Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment.
Complaint sub-issue: Their investigation did not fix an error on your report

On my XXXX XXXX account I disputed 1 derogatory charge from a hospital on XX/XX/XXXX of this year with Equifax but instead of them disputing that 1 derogatory charge they messed up and disputed all 26 of my accounts that are in good standing and when I called to have this fixed because I dont want my accounts disputed or closed they said there's nothing they can do to fix it and on top of that it dropped my score by 10 points this needs to be fixed I worked very hard to get my credit cards and build my credit I'm honestly about to contact my attorney.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.
Complaint sub-issue: Problem using a debit or ATM card

I walked into a branch of Citi Bank XXXX XXXX XXXX XXXX XXXX, va. There was initially a misprint in my debit card. The teller denied me service due to the miss-print when it was clearly a mistake by them. She attempted to verify my account by the security word and pin, but I do not remember having a security word or receiving my pin in the mail. I attempted XXXX to ask to verify in other ways but they told me that my ID, XXXX and birth certificate could not be accepted. They were a bit passive on finding a resolution surpassed that and it felt as if they were profiling me ( only the teller ) by how quick and stand-offish the experience was. My account is know block for fraud during a time that I have to pay rent and bills.
Complaint sub-issue: Account information incorrect

Ive tried muptiple times disputing inaccurate and unverifiable accounts that Equifax continue to allow on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and or reported on my credit report.Any They have not verified the data that a company reports on a comsumer credit file which Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file is a violation of the FCRA
Complaint sub-issue: Debt was result of identity theft

Afin Collections Incorporated mailed a collections notice with its account number XXXX dated XXXX XX/XX/XXXX regarding a {$1100.00} debt from XXXX XXXX XXXX XXXX the original creditor, with account number XXXX. A collections specialist informed me the account was open from XX/XX/XXXX to XX/XX/XXXX and went to collections in XX/XX/XXXX. Afin Collections then reported the unpaid as collections to all credit reporting agencies in XX/XX/XXXX. 

In a XXXX XXXX telephone call I stated to the collections specialist someone had committed identity theft with my social security number, an old telephone number and billing address to open a fraudulent mobile account. I stated that I did make a police report about my stolen property which contained my personal information. I also stated it was highly probable someone from XXXX XXXX XXXX gained access to personal information from an old application for credit. 

Later that day, I made four attempts to rectify the situation by telephone between XXXXXXXX XXXX and XXXXXXXX XXXX with XXXX XXXX XXXX customer service on XXXX XX/XX/XXXX. Each time I identified myself and requested to speak with someone that stole my personal information to open a fraudulent account, the customer service agents disconnected the calls. This direct action indicated XXXX XXXX XXXX has no intention of resolving the identity theft that resulted in a fraudulent account. 

The key issues originate with XXXX XXXX XXXX whereby an unscrupulous employee gained access to my personal information and used it to open an account. The information included a former landline number and social security number from an old account application that XXXX XXXX XXXX had rejected. Though my credit did not suffice to open an account by my own merits, someone at XXXX XXXX XXXX used my personal information to get service and run up a bill. 

To add insult to injury, XXXX XXXX XXXX ignored the fact there are security restrictions on my credit file to prevent identity fraud and theft. However, XXXX XXXX XXXX decision makers believe their company is too big to fail.
Complaint sub-issue: Account information incorrect

Equifax and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. This account is also over ( 7 ) years old and should not be reporting at all. I have contacted XXXX XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on Equifax and XXXX Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Debt is not mine

Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.
Complaint sub-issue: Contacted your employer

Repeatedly contacted me and my employer about a debt that I incurred due to the hurricane cutting off my earning potential.
Complaint sub-issue: Information belongs to someone else

This is my 3rd attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2021, my husband and I were forced into illegal eviction. We were 15 days past due. Given the eviction moratorium, we would have more than enough time to make up for the late rent and therefore we challenge eviction, and the charges that we're processed. 

The debt in invalid as the landlord processed an illegal eviction and didnt work with us to process any of the federal assistance programs resulting from the pandemic assistance.
Complaint sub-issue: Investigation took more than 30 days

After several attempts to get this Situation resolved I am still having this reported to my credit report!! On XX/XX/2021 I submitted a complaint with cfpb about the account XXXX XXXX balance XXXX high credit balance XXXX and reported as an repossession, the information on my report is reporting inaccurate in several different ways on my Equifax report!! XXXX XXXX XXXX XXXX both seen the inaccuracies and removed them from my report as Ive disputed this issue with Equifax several times and no response or anything Ive also spoken with a Representative and they also stated they have all my correspondence and none sent back out on their end!!! At this point I am considering an lawsuit against Equifax for failure to comply with FCRA rules and regulations to verify or validate the disputed item on my credit report if the issue isnt resolved immediately i demand validation the original contract that represents the same thing that is being reported to my credit report that was used to verify the account for you all to still have it reported to my credit report!!!!
Complaint sub-issue: Reporting company used your report improperly

This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe XXXX XXXX XXXX XXXX XXXX and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've been disputing these dismissed bankruptcies that are being reported from Lexis Nexis to the bureaus with Lexis Nexis for well over a year and a half. The bankruptcies were dismissed and shouldn't even be reporting on my credit report and yet the company prides itself in reporting information that is legally not supposed to be reporting as it was dismissed and not discharged and yet even with documentations submitted towards this, the company still reports and validates this information on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and XXXX. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.
Complaint sub-issue: Account information incorrect

As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they 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 filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.
Complaint sub-issue: Funds not received from closed account

My checking account was put on hold around XX/XX/XXXX due to some sort of " suspected fraud ''. I had called us bank about it and after talking to a few bankers they said I had to talk to the electronic fraud person in charge of overseeing my account. After 3 days in a row of trying to contact this person, and leaving him a message, I called again and the banker I talked to said that he still wasn't in and that they would have somebody else look at my account. After being put on hold the person said that my account would be closed and I would receive a check in the mail in 5-7 business days. I asked when they were going to send it and they said right now. Fast forward to XX/XX/XXXX, after waiting for my check in the mail for 12 days I called again and they told me that they never closed my account. After waiting on the phone for like another 2 hours they finally said they would close my account and send me a check in the mail. The problem is it will now be at least 3 weeks total without having access to my money. All of my accounts have now acquired late fees due to the fact that they said they had already sent out my money.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received a letter from debt collector XXXX XXXX to inform me that they are servicing an account that is owned by XXXX XXXX XXXX XXXX, XXXX with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to XXXX XXXX via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that XXXX XXXX provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or XXXX XXXX XXXX. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by XXXX XXXX   XXXX.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to XXXX XXXX on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by XXXX XXXX for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I am very unhappy with the equifax service as i wanted to pull out my credit score to buy a house for the first time ever and i heard that equifax is the only reliable credit report that the mortgage people accept. I pulled out the report and my credit score came out to be low and then i observed that there is one more name resembling to my name on my account and i had her all bank and job and phone account under my report which is incorrect and because of which reason i was unable to buy the house i wanted just because the mortgage people wont proceed without the report. I called equifax and i told them what wrong is happening with my account and i told them what account were mine and which all were not and the representative noted it all. He told me it would take 10-15 days to implement the changes made. I waited for another 15 days and got my new report which had the same lady 's accounts as well and nothing was changed on my file. Instead they removed my credit card without even my consent. I again called today and wanted to sort out things but they said it will take another 15 days and wanted me to fill out a dozen forms and send some documents. I again received an alert on my file that my address got changed now which was incorrect because i never chnaged my address. how can someone else make changes to my account and if i need to get things straight and correct then i have to fill forms and wait for a period which totally is baseless and does not make any sense to me. Now someone else is operating my account as i should say that it is an identity theft and i am not being helped accurately. I am very annoyes and i wish there was some another company in competition with this company so that there is professionalism and accuracy maintained and so they will know if they dont provide accurate report then the company opposite them will. That is my personal opinion as equifax here is just wasting peoples time and doing nothing. I have wasted so much of time and missed the houses i wanted to buy just because these people have played with my identity and account. Its XX/XX/XXXX today and it has been a month now but still someone else is operating my account. I need an action against this please. I want all the accpiunt removed from my account which are not mine asap. I am also including the report and please confirm with me about my accounts.
Complaint sub-issue: Information is missing that should be on the report

I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX  XXXX  court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.
Complaint sub-issue: Problem accessing account

I need to connect my XXXX  with my PNC account