Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

This formal complaint is in regards to the misconduct of the private student loan company Sallie Mae 's misreporting of the amount I was entitled to for the student loan interest deduction on my 1098-E tax document. According to Sallie Mae, in the attached document that I received from Sallie Mae in the mail via USPS with my corrected 1098-E form, it was through a system error that caused a misreporting of the amount on my 1098-E tax form. On XX/XX/XXXX, I spoke with a Sallie Mae representative named XXXX, for which I asked him if this misreporting of the data was reported to the Internal Revenue Service ( IRS ) so that they're aware of the system error? XXXX said that Sallie Mae had reported this misreporting to the IRS and that they're aware of the situation regarding Sallie Mae 1098-E forms. XXXX told me that I should seek council from a tax professional about the path going forward towards making corrections to both my IRS & State 1040 tax forms for tax year XXXX. Myself, as well as millions of other affected Sallie Mae customers should not have to spend their precious time and hard-earned money to correct an egregious act of criminal negligence committed by Sallie Mae. Additionally, the timing for which Sallie Mae committed this civil wrong during the worst global pandemic in 100 years and the social and economic strain that Sallie Mae customers are already facing before this act of negligence took place makes it even more egregious in nature. From what XXXX said, it seems to me that just because Sallie Mae reported this misrepresentation of data to the IRS that they are all of a sudden all moral and free and clear from any civil wrongdoing. Although according to XXXX 's testimony, the IRS was notified about this misreporting, it is still an egregious act of criminal negligence on the part of Sallie Mae for this misreporting of data. It is not right that I as a U.S. taxpayer must do my due diligence in making sure that my tax forms are 100 % accurate before submitting them in order to prevent being subjected to civil penalties and fines ; but a big company like Sallie Mae can misreport the tax data on millions of student borrowers, causing them through no fault of their own to misreport their student loan interest deduction totals without facing any penalties like myself as a taxpayer would face if I misreported on my tax documents is simply wrong in its entirety. It seems to me that in this particular situation, the big corporation Sallie Mae 's priorities are more important than the priorities of the little student borrower/taxpayer who's just trying to payback his student loans, while legally being able to deduct on his tax forms the maximum amount of student loan interest he can to reduce his overall tax liability. I am looking forward to working hand-in-hand with the Consumer Financial Protection Bureau ( CFPB ) to seek legal remedies for the civil wrongs committed against me and millions of other Sallie Mae customers who's 1098-E tax form data was misreported by Sallie Mae.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone hacked my account and was able to clone my debit card. My pin number was also compromised. In doing so, the hacker was able to go to an ATM and pull out {$220.00} and {$80.00} on XX/XX/XXXX & XX/XX/XXXX. They also were able to withdrawal {$320.00} & {$80.00} on XX/XX/XXXX & XX/XX/XXXX. I reported it on XXXX I believe. The bank mailed me paperwork to turn in so that I would get my money back. However the banks fraud team denied me my money. I was under the impression that the victim has zero liability if the victim reports the claims immediately. 

P.s. 
I bank with US Bank.
Complaint sub-issue: Information belongs to someone else

I applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit information.
Complaint sub-issue: Problem during payment process

Submit payment using method ive always used. Then next day get an email saying payment was not able to process and returned with a XXXX dollar fee. I tried contacting both my bank and Citi XXXX and they keep placing the blame on eachother and I get nowhere. I'm afraid this will drag on and my credit will get dinged for it. Citi customer service has been no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate amount of late payments and is violating my privacy. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Investigation took more than 30 days

unauthorized use, YOU VIOLATED UNITED STATES CODES
Complaint sub-issue: Card opened as result of identity theft or fraud

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from Discover Bank now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's Data Breach.

Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for Discover Bank with a Balance of {$7800.00}.

I have never opened Nor Used Discover Bank and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.
Complaint sub-issue: Debt is not yours

XXXX   XXXX ,    2017  To whom it may concern, I have been trying to properly cancel my account with  XXXX  under buyers remorse since  XXXX . They sent me  XXXX  new phones for which I promptly mailed back to them using the  XXXX  return shipping label Tmoblie provided. The phones were lost by  XXXX  in their shipping and  XXXX  has assumed responsibility for that claim since  XXXX . Since  XXXX ,  XXXX  says they have reached out to  XXXX  in writing requesting several times that TMOBLIE respond to their questions before they can issue  XXXX  payment.  XXXX  says  XXXX  has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the  XXXX  parties and my credit is being destroyed. Meanwhile,  XXXX  has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00}  ) and  sent my account to  XXXX  different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to  XXXX  as well as the collection agencies and  XXXX  to no avail thus far with no resolution in site, I am viewing this inaction to respond to  XXXX  to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them (  XXXX ,  XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level   where this matter will finally be resolved. You would think this should be simple to solve since  XXXX  fully accepts blame and is willing to pay  XXXX .  XXXX  wont speak to me because they say the matter is between  XXXX  and  XXXX .  XXXX  wont speak to me because they closed my account and sold the supposed debt to  XXXX  debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me.  Im really stuck and I dont know what else I can do or who I can turn to.
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Acct # XXXX and XXXX  XXXX XXXX  have violated my rights 15 USC 1681 Sec 604 A Sec 2 states the consumer reporting agency can not furnish an account without written permission. Also 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter regarding an unknown account on my credit report. It has been over 60 days and I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) of the FCRA plainly states that failure to investigate items within 30 days gives reason to immediately remove inaccurate items from my credit report. It has been over 60 days so they should be deleted promptly.

I demand these items be deleted immediately or I will be forced to file for litigation due to the stress that has been caused as a result. My information was impacted by the Equifax data breach and ma
y have gotten into the wrongs hands as a result.

I would be greatly appreciative if this manner was handled as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Account status

Approxamately 5 years and 6 months ago I rented an apartment at XXXX XXXX XXXX for a 1 year lease. From the day I had moved in, there were issues ( No initial cleaning was done prior to my move in to which the manager responded, " Well, You wanted to move in today '' ). Additionally, The several items I listed on my move-in inspection that were in need of repair and/or replaced were not attended to throughout the entire 7 months of me living there ( w/o incident on my part ). Finally, After having paid the 6 previous months rent with money orders, I was turned away and told they were no longer accepting them ( w/o any notice ). I attempted to return the money order to XXXX where I had purchased it, with no success, and after returning to XXXX to advise them that if they would n't accept my form of payment ( the same form as I have made for the prior 6 months without any issues ), I would not have access to retrieve the funds. They again, declined which resulted in my moving out and leaving the apartment considerably cleaner than it was upon my arrival. When we went to court, Their lawyer asked me to explain the situation, and when I did so, He advised the Judge that they wished to settle the matter as it currently stood with me owing nothing and no longer residing there. I have submitted the court documents to them several times with no cooperation or attempt on their part to even respond to me in any form.
Complaint sub-issue: Their investigation did not fix an error on your report

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
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 were Never authoritized .
Complaint sub-issue: Other problem getting your report or credit score

I disputed a incorrect item on my credit report with Equifax, XXXX and XXXX and EQUIFAX now has blocked me from seeing my credit report. And has failed to respond to no less than SIX letters regarding my disputes. Now I ca n't even see my Equifax report NOR can I see if they deleted the incorrect item on my report. Why is Equifax that only bureaus that XXXX with consumers credit reports when they dispute an item by blocking them from seeing their reports and THEN adding insult to injury not responding to any further letters??????? INVESTIGATE THEM!!!!! This is outrageous!
Complaint sub-issue: Debt was result of identity theft

Popup on credit wasn't it or this company
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020, the debit card company, Direct Express, which handles my SSA funds, allowed a fraudulent charge to pass through them. I reported this to the company that day and ordered a new debit card. They, and I, had to wait 5 business days for the " pending '' status to close ( keep in mind the $ was already removed ), at a total of {$310.00}. The company which withdrew the $ is called XXXX and is located in XXXX, XXXX. The debit card transaction line is ridiculous. Hold for usually hours, and usually get hung up on 'accidentally '. On XX/XX/2020 they closed it and the $ was redeposited. On XX/XX/XXXX, however, they allowed the same company to do the same thing with my old debit card # and took the $ from the new. They refuse to give me their address to write a hardcopy letter to them for myself as directed by many sites regarding fraudulent debit card activity and which would also allow me to file a complaint with law enforcement. It's now XX/XX/XXXX. They told me on the XXXX that now I must file a report with them and that they were sending out a time-sensitive packet that I must complete and said that it would arrive within 3-5 days. It has not arrived and this information they 'need ' is due in days. I do not know who to turn to and I honestly need this $ returned. I can't even buy my medication or any necessity at present because of this fiasco. Can you please help me?
Complaint sub-issue: Attempted to collect wrong amount

I ended my XXXX XXXX service. They continued to bill me for two months after. I called customer service after receiving a collection letter. I thought it was resolve buy now a whole other agency is harassing me. I also still have their equipment here ( TWO years later ) because they never sent me the XXXX return label they said they would send. I owe them nothing and have disputed this through the credit agencies twice now to no avail.
Complaint sub-issue: Personal information incorrect

Name reporting incorrectly on my credit file needs to be changed. Inquiries are not mine.
Complaint sub-issue: Reporting company used your report improperly

IN accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Billing dispute for services

On XX/XX/2019 I, XXXX XXXX tried to login to Equifax to view my credit report for free via Equifax website prompts ( clicks/hyperlinks ). I was redirected to create a paid membership with an entry price of {$4.00} for the first month and continued monthly fee of {$19.00}. 

I started this at XXXX ( XXXX ) eastern time. I answered the verifying questions and was directed to the credit card payment. I would submit my payment and would be sent an email within minutes stating that my membership status was failed. I tried again at XXXX, XXXX, XXXX, and XXXX. I spoke with an associate about not being able to login on to the membership and receiving a failed message. The associate tried to create a membership at XXXX XXXX and XXXX and received the same error message on her attempts. The associate created a ticket to fix the issue. I was told by the associate that I would be provided a written notice of the fix and a phone call as I requested stating it was fixed as well as other verification issues that I had been experiencing with Equifax. When dealing with entities that use Equifax it was made to where I had to fax my information to the verification department and no one ( associate ) could explain to me way I was having to do this and what could be done to fix the issue. 

I would like a refund of the {$19.00} membership fee charged to me because I didn't not give authorization to create the membership without being notified via phone call of the membership and the verification issue that caused the problem. 

Supervisor XXXX XXXX, stated he was the highest-level supervisor on the floor, highest level supervisor I can speak with, and he was with personal solutions. When asked to speak to his manager and I will not be able to get a refund because no one notified you of my membership going through. I was never involved in the resolution and want to know what was wrong with my account. I want customer service. I had the same attention as they would provide an entity that use their bureau services on consumers if they would be having an issue with billing. 

And I want the called reviewed to hear the associate state that I would be given a call back when the issue was fixed. I got told everything I wanted to hear to create the membership and I was told nothing about the mistakes from the associate not calling to advise of a resolution. Everyone has to use credit bureaus and credit bureau roofless with consumer needs and resolutions. Consumer are engaging with the credit bureau to fix things they should be helpful to consumers. The economy would be better more buying power if people could fix their credit. Who want to take a loan out with a high interest rate? It stops you from buying a car you will pay cash and fix it up as needed until your credit gets better. I just want my money back because I feel like I was intentionally misled ( told things ) knowing that I don't have much of a win with complaining or resolving the membership charge.
Complaint sub-issue: Information is missing that should be on the report

Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.
Complaint sub-issue: Billing problem

My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. 
This leading to it effecting my credit drastically. 
I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. 
Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. 
XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. 

XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. 

On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. 

On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. 

It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. 

To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. 
Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them.