Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

My personal information was released due to the improper release of information from Equifax servers. That information included my name, Social Security number, birth date, addresses, drivers license number, and might include credit card numbers. I have requested Equifax put a fraud alert on my account.
Complaint sub-issue: Attempted to collect wrong amount

Debt was settled for lesser amount. Collection agency refused to remove debt from credit report after collecting and verbally agreeing on settlement. Debt company received settlement payment and refused to remove debt or list debt as settled.
Complaint sub-issue: Account status incorrect

Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.
Complaint sub-issue: Transaction was not authorized

XXXX 2021 that morning my savings account balance was a few dollars over $ XXXX. 
That same day there were two withdrawals for XXXX $ XXXX leaving my account short $ XXXX. 
Neither of those transactions was mine. 
In addition, a checking account with {$10.00} was closed. Again, this was not my doing. 

Yesterday I discovered this issue and spent 4 hours trying different phone numbers to report this fraud to CITI. I had 7 contacts and no one could tell me what was going on or even seemed to care.

I can't believe it took 4 hours and no one seemed to care that they and I had been robbed.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX  ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : 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 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 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 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

In 2020 I was under the Cares Act with Loancare. Loancare is showing on all three bureaus 60 days late and negatively impacting my credit. In XX/XX/2020 my loan was paid in full with Loancare and no balances remaining. Under the care act you may not send anything negatively or report anything negative to any bureau. I am requesting a letter and email from Loancare with Loancare letterhead stating there was never a late payment with my mortgage at any point in time. In addition, a dispute with all three bureaus to remove this negative impact your company faulted. This is completely illegal under the Cares Act and Loancare had no right to negatively report to any bureau whatsoever.
Complaint sub-issue: Reporting company used your report improperly

On or about XX/XX/XXXX I requested verification of an alleged account... 
REMEX INC ... XXXX. They, REMEX INC responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I noticed on my credit report the company name XXXX XXXX XXXX XXXX/XXXX is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$10000.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been trying to apply for a pay as you earn payment plan since XX/XX/XXXX. Every time I have applied multiple times and have been told over the phone several time that everything is correct and it will take time to process. It 's now XX/XX/XXXX, the paperwork I resubmitted in XX/XX/XXXX that I was told was there and correct has some how disappeared and I 'm being told I have to resubmit my application and pay stubs for about the 5 time. This has been with my fedloans.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL 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: Company closed your account

on XX/XX/XXXX XXXX closed my account without reason affecting muy credit score on XX/XX/XXXX XXXX XXXX closed my account without any reason on XX/XX/XXXX best buy/cbna closed my account without reason due the bureau credits send the order on XX/XX/XXXXXXXX XXXX XXXX closed my account without a reason All those account closed in my credit bureau with the remarked " CANCELED BY XXXX XXXX '' affected my credit report in a really bad way, my credit score still been affected because every time that i paid they reduce my credit limit and also closed accounts without any reason
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Received bad information about your loan

I 've requested that Nelnet honor my six-month grace period, yet Nelnet has yet to do so. In the most recent correspondence, dated XXXX XXXX XXXX, the deferment details are listed as : Start date : XXXX/XXXX/XXXX End Date : XXXX/XXXX/XXXX Next payment due : XXXX/XXXX/XXXX The distance in time between the end date and the next payment due date is not six months. I request that Nelnet make the appropriate correction to its records. 

Thank you.
Complaint sub-issue: Information belongs to someone else

Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Complaint sub-issue: Account status incorrect

My credit card had got stolen, when they was disputing the issue it took over 120 days. They told me no payment was due because, they didnt have a new account number for me. In the mix of everything, they told me no payment wasd due. Then they reported me late. When I tried to get it fix. they told me to write a letter of dispute or dispute it with the credit agency then they would remove it. I have written letter after letter and still to date its reporting as a past due payment on my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND EQUIFAX CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to Equifax and XXXX was sufficient proof of the re-aging and XXXX AND EQUIFAX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On about XX/XX/XXXX I ordered a sectional from XXXX, received it on about the XXXX and they sent the couch and loveseat in brown and the corner piece in gray - I ordered gray. Called XXXX and they refunded the amount and told me to wait two weeks before I disposed of cardboard that this came in - if I didn't hear back then I would keep or dispose of the sectional. While I was on the phone the lady put in a new order for the same sectional but told me that it would be three months as it was on backorder. I said ok at first and then thought about it and went in and canceled that order. 

XXXX refunded the first mistake sectional and then credited my account for the re-ordered one that I canceled BUT- they have not sent this credit over to my XXXX credit card so it is still showing that I owe for the re-ordered sectional,. I have called both XXXX and CITI who is the wayfair credit card and they keep sending me back and forth and have not fixed this yet. Attached is the invoice from XXXX showing a XXXX balance but my XXXX credit card is still showing the price of the sectional on it. I call and they either tell me to call one another or say they will credit it etc. Every time I call I get a different answer. Please help.I don't want to pay for something that was totally sent wrong or a re-order that I canceled.
Complaint sub-issue: Banking errors

Today I received two 1099-INT forms from Citibank ( one is correct, while the other is totally wrong ).

For the first and correct 1099-INT form, it shows my interest income from Citibank in the year of 2021 in both my Checking account and Savings account. Within the checking account interest income, it includes the {$700.00} new account promotional bonus that I received last year. 

For the second but totally wrong 1099-INT form, it shows {$1500.00} Bank Promotions from Citibank. However, I never received this {$1500.00} promotions from Citibank last year at all. Note that I only received {$700.00} promotional bonus in my Citibank Checking account and this {$700.00} bonus was already included and counted in the first 1099-INT form. Apparently this second 1099-INT form in the amount of {$1500.00} is totally WRONG and should NOT exist for my Citibank account at all. Unfortunately both 1099-INT forms were reported to IRS by Citibank.

I request Citibank to take immediate correction to withdraw the wrong 1099-INT form in the amount of {$1500.00} from IRS. Citibank must take immediate correction with IRS and also send me the correction for my record and tax return purpose as well.
Complaint sub-issue: Account status incorrect

Equifax is reporting an old account with XXXX XXXX as a charge off. The account was paid in a settlement and should reflect paid as agreed and Is Not a charge off account Both XXXX and XXXX have this reported correctly. 
Equifax has stubbornly and unjustly refused to address this simple issue. 
They seem to be trying to punish me because I have taken steps to correct this.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an overseas order for some products I needed on XX/XX/XXXX. The total amount spent with this company was {$370.00}. They were supposed to be shipped and it never takes longer than a month to get stuff from XXXX. On XX/XX/XXXX the seller emails me and tells me the warehouse sent me the wrong goods during the shipment. I told them that would not work, I had order 25 of these certain cups for a project. On XX/XX/XXXX, I contacted the seller because it had now been two months and I had not received my shipment. The seller lied to me and told me that they had shipped on time and gave me tracking numbers for XXXX and I contacted XXXX and they told me they created a label on XX/XX/XXXX but did not give XXXX the package. They lied and said they shipped on XX/XX/XXXX. So now this was explaining why they were so late. So the seller told me he would refund the items sent by mistake and I told them since I haven't received the order to cancel it. He refused to cancel it. He said after I received the products that they will refund the money for the wrong items sent. I said no, I need 25 of the same cups for a reason and now I only have 15. He then reiterated that the 10 were going to be free and he would return then all of the money of the 15 glowing cups to me as well. So I made other arrangements to fulfill that order on what I needed because he assured me he was refunding it. When I received the cups on XX/XX/XXXX, over two months later, not only did it confirm he sent the wrong cups but he also didn't include the straws I need for the cups. The other two sets were okay. So I requested my money back for the ones he assured me he was refunding and then since I have them, they refused. So since I received the wrong products, I uploaded all of our conversation to Discover and requested the partial money back that they promised me. Discover refuses to back it's customer even though I gave them every statement where he said he would refund my money. Discover should support their customers. I wasn't asking for a full refund, I was asking for what they sent and didn't send that was wrong and what they promised to give back to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting actXXXX XXXX XXXXXXXX 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 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: Problem making or receiving payments

PNC will not allow me to connect my checking account to XXXX, which is an investment account
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/2020. I have recently contacted Citigroup , Inc. stating that my account is in billing error. 

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # XXXX