Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

US DEPT OF ED/XXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details XXXX XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details
Complaint sub-issue: Threatened to sue you for very old debt

I received an email today ( XX/XX/20 ) from someone claiming to represent Spotloan.com. They have a XXXX  email address, not a business email, and the grammar in the email is iffy. They threatened to serve me with court papers if I do not agree to pay {$750.00} up front or {$150.00} biweekly until it reaches {$890.00}. They are obviously impersonating the actual debtor, but I do not know how they got my information or that I had a loan with that company.
Complaint sub-issue: Was not notified of investigation status or results

On about XX/XX/2019, this supposed debt existed with a debt collector, named XXXX XXXX. I exercised my right, and questioned the validity of the debt. The creditor promptly deleted all files from all of my credit reports. On XX/XX/2019, I received the attached notice from Enhanced Recovery. The letter was dated on XX/XX/2019. I mailed Enhanced Recovery, the same day after receipt, via certified mail, questioning the validity of the debt. I explained to them that this " debt '' was sold to them by XXXX XXXX in my letter, that I have attached, because the debt could not be validated. According to the USPS, my letter questioning the validity of the debt was received by a representative from Enhanced Recovery on XX/XX/2019. I waited the 30 required days from the date of receipt for validation of the debt, and did not receive anything from Enhanced Recovery. I routinely receive updates on my credit reports, and this morning, XX/XX/2019, I received notification that Enhanced Recovery reported this supposed debt to the credit bureaus. I reviewed my report directly from Experian, and it shows that this " account '' was opened on XX/XX/2019, so Enhanced Recovery not only did not validate the debt with me after I requested them do so. They assumed this debt was " valid '' without providing me, the consumer, proper verification of the " debt ''. This adverse action committed by Enhanced Recovery has severely hurt my ability to obtain credit. I have been searching to obtain a home for my family, and this drop in my credit reports could potentially cost my family thousands of dollars. This action is malicious, and they have violated Fair Credit Reporting Act 611 ( a ) 1 ( A ), Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Fair Credit Reporting Act Section 617. I followed the law, by asking for proof of this debt they are reporting, and not only did they not provide it to me. Enhanced Recovery reported it adversely to the credit bureaus. Enhanced Recovery broke the law, and hurt my family.
Complaint sub-issue: Information is missing that should be on the report

Equifax credit reporting agency is not reporting my XXXX credit card account which has a zero  balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 I purchased an airline tickets {$3300.00} over the phone through an agent in XXXX a good talker give discounts & says dont worry I can cancel it within 24 hrs if I change my mind. He ask for my credit card for payment I trust him give my new Citi Master Card that has a 15 months 0 Apr for purchases & 0 liability for unautorize purchases. On the XXXX  we changed our mind & called my agent many times to cancel no answer, XXXX nobody can cancel.I email them no responsed. This is wrong so I called Citi customer service told everything & I want to cancel the payment & not authorized it. They give me a new card. After 2 days the payment went through. Call them again give me a lot of reasons why it go thru. So I decided to call XXXX  to get my refund because Citi is not helping & protecting me. Because even I told them everthing what happen & clearly say I dont authorized it they pay the merchant. I went to a lot of stress to get a refund. My agent finally answer my call on XX/XX/XXXX. I did not get the full refund only {$2500.00} on XX/XX/XXXX. I saw I lot of complain online about this XXXX  same what happen to me. So I file a dispute for {$830.00}. Its clearly they doing it to others. They dont answer my calls & emails to expire the 24 hrs free cancellation to get money it intentional. But Citi master card did not help me. And told me I liable for the {$830.00} why should I pay I call & inform them to cancel my payment. And in the letter they sent me they threatened me they will report me to the agency even I pay more than minimum. No good Im the consumer they should protect me.
Complaint sub-issue: Reporting company used your report improperly

This is regarding the Equifax breach. 

My information has been compromised by a consumer credit reporting agency. I did not authorize this agency to collect or release my information in any way. 

As part of disaster mitigation, I am attempting to lock my credit at all agencies. These agencies, including the one that was breached ( Equifax ) are all charging for this service.
Complaint sub-issue: Problem cancelling or closing account

Equifax Issue - spoke with a salesperson to understand their credit monitoring services. Hung up, did more research and signed up online. When specific feature I was promised was not available, I called Equifax back. They indicated I needed to signup for a more expensive service to get the feature I wanted. I agreed, then Equifax ' system went down and they could not upgrade me. I asked to speak to a supervisor. I spoke with supervisor on my signup challenges and in the discussion found out Equifax solution did not have the specific feature I wanted. Supervisor agreed to give me a refund. Never received refund. Called back and was told that my credit had been rejected because I signed up on line. If I had signed up by talking to a salesperson they could have processed my credit. In other words they do not stand behind their product or salesforce or they are calling me a liar. Hard to understand how a credit bureau who reports on others integrity does n't have the integrity to stand behind their sales team - and by the way I had the salesperson 's name.
Complaint sub-issue: Problem with personal statement of dispute

I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.
Complaint sub-issue: Debt is not yours

I have a debt collection for a utility bill I never used. The services appear to have originated from the creditor XXXX XXXX. I have never used services with this company nor provided anyone else my information to do so.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I had an installment loan show up on my credit report from XXXX  XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
Complaint sub-issue: Received bad information about your loan

I believe that FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) is unintentionally mis-reporting tax information for annual student loan interest payments for a calendar year to the IRS. I receive a document stating how much interest on my student loans is paid each calendar year in XXXX for the previous year. The numbers provided on these statements to me, the consumer, do not match the interest loan payments I made for the life of my loans, nor to the calendar year which FedLoan appears to be reporting on. 

In addition to this, account information is not directly accessible via their website after student loans are paid, they must be manually requested by the consumer from their support department, as they block access to the " Account Access '' portion of their website once all your loans are paid. When I received a copy of my student loan payments for the life of my loan ( FedLoan serviced my loans for at least the entirety of my repayment period ), I did a complete reconciliation of every payment, along with principal, interest amount, and residual balance after payment, from my personal records to the records FedLoan supplied, and my personal records were perfect. As a note, my loans are completely paid off, so I do know the absolute total amount of interest I have paid across each of my 4 loans, as well as in total ; see below. 

The meat of the problem lies here - FedLoan reported to the IRS that in XXXX I made student loan interest payments totaling {$140.00}, and in XXXX I made interest payments totaling {$510.00}. I do not have a statement for XXXX, and will not until XX/XX/XXXX. That being said, my personal records and the records provided directly to me by FedLoan state that my total interest payments for the LIFE of my four loans, across all loans, is {$540.00} in aggregate. This number, the true interest payment total for the life of my loans, is significantly lower than the total {$660.00} that FedLoan has reported to the IRS for the XXXX and XXXX calendar/fiscal years. 

FedLoan ( Pennsylvania Higher Education Assistance Agency ) has mis-reported my total student loan interest payments to the IRS, which affects the true deduction amounts that the IRS is expecting me to take on my tax returns each year. Please reach out to me for any clarifications or identifying information in order to validate these statements.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm not gon na lie, I'm XXXX off!!! On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care Of. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt or inquiries are as follows : ( 1 ) XXXX XXXX XXXX  XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, ( 3 ) XXXX XXXX MAZ XX/XX/XXXX, ( 4 ) XXXX XXXX XX/XX/XXXX, ( 5 ) XXXX XXXX XX/XX/XXXX, ( 6 ) XXXX XXXXXX/XX/XXXX, ( 7 ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( 9 ) XXXX XXXX XXXXXXXX ( 10 ) XXXX XXXX XXXX XXXX  XXXX ( 11 ) XXXX XXXX XXXX XXXX XXXX XXXX, ( 12 ) XXXX XXXX. I expect the CFPB to make them remedy this situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.
Complaint sub-issue: Debt is not mine

A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax & XXXX are violating Metro 2 XXXX for collection companies NOT reporting where the debt is coming from ( Original Creditor ). It clearly says in Metro 2 debt buyers must report the original creditor Name. This lets the consumer know where the debt is coming from. I have disputed this violation with XXXX and Equifax. They both refused to fix, delete the collection account from XXXX XXXX XXXX and XXXX XXXX. That is reporting the account inaccurate. I have attached the violation and the Metro 2 policy.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax XXXX XXXX, XXXX. I received an email that the dispute was completed on XXXX XXXX showing that my bankruptcy is validated by XXXX XXXX. I know this information to be false and that they did not verify it through XXXX XXXX. I have a security freeze on my XXXX XXXX account since XXXX XXXX, XXXX. I also contacted XXXX XXXX bankruptcy court and inquired if they furnish court information to the credit bureaus, was informed that do not. I believe Equifax is not actually verifying/validating any disputes but saying that they are doing so.
Complaint sub-issue: Debt is not yours

I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. 
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. 
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. 
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX  so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX   and the XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have written a few letters to this collection agency and they have removed the invalidated account from XXXX however, they have ignored my attempts to properly validate this account. I have attached the letters I sent them but have not received anything back from them.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022, I stopped in XXXX XXXX XXXX to fill our car up with gas. I gave my Citibank Mastercard to the attendant. He went to put it in the machine and he came back and said it would not accpet my card. He asked if I had another card and I gave him my XXXX card which went through. After I drove away I recieved a notification from Citibank that a charge of {$970.00} was made on my card. I immediately declined the charge and Citibank called me and I reported the charge as fraudulent. They told me they would remove the charge and issue me a new card. Subsequently they informed me that they would not remove the charge and have charged me for it.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, this account does not belong to me
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, Equifax, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 I ordered a free coin from XXXX. The fine print of that order indicated I would be purchasing a second coin for XXXX. When they told me I now owed this money I told them I didn't want the item, they sent me packaging to return it and I mailed it back to them. I never heard from them again until this year when nationalrecovery.com debt collection agency claims I owe XXXX  XXXX  XXXX. I have reached out to the XXXX XXXX via email multiple times and they will not respond to me at all. I am XXXX XXXX XXXX and believe they are trying to take advantage of me because I ordered this on the phone and I don't know what to do.
Complaint sub-issue: Public record information inaccurate

XXXX  is stating I filed for Bankruptcy in two different states. I want these bankruptcy 's removed from my credit profile
Complaint sub-issue: Problem with fees

I was late on paying my Discover account due to trouble making payment through the discover app. I was charge a late fee of XXXX XXXX. Which was refunded. But my minimum payment went up by XXXX XXXX  for the next month. Upon Discovers policy there calculations for late accounts you have to pay XXXX XXXX   plus an extra XXXX, plus 2 percent of Balance owing that goes towards balance owing. Upon this calculation you are paying an additional XXXX XXXX  plus on top of the monthly minimum due balance which is going to the balance owing. I was late paying XXXX 's minimum amount due. Therefore, XXXX 's payment has been increased by XXXX XXXX. Eventhough it goes to my balance owing and not to Discovers pocket for late charge ; I am still being charge a late fee in another form of punishment for paying late. Discover calculations on late payments practices should be reviewed period.
Complaint sub-issue: Report provided to employer without your written authorization

Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on Equifax for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX for {$63.00} Please remove unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status incorrect

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX
Complaint sub-issue: Problem getting your free annual credit report

I reached out to Equifax to request my consumer report AND FILE. Equifax did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Date of occurence XX/XX/XXXX. It was explained to me by the medical billing department ( XXXX XXXX XXXX ) that the debt was paid to and processed by the incorrect department ( XXXX XXXX ) resulting in a collections on my credit. I attempted to have the problem corrected and the funds paid-in moved to the proper department and was not successful. I offered to pay the debt if the company would remove the negative information from my credit file. I was told by the billing representative that the negative information would stay on my file until the statue of limitations is reached. The debt has since reached the PA statue of limitations on medical debt as of XX/XX/XXXX, and I would like the negative collections report to be removed.
Complaint sub-issue: Reporting company used your report improperly

PLEASE REMOVE XXXX XXXX AS AUTH USER : SS # XXXX ACCT # XXXX.