investigation done? 

So I call the company back to escalate the situation. I speak to a supervisor who tells me that I need to send them another email for an appeal. Which is exactly what I do. I dont here anything for a while, periodically calling and asking whats going on, then XX/XX/XXXX I received a letter saying the exact same thing the first letter read, that their denying my appeal because my pin was used to make the transaction. 

And I know things like this happen all the time and if they are able to get away with this with me. If This company is doing this to me that means hundreds of people have gone through this same situation and they are not covering people that fall victim to fraud. as if they arent liable for anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone has taking the liberty to apply for credit using my identity. There are a lot of inquiries showing on my Equifax report. I did not apply for credit with any of these companies. I did not authorize anyone to view my credit. Please assist me in anyway possible in resolving this matter. I have enclose identity report with inquiries listed. I did not apply.
Complaint sub-issue: Their investigation did not fix an error on your report

Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX XXXX  XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?
Complaint sub-issue: Deposits and withdrawals

I'm trying to get a grant from XXXX XXXX and its not giving them my information to deposit it into my account.
Complaint sub-issue: Information belongs to someone else

These are not my accounts nor am I late due to Covid Rules on any of my student loans. Please reverse all late payments immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.
Complaint sub-issue: Can't use card to make purchases

Step 1 : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX I was making a purchase of airline ticket and the card transaction is blocked. 
Step 2 : XXXX XXXX XXXX Logged in to mobile app, saw alert and contacted Citicards no on the alert through mobile ph Step 3 : XXXXXXXX XXXX XXXX As I got an office work, I have my wife ( joint ac holder ) speak to customer service. She was told to wait for a review letter which may take 6 Working days. 
Step 4 : I intervened and asked for review. After 10 mins of discussion, the agent said she will call me back.

Step 5 : I didn't get any call for 30 mins and hence called back. After keeping on hold for 13 mins to speak to a representative and after having a rep on call, the rep hanged up the call as if she can not hear me. She also said a rep tried to call me back. When I asked, why there is no voice message, she took all the time to investigate keeping me on hold and finally hanging up the call as she can not hear me.

Step 6 : I called from my office nu and requested to talk to a supervisor. After being on wait for 17 mins before the call and for another 23 mins with the agent, the agent said supervisor is busy and will call me in 24-48 hrs.

So, I lost the deal, 3 hrs. of lost work time during office hrs. Still, they didn't resolve the issue, didn't say why they are keeping me on hold, did not heed to my requests not to keep me on holds and finally they didn't even got me a supervisor or any responsible person explain me what is going on. I have been customer of Citi for more than 15 years and this is the care they showed towards a long standing and good rated customer. THey didn't even want to explain why a supervisor can intervene and resolve the issue. They didn't even gave me a reason for all this mess. 
I need punitive damages from citi
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM FIRST PREMIER. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Complaint sub-issue: Debt was paid

My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax & XXXX is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to Equifax & XXXX to report anything on my consumer report.
Complaint sub-issue: Unable to open an account

usbankfocus will not allow me to activate my card and locked my account. they say my card was not registered by my employer but i checked my companies website and my information is there.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.
Complaint sub-issue: Called before 8am or after 9pm

Has called me several times before XXXX, they have called at XXXX or before from their east coast offices.
Complaint sub-issue: Denied loan

I applied for a private student loan recommended by XXXX University in order to attend their cyber security program. Edaid asked me to upload a picture of myself and 2 social media accounts which I did. I met the income requirements because I am a XXXX  whom makes XXXX $ a year at the time of the application and was only required to pay XXXX $ a month. Next the lender used my lowest credit score and based it off of old accounts from over 3-5 years ago which have all been closed or paid off. Furthermore when I checked my vintage score with XXXX  it was a XXXX, when I did the application it was a XXXX. They based their decision off of my XXXX  score but then I received an email which says its based of my XXXX  score. So I am getting mixed messages and feel as if I was denied the loan because of the XXXX of my skin because I qualified for the loan for XXXX . This caused me to not enroll in the program with XXXX University though I received a 90 % on my entry exam. My email is XXXX and XXXX. My phone number is XXXX. 
I emailed you earlier and you began an investigation but i lost my old information ( XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days
Complaint sub-issue: Information is not mine

I just discovered that I 've evidently slept walk through a buying a car and mortgaging a house. I rent and my car is 15 years old. How the XXXX do I fix this?