Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

Logging into my account this evening, I once again noticed a retroactive forbearance on loan sequences 1 and 2. I called XXXX XXXX on XX/XX/19 at XXXX EDT and spoke with employee ID XXXX. Employee XXXX told me that I previously requested that be fixed in XXXX and XXXX complied but decided to re-add the retroactive forbearance. The representative was unsure why that occurred and noted that someone at XXXX requested it be removed once again. I am absolutely baffled with what is occurring with my account and want to be sure that all payments made on loan sequences 1 and 2 can count under PSLF. This issue was previously fixed in response to CFPB complaint XXXX-XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  XXXX account # XXXX, XXXX XXXX  Account # XXXX, Bank XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.
Complaint sub-issue: Their investigation did not fix an error on your report

THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX  ACCOUNT REPORTING UNDER EQUIFAX, OPENED IN THE YEAR OF 2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.
Complaint sub-issue: Debt is not yours

I was sent a letter from XXXX stating that there is a debt from XXXX XXXX from someone else 's XXXX account paid on a bank account that is not mine. I have provided the information for whos debt it is and I have given them her drivers license number and her address yet I am still getting the correspondence. I even attached a letter from XXXX stating that the purchase was not done from me and on someone else 's account. 
I was told I can file a police report and label it as Identity Theft but there is no identity theft it was not my card used it was not my bank account used it was not my XXXX account used. I have spoke to XXXX a supervisor at XXXX multiple times. I have spoken to XXXX at XXXX. I have spoke to both XXXX and XXXX who are supervisors at Telecheck which have asked me to call XXXX and talk to their dispute department. When I called XXXX I was told by XXXX that the dispute department does not have phones and cant talk to anybody on the phone and everything has to be done in writing.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Complaint sub-issue: Information belongs to someone else

I have unknown collections on my credit report which are not mine..And wrong address
Complaint sub-issue: Sued you without properly notifying you of lawsuit

RAUSCH STRUM LLP on behalf of XXXX XXXX has filed a lawsuit with XXXX XXXX Justice of The Peace. Without properly communicating with me. 

I sent a letter in response Denying the debt owed XX/XX/XXXX and the company sent a response XX/XX/XXXX. XX/XX/XXXX the firm filed a lawsuit without notifying me and before my legal 30 days to respond. 

XXXX XXXX was notified during the pandemic of my financial situation. No relief was offered after several attempts telling them I was unemployed. No payment reduction or any payment arrangements offered. 
This firm has a history with filing lawsuit illegal. 
All my calls have went unanswered. 
Please look into this firm past and XXXX  REVIEWS.
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $
Complaint sub-issue: Debt is not yours

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

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
Complaint sub-issue: Didn't receive advertised or promotional terms

today XX/XX/20 I've wasted over 5 hours ( 2 on initial call then another over 3 unable to reach them ) trying to open a " home depot '' card thru cit-credit ( I imagine part of citibank ) ... .they left me on hold over an hour after online-application required " MORE info '' ... then rep got on phone with me & took over another hour to inquire further. 
This all for a " {$25.00} credit '' on first purchase. 
After having to pay for not one but TWO texts, they said I was approved & read me the TEMP card number & security code from back of temp card.

I read it back to this XXXX girl TWICE since she got nothing straight first time. 
GOT email stating I was approved & to electronically SIGN for it to use right away. STAYED on phone with her, she said she " saw it all going thru & active '' so I could immediately buy. 

Well NO, that was an entire lie.There is NOT only no {$25.00} credit offer TO BE honored but also card does NOT work. 

I've called back stated number XXXX for " if I have problems '' and have NOW BEEN ON HOLD OVER

3 HOURS. YES, 3 HOURS. still ON Hold & now ( 3hr. 15 min
utes ) having wasted over SIX hours of my day, am hanging up & want them to PAY for fraud & MY time. Also a credit inquiry that, as you know, impacts all our score negatively. 
please STOP these criminals right away & I will NEVER step into a HOME DEPOT IN MY life except to let others know my HORRID experience. 

please HELP stop this fraud. PLEASE!!!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), ( Original Creditor : XXXX XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Account information incorrect

The credit reporting company has stated that my account for XXXX XXXX XXXX  XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX was found guility for predatory lending and collection. These accounts are to be removed and discharged per the lawsuit. XXXX still appears on my credit.
Complaint sub-issue: Keep getting calls about your loan

In XX/XX/XXXX, XX/XX/XXXX, they continue to contact my references listed on my loan who have no bearing on paying this loan. They will not lower my payment, they change every other day on the overdue days. They mis report payments. 
Their interest rates constantly change and not within the market rates.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022 I sent by certified mail, a notarized affidavit to CITIBANK ( Citi ), requesting a verification of debt. The tracking number is XXXX as of XX/XX/2022 this tracking number shows still in transit and the last date of movement per USPS tracking was XX/XX/2022 and displays will arrive late ( Screenshot will be provided below ). Even though it appears that this certified mail is still in transit, somehow I receive a response from CITIBANK ( Citi ) dated XX/XX/2022. This is extremely odd since I requested a return receipt and there is no record of anyone signing for this correspondence. In this letter dated XX/XX/2022, my verification request is completely ignored ; nothing I requested is provided and the letter is not signed, but a typed name ( possibly computer generated ) is provided as XXXX XXXX-Vice President-Citibank, N.A. I don't know what kind of possibly fraudulent activity is involved in order to receive a correspondence and not sign for it, so that there is no record of anyone signing for it. I paid for a return receipt and have been bilked out of this due to what appears to be dubious activity on the of CITIBANK ( Citi ) representatives. On a separate and possibly unrelated issue because it may be spam, I have also received strange spam text messages in the past few months that claim to be from CITIBANK ( Citi ) about suspicious activity, verify your identity, withholding card services etc ... ( will provide screenshots below ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On the XXXX of XX/XX/2019, I received an email stating that there were changes made to my credit score. Once I looked online I saw that my credit score had dropped upon investigating I saw that there was a hard inquiry name CBNA, I looked online to see what CBNA was and it said that it stands for Citi Bank Of North America. I have not applied for any credit cards so I don't understand why this happened.
Complaint sub-issue: Account status incorrect

XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.
Complaint sub-issue: Account status incorrect

I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft and as a result fraudulent inquiries and charges have been made on my credit card accounts and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Funds not received from closed account

I opened a Citi priority checking account on XX/XX/XXXX. And I transfer {$10000.00} from XXXX XXXX  to this Citi checking account. Then my citi checking account was closed on XX/XX/XXXX. 

I submit the complaint through CFPB, and the Citi respond me on XX/XX/XXXX said they will issue me an official check to refund me. But on XX/XX/XXXX, they send me another letter said that we can not verify the funds in the account. They asked me to contact the sending institution and have them debit the account via an Automated Clearing House ( ACH ) transaction. 

I asked the XXXX XXXX, they said the transaction is already finished. They can't do anything about it. I just want Citi to give my money back.
Complaint sub-issue: Problem with customer service

This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -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: Don't agree with the fees charged

Entered into a rehabilitation loan repayment program about 11 months ago and was told that First, the interest would be at XXXX balance owed when completing the program. I have looked into the law regarding what governs this under 34 CFR 662.405 section 4, Vi, Paragraph B, of which it clearly states that they can not charge more than 16 % total collection costs to be added to the unpaid principal of the loan when the loan is sold to an eligible lender or assigned to the Secretary, which may not exceed 16 % of the unpaid principal and accrued interest on the loan at the time of the sale or assignment. The amounts shown would indicate that this would be more than 16 % and I was not notified within the 45 days of this assignment that it also clearly states in the CFR. I had brought this to the attention of the interest charges were way to much and I am asking that they recast the discrepancy that I had originally requested before transfer to a servicer.
Complaint sub-issue: Didn't receive enough information to verify debt

I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made.

So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report.

Yes needs to be reported to XXXX XXXX  billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did.

Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than.

XXXX XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Complaint sub-issue: Debt is not yours

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my credit file. see list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate this account. in pursuant to the FCRA section 6099 ( A ) ( B ) ( C ) I would like the name, email address, the addressed telephone number of the person who furnished and verified this derogatory information with transition. further I am requesting verification the amounts of any and all payments that led to this alleged debt being placed on my transunion consumer profile. al information pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, tx XXXX. I am disputingand requesting information on the following accounts. account name XXXX XXXX. account name enhanced recovery XXXX XXXX. account name XXXX XXXX XXXX. failure to properly investigate the accounts listed above will result in a " non verification '' which requires that the inaccurate information be immediately removed from my credit file. if any items return as verified please provide all records in regard to the FCRA section 609. I also  understand that the Fair Credit Reporting Act -specifically 15 USC section 1681i ( D ) AND 1681 J- requires that I receive both written notification of the appropriate corrections and updated credit report at no charge. thank you for your attention to this matter. XXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

I need help with PNC, I called to ask for the fees to be removed. I was asking for them to remove 70 % of the fees, and I would pay the rest. I don't want to be owing to the bank, they closed my last account and this is the only account I have left. The fees are way too high.
Complaint sub-issue: Didn't receive notice of right to dispute

I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT
Complaint sub-issue: Account terms

Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.