Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I KEEP GETTING UNWANTED CALLS FROM THIS XXXX XXXX DESPITE THE FACT I'VE SENT THEM A C AND D LETTER BUT THEY CONTINUE TO CALL ME THIS IS DISTURBING AND I WANT THE CALLS TO STOP IMMEDIATELY. I WANT NO FURTHER COMMUNICATION FROM THIS XXXX XXXX PERIOD.
Complaint sub-issue: Information belongs to someone else

I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX credit card a few weeks ago and I was not approved instantly and today XXXX/XXXX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Debt is not yours

This company reported a bunch of rent owed after I vacated the unit due to losing my job during XXXX in XXXX of XXXX and needing to relocate. They were notified of my vacancy and I made several attempts to provide a sublet individual to take my place in which they would not qualify those individuals based on credit. ( Its a college town ) XXXXXXXX XXXX. I moved to XXXX the same month of XX/XX/XXXX and began working a new job and renting from another apartment complex in XXXX. Not until XXXX XXXX this apartment complex in XXXX XXXX XXXX reported this debt to my credit out of nowhere.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.
Complaint sub-issue: Personal information incorrect

Since XXXX of this year, I've been sending update letters to Equifax, XXXX   and XXXX  to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX
Complaint sub-issue: Received bad information about your loan

I have been waiting 4 months for this company Fedloan Servicing to process my IBR application. I faxed my original application on X/XX/17. Approximately 1 month later I received a letter in the mail stating that my application was not processed because it was incomplete. I called the customer service line and asked what was missing from the application and they stated that page 3 was missing from the application. On X/X/17 I faxed page 3 to Fedloan servicing. I called the customer service line again and asked if they received the fax. They said yes and stated they would begin processing my application. Yesterday, I received a bill in the mail in the amount of XXXX which is outrageous. I called Fedloan Servicing again and inquired about the status of my IBR application. The customer service representative informed me that my application had not been processed because I did not fax all the documents together in one fax. Since I faxed page 3 in a separate fax they would not process my application. This is ridiculous. Over the past 4 months not a single employee of this company informed me that all documents had to be included in 1 fax. Different employees will give you different stories when you call them on the phone. Multiple employees told me it was perfectly good to submit the missing 3rd page by itself. I now have another employee telling me that all documents must be faxed together. Why is it so hard to take the page 3 fax and add it to the other pages and complete my application?
Complaint sub-issue: Reporting company used your report improperly

Well i file a complaint with ypu all and they sent me a letter asking me that i need to send my id and ssn card. Talking about they cant find me in the system and they said what accounts would i like to DISPUTE i dont feel comfortable sending my information to them equifax i been having problems with them ... I have XXXX XXXX XXXX XXXX and. And going thur XXXX 3 times a week for 4 hours a day and i just dont be having the patients in dealing with people that u dont UNDERSTAND and u telling them the truth about you and i file a complaint against them now they saying they dont see me in the system wow but i can log in on XXXX XXXX and see my accounts
Complaint sub-issue: Account status incorrect

I checked my credit report to see an XXXX XXXX XXXX reporting inaccurately for XXXX XXXX. My XXXX XXXX account is current and open, not delinquent and in collections.
Complaint sub-issue: Received bad information about your loan

Occurred in XX/XX/2017. Instructed that in order to participate in XXXX Public Service Loan Forgiveness, I had to consolidate my loans. Discussed with XXXX XXXX whom verified this to be true. Consolidated loan per their recommendation. Discovered that not only was that not true, but also all the payments I had made to that point no longer counted and could not be retrospectively added back on. Discussed at length with XXXX. They reported what the give is only advice and they cant be held liable for the outcomes.
Complaint sub-issue: Need information about your loan balance or loan terms

I have student loans through fed loans. They have miscalculated how many payments count towards federal student loan forgiveness and I have waited 18 months for this to be updated and they continue to refuse to update my account to correctly reflect my number of payments. 

All three of my loans should have the same number of payments and payoff date and they continue to not update for over a year despite phone calls and emails.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello I'm reaching out in regards to disputes I filed with CITI for a credit card I have. The first dispute is XXXX in the amount of {$2100.00} on XX/XX/2022 with XXXX. The day of our scheduled flights XXXX XXXX XXXX cancelled our flight stating they will refund the full amount of the flight as well as cover the reimbursement for the new last minute flight we had to book that day with XXXX  of {$3700.00} for a total of {$5900.00}. XXXX  only refunded a partial amount not honoring what they told all customers of that flight, I went back and fourth with them numerous times for them to tell me they won't be responding to my inquiry on the reimbursement for the last minute XXXX flight I had to book so I was advised to dispute the original charge with CITI to get at least majority of my money back. I submitted evidence of all of this that CITI clearly didn't review and they denied my dispute which is outrageous. My second dispute was with XXXX for the date XX/XX/2022 in the amount of {$880.00}. We paid in advance for the hotel in Chicago for my sister 's birthday trip and when we went to the hotel the room was filthy, the manager at the reception desk confirmed they weren't cleaning their rooms before turnover " due to cleaning staff being sent home. '' Ridiculous especially during a pandemic! He refused to check us out telling us to call XXXX for our refund this I got all on video, along with the pictures of the dirty room, and screenshots of me reaching out to XXXX and them never responding like they said they would. Still can't get a hold of them this day even by phone. I submitted all of this videos of the interaction with the rude manager, photos of the dirty room, receipts for the new twice expensive hotel we had to book last minute for the same exact dates and CITI didn't even review my evidence just took XXXX word for it when they wouldn't even respond to me!! CITI never looks out in their customers best interest even with solid evidence for both disputes! I tried calling it to dispute the ridiculous final decisions made to get representatives that don't understand any english so I waste over 40 minutes just trying to get to the dispute department ( Which they never transferred me to ). The XXXX  dispute # is XXXX.
Complaint sub-issue: Having problems with customer service

I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.
Complaint sub-issue: Debt is not mine

PMAB , LLC failed to adequately Validate a collection that was placed on my credit report. 

In XX/XX/2016, PMAB , LLC placed a medical collection on all XXXX of my credit reports. On XX/XX/2016, I submitted, via certified mail, very specific requests to validate the stated collection. Their return correspondence dated XX/XX/2016, did not address the items requested for validation purposes. Therefore on XX/XX/2016, I submitted another letter to them, via certified mail, stating that they 've failed to validate the debt the as requested and compliance was still required. They responded again with only the same documentation as before. So on XX/XX/2016, I sent them an additional letter to request deletion of the collection account on the XXXX credit reports. I also submitted disputes with all XXXX credit reporting agencies. 

To date only PMAB , LLC only authorized deletion from XXXX and XXXX. The collection account, which was not validated, is still reporting on my XXXX credit report. On XX/XX/2016 I submitted to PMAB , LLC my final correspondence via certified mail for immediate deletion of the collection account that is not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Complaint sub-issue: Debt was result of identity theft

Please remove these accounts. I have been disputing them for a while. They do not belong to me.
Complaint sub-issue: Deposits and withdrawals

In XX/XX/XXXX of this year a blocked ( needing an order from the court to withdraw monies ) savings account was opened at the XXXX XXXX XXXX XXXX XXXX Rabo Bank - now Mechanics Bank. A large sum was deposited ( proceeds from the sale of a residence ). On XX/XX/XXXX I contacted XXXX XXXX ( she was the person involved when the account was opened ) notifying her that a settlement had been completed and that the entire account that was opened was awarded to me and that I wanted to withdraw the money to deposit it in my own bank. She stated that I needed to send her the settlement agreement in its entirety ( 24 pages ). I did so that same days to her email address. I made a few calls early the next week and left messages that were never returned. I was able to contacted XXXX Wednesday of that week ( XX/XX/XXXX ) and she informed me that she had forwarded the paperwork to " legal '' and that they would be issuing a check later that week. Nothing happened. I attempted to re-contact her on Tuesday the next week ( XX/XX/XXXX ) with no success, so I contacted the central call center. Was informed that the branch would be getting in contact with me by days end concerning this issue. No contact. Re-contacted call center the next day ( Wed ). Spoke to XXXX for close to 45 minutes. Was informed that 'XXXX XXXX at the branch had made the check and would mail it to me. I requested a tracking number by email. Was contacted by XXXX by phone with apology stating that it had been busy. No email with tracking number. Checked account status ( Thurs XX/XX/XXXX ). No withdrawal or check had been made. It has now been 2 full weeks since my withdrawal request was made! Contacted call center again. Spoke to Supervisor XXXX ( direct # XXXX ). He assured me that he would look into this personally. 6 hours later XXXX informed me that the check had been made and would be sent out that day along with a tracking number. 
My complaint is that I believe that there is a timeframe that the bank has to release funds. It is not 2 weeks! I felt that they were holding my money hostage and since I lived a 1000 miles away they could get away with it.
Complaint sub-issue: Account information incorrect

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( s ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX Payments, Inc.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Complaint sub-issue: Information belongs to someone else

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification from US Bankcorp office that an account was opened using her information without her consent. She received a letter stating the issue was resolved however a review of her XXXX credit still has the fraudulent inquiry listed which is a violation for FCRA. An official dispute of this inquiry was provided to US Bankcorp XX/XX/2018 however as of this date, no reply or update has been provided.
Complaint sub-issue: Their investigation did not fix an error on your report

1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} 2. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, Equifax, and XXXX on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, Equifax, and XXXX. I immediately went online and freeze my credit on the same day.
Complaint sub-issue: Right to dispute notice not received

I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I detected these hard inquiries on my credit report which are unauthorized and I do not have knowledge about. I reached out to all 3 credit bureaus to have them delete. Only XXXX did but XXXX and Equifax are still reporting inaccurate informations on my credit repor. 
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: Investigation took more than 30 days

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


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