Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

During peak Covid in XX/XX/2020I was trapped out of the country ( XX/XX/2020 to XX/XX/2020 ) in the XXXX XXXX and received a phone call about a payment. I explained my situation being out of country and not able to return and I needed assistance with very minimum income coming in. They replied saying that i could have 90 days to make a payment in which they asked if i would accept this but would still be charged interest. I accepted. Once i made my way back to the USA, i received a notice from my credit reporting company that i had been flagged for a late payment for XX/XX/2020.
Complaint sub-issue: Problem during payment process

Citibank has been horrible. I have been trying to pay my bill every month on time. I was told I could always pay the day of and it would apply immediately and my statement would reflect that. Lately they have been holing over my payment and not processing it the same day. When I called, they said it's their policy to not apply payments the day of, even though it was deducted from my bank account when we spoke on the phone and my account was immediately lowered. I would ask what time they reported statements and was told XXXX XXXX. The first month or two I didn't have an issue, but now if I pay the day of, they don't record it and last night they tried adding an interest fee I've never had. I got this card to help build my credit and I don't appreciate them not reflecting my payments in my statement. They also aren't reporting them to the credit card companies so that aggravates me. Even when I pay my bill, I get emails every few days or more saying I am over my limit or I need to make a payment. The wrong balance is usually sent to my email. I have learned to ignore them now, and I'm going to start paying a day early but not reflecting my payments on the day my money is withdrawn and my statement is credited is fraudulent. They literally go back and remove my payment and apply it to the next day. So wrong. My last two months are an example. I paid the day of my statement closing. They took out my money, told me my balance would adjust automatically and even told me my new balance after payment. My account reflected the lower balance after a payment when I would refresh the website but then when I would wake up the next morning, my payment was no longer applied to the day before and my account showed a higher balance. At midnight they must reverse it and re-apply so it shows a higher debt balance?
Complaint sub-issue: Reporting company used your report improperly

I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. Equifax, XXXX, and XXXX are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.
Complaint sub-issue: Transaction was not authorized

MY CHECKING ACCOUNT today, XX/XX/2018, # XXXX, had a small ACH deposit. This was the ONLY account activity during the last two ( 2 ) days. however, the online screen reflected {$0.00} available balnce -- the availabel balance should have effectively been {$1000.00}. 

in telehone conversations with PNC Bank ( including XXXX XXXX, Supersivor ), NOYHING is being rectified -- he pointedly said there is some type of unexplained Hold on the account and will NOT remove it. i AM STILL " ON HOLD '' ON THE TELPHONE WITH HIM VERY UNACCEPTABLE AND ILLEGAL BEHAVIOR!!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with XXXX.
Complaint sub-issue: Transaction was not authorized

I sold a phone on XX/XX/XXXX and used cash app to receive the money. On XX/XX/XXXX this person requested a fraudulent refund and they took the money out of my bank account. Ive contacted cash app multiple times and havent received a response on this matter. Ive filed a police report and fraud charges through my bank account.
Complaint sub-issue: Information belongs to someone else

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital Systems has placed a derogatory remark on my credit report. They are attempting to collect for XXXX XXXX XXXX. Alleged debt amount is {$220.00} I have no knowledge of this account and any other account from XXXX XXXX. Just in the past month XXXX XXXX has confirmed that they do not have any accounts on file bearing my name. This can be verified if Jefferson Capital wants to contact the North Carolina Department of Justice Attorney Generals Office, refer to case # XXXX They can also contact XXXX XXXX personally @ XXXX ext. # XXXX ask for XXXX XXXX. 

Also, I never received a notice from this company written or otherwise that they were attempting to collect on this debt. Rather they placed a negative negative remark on my report without offering the opportunity to dispute and or request validation of this alleged debt, which is my right pursuant to the Fair Credit Reporting Act. This is a violation of my rights and a violation of the Federal Law
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.
Complaint sub-issue: Information belongs to someone else

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.
Complaint sub-issue: Indicated committed crime not paying

After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I AM A VICTIM OF FRAUD. I HAVE A 90 DAY FRAUD ALERT ON MY CREDIT FILE. I HAVE INFORMED EQUIFAX THAT THE FOLLOWING INQUIRY IS UNKNOWN AND UNAUTHORIZED WITHOUT RESOLUTION. I HAVE ATTEMPTED TO CONTACT THE COMPANY WITHOUT RESOLVE VIA CERTIFIED MAIL ON 2 INSTANCES. EQUIFAX HAS NOT VERIFIED THIS INFORMATION IS CORRECT, YET IT CONTINUES TO BE INCLUDED IN MY FILE. INQUIRY ON XX/XX/17 FROM XXXX XXXX XXXX. I ASK THAT YOU REMOVE THIS UNAUTHORIZED INQUIRY FROM MY CREDIT REPORT WITH YOUR BUREAU, AS I DO NOT BELIEVE THERE IS ANY PERMISSIBLE PURPOSE PER THE FCRA WITH THIS UNKNOWN BUSINESS ENTITY.
Complaint sub-issue: Problem with fees

I have had this CITI Bank for 5 years with no past due payments. Last month I got a call that I was past due. I advised that I had not received a bill and found out they were now using electronic billing which I do not use. I advised to send me a paper bill and I would pay it. I received a bill and paid the amount due {$320.00} but not the late fees and penalties. I have called twice refusing the penalties. CITI advises there is nothing they can do but send it to collection. I suggested it go to arbitration but they declined. 
At this point they want {$72.00} to stop the harassment which I refuse. 
Any help would be appreciated.
Complaint sub-issue: Trouble with how payments are being handled

In XXXX, I returned to school to get a XXXX XXXX and my undergraduate loans were placed in in-school deferment. I was employed by the federal government and pursuing Public Service Loan Forgiveness. I remained on the in-school deferment until I completed my program in XX/XX/XXXX. 

The new waiver does not give credit for in-school deferments towards the XXXX payments requirements. I feel like we should be given the option to take those student loans out of deferment and make back-payments ( for the same amount we paid back then ) to count towards the XXXX payments for PSLF.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX & XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Complaint sub-issue: Debt is not mine

XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
Complaint sub-issue: Debt is not yours

Check number XXXX was stolen from my mailbox from an unidentified person and subsequently cashed at an undisclosed XXXX on XX/XX/2021. I became aware of this on XX/XX/2021 and reported the fraud to my bank on XX/XX/2021. My bank investigated the fraud and returned my money an issue to stop payment on the fraudulent check. XXXX then sent my information to TRS services to collect a debt of {$470.00}. I contacted the debt collector to inquire about the voicemail left and was told I needed to file a fraudulent complaintWith documents from the bank in order to have this removed from collections.
Complaint sub-issue: Debt was paid

Hospital was given my insurance, never billed them. 

Sold debt to NAR and I have given them the policy info and they refuse to bill it or remove it from my reports.
Complaint sub-issue: Company closed your account

Discover card sent a demand letter for me to use my credit card or they would close my account. I had no need to use this card before the time period demanded by Discover, so they forcibly closed my account while submitting this disparaging process to the credit reporting bureaus XXXX, XXXX, and XXXX where they reacted by penalizing me by deducting XXXX points from my credit score. When I called them to dispute this process they simply sent me a form letter supporting their purposeful retaliatory process. I believe they know they have the potential to destroy an individual 's credit history and they use this as a negotiable factor to demand use of their credit card which should be considered a criminal act. The attached file shows my credit score before Discover disparaged my score by XXXX points.
Complaint sub-issue: Information belongs to someone else

Re : Identity Theft Notification 1.Identity Theft. 
XXXX  Account XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

I am a victim of identity theft and have sent a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity ( in XXXX and XXXX ) and in addition, XXXXXXXX XXXX  mailed me an identity theft form which I filled out and mail back to them, plus proof of my current address. 

I also sent a copy of the identity theft report to along with my statement to XXXX 's all the credit reporting agencies- XXXX XXXX XXXX have deleted this account from my report but Equifax  has continued to ignore my request and this fraudulent is still reporting on my Equifax  report. 

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Kind regards, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Complaint sub-issue: Don't agree with fees charged

I signed up for a student loan in XXXX for XXXX. As soon as I got into college they started incurring interest on a daily basis. My loan went from XXXX to XXXX in the matter of two years. I started paying it down and I got it to XXXX again. I was at XXXX XXXX XXXX XXXX XXXX MI. My interest rate is 6.69 % compounding daily.
Complaint sub-issue: Deposits and withdrawals

The company allowed me to deposit money into an account after verification using my driver 's license. Once my money cleared, they removed my verification status and would not let me withdrawal any funds I had deposited into the account. I tried several times times to upload a picture of my license to meet the verification criteria, but realized that they would not accept any picture of my driver 's license now that they have my money. They refuse to give me access to my funds, will not close my account, and refuse to refund the money I deposited into the account in their platform.
Complaint sub-issue: Received bad information about your loan

I am graduating from the master 's program in XX/XX/2021 and moving out of state. In conjunction, I am looking to purchase a home. In order for me to apply for a home loan, I have to provide a minimum payment amount for them to run XXXX. I contacted XXXX multiple times to figure out the best way to go about figuring out the minimum payment amount to provide my loan officer. I tried a total of three : XXXX, XXXX, and XXXX of 2021. Each time I was provided with a different answer. Answer given in XXXX, they stated that I would not be able to know approximately how much my payments would be and then I needed to wait until XX/XX/2021 for your company to figure it out. XXXX rep stated they would need to wait until my school filed paperwork stating I graduated in order to figure out how I would be required to repay. Then today, XX/XX/2021, XXXX XXXX number XXXX referred me to another outside website to figure it out. 

Your reps are all seemed undertrained and have no idea what they are doing. They also do not answer questions. If you don't know, then state that you don't know. Perhaps as a collection agency charged with collecting student loan balances from millions of borrowers, shouldn't your employees know the answers to these questions? I am pretty sure, I am not the only one you had questions like this nor requests of your company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXX account 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: Collected or attempted to collect exempt funds

On XX/XX/XXXX, I received a Notice from the US Department of Treasury that a debt collector has filed an action to garnish my monthly Social Security payments ( {$500.00} monthly ) for debts they say that I owe. I attempted to contact the firm doing this, shown on the Notice as Educational Credit Management Corp., of XXXX XXXX, MN. Calling them, a recorded message directed me to another firm, a collection agency called Premier Credit, of XXXX, IN. Calling them ( XX/XX/XXXX ), I went from a XXXX, to an XXXX, to an XXXX, to a XXXX. XXXX began by telling me my debt originated with XXXX XXXX ( a notoriously bad acting firm ) & totaled {$220000.00}. I gasped at the amount & then found out that it was an education loan. I DID take out Parent Plus loans years ago to allow my XXXX sons to get through college. But I dont recall any of them being that high. 
I explained to XXXX that my XXXX sons DID go through college on a number of my Parent Plus loans originated by their XXXX colleges & funded by a number of banks & financial institutions. However, NEITHER of them are working now, & one lives at home with me where I support him. One is a Special Needs child with related medical bills not covered by insurance. I furthermore told him that my finances are beyond tight ; they are dire. Garnishing my Social Security would be disastrous ( I am XXXX years old, & also looking for work, but as many might understand, it is difficult to find employment or income at that age ), as savings are XXXX, & I only get a small pension from past employment. 
XXXX effectively ignored this, & said the law allows them to collect money for XXXX by garnishing Social Security payments. He then tried to get me to consolidate these XXXX XXXX loans with other education-indebtedness on the XXXX system. The latter includes loans from other lenders that I could not identify. I noted that the subject loan, this XXXX XXXX loan, was shown there at {$170000.00}, not {$220000.00}, which he tried to explain as beingfees & costs. I had some terrible experiences in trying to repay a number of these other loans in XXXX, those originating parties being US Department of Education & XXXX & others. The US DofE did garnish my Social Security in XXXX, causing disastrous hardships to me, including near bankruptcy & loss of home. They then abruptly stopped ( XXXX, I believe ), & even REFUNDED a months garnishment. 
All of this had no impact on XXXX, as he returned to the threat that they ( Premier ) can garnish & hes powerless to stop this. He said it will start with the XXXX SS payment. 

Thank you, CFPB, for reading this far. I never thought Id be confronted with these dire & disastrous actions again. But here they are, & initiated by one of the truly villainous repeat offenders of financial-service mischief & wrongdoing, the rich, huge monster called XXXX XXXX & their collection agents.
Complaint sub-issue: Reporting company used your report improperly

on or about XX/XX/22 I disputed an inquiry from a company called " XXXX XXXX  '' ( confirmation # XXXX & XXXX ) I have not authorized this company nor do I no who they are nor did I give permission to obtain my report! 
Within less that 24 hours Equifax came back with results that Inquiries are a " Matter of Fact ''. with no further information. 
On or about XX/XX/22 AND XX/XX/22 certified letters were sent to Equifax, pursuant Federal Law, requesting who verified this account, method of contact and all relative pertaining information be sent proving this was a legitimate inquiry, Equifax has not responded. 

This information has been sent to my attorneys at XXXX and XXXX XXXX ( for reveiw for possible Federal Law violations ). 

I suggest ALL parties govern theirselvs as I move forward with these findings