Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use XXXX and put my case number in the note on the XXXX payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my Citibank checking account and was paid recently. 

Called Citibank to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for XXXX  XXXX billing. 

Citbank said they would investigate, but shouldn't XXXX be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. XXXX should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own XXXX are abetting criminals.
Complaint sub-issue: Problem lowering your monthly payments

This is one of many complaints that I have had to write about Sallie Mae. After refusing to help me with my monthly payments they have decided now to blackmail me with the credit bureaus by claiming that I am past due on my payments when actually I have been making payments to the accounts. I pay what I can but they want me to {$450.00} which I can not afford.
Complaint sub-issue: Debt is not yours

They try to collect an equipment that I don't have, or I don't know what equipment they are talking about.
Complaint sub-issue: Card opened as result of identity theft or fraud

CITICARDS CBNA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CITICARDS CBNA along with a notarized affidavit claiming fraud. CITICARDS CBNA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CITICARDS CBNA to close their files which have any information with my name & social on it ...
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I tried to register for a free trial course with XXXX To register, XXXX requires a credit card. XXXX DOES NOT SEND A CONFIRMATION EMAIL TO CONFIRM THE ACCOUNT. When I tried to register for the course moments later, I could not log in. When I contacted XXXX, they said I did not have an account. I could not take the course. I could not cancel the trial with in the 30 days. In order to reverse charges, they said I would have to EMAIL ALL OF MY INFORMATION. EMAIL IS NOT A SECURE FORMAT. THEY KNOW THAT. For 5 months XXXX charged me a fee for an account they said I did not have.
Complaint sub-issue: Don't agree with the fees charged

Sense the beginning of 2011 i have bren shifted around frim loan services to new ones and never get answers i never received diplomas also from XXXX XXXX university i was denied semester fund reimbursements when classes were dropped on schools part. I have tried disputing funds sense i am not a nurse because of there. school
Complaint sub-issue: Their investigation did not fix an error on your report

Due to the Pandemic EQUIANT FINANCIAL SVCS starting reporting a late payment that I since been on time. 

EQUIANT FINANCIAL SVCS never reported on my credit before the Pandemic in which I was blindsided nor warned they were going to do so in order for me to correct any problem. 

Now for Some reason they are reporting negative history on my account that is affecting my score. 

I'm current and baffled why are they reporting on my credit file after my initial dispute they removed it. 

This is a mistake and I need it removed immediately.
Complaint sub-issue: Denied request to lower payments

On XX/XX/2018, I spoke with XXXX in the deferment department to set up a payment extension, and I was denied an extension because I was not working. Therefore, I asked to speak with a Supervisor XXXX XXXX. XXXX XXXX told me yes I qualify for an extension because it ' been over a year that I have paid my car note. However, because I am not working he will not give me an extension. 

Because of this errant handling of my request, they are definitely breaching my contract which states I am eligible for a extension because my account has been active for a year.
Complaint sub-issue: Account status incorrect

I recently reviewed my credit report and I observed that ALLY FINANCIAL are reporting late payments to all the major credit bureaus, XXXX, XXXX, & XXXX. This negative reporting has had a severe damage on my XXXX XXXX & credit worthiness. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that ALLY FINANCIAL provide my physical proof that the alleged payments were in fact late as being reported.
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX - Balance {$8000.00} - Account number XXXX - Date opened XX/XX/XXXX US DEPT. OF EDUCATION - Balance {$14000.00} Account number XXXX - Date opened XX/XX/XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

the collection account is reporting an active payment history and there's no contract between myself & I.C. Systems nor XXXX making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX, XXXX. Acct # XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX - XXXX XXXX Acct # XXXX US DEPT. OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Bankruptcy Reference Number : XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX
Complaint sub-issue: Reporting company used your report improperly

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX Credit Card  XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. XXXX  clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n  ] Best regards, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have Challenge a account ( XXXX XXXX ) on my XXXX credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy
Complaint sub-issue: Indicated you were committing crime by not paying debt

Called my sister about a debt I owed ( which is non-existent without any previous communication to me in letter form or phone call ). They threatened criminal action and directed her to have my attorney contact her. I would like to have legal action pursued against them as this is unexcusable. They claimed she was a close contact, but she was not, I have not taken out any XXXX loan in a long time and have not listen her as a contact on any of them. This call happened today ( XXXX around XXXX XXXX ).
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.
Complaint sub-issue: Attempted to collect wrong amount

I reached out to the CFPB to file a complaint in XXXX. The complaint was with regards to Flagship Credit Acceptance not providing fair, transparent services and with regards to their refusal to assist with a deferral of the monthly payment as they claim to do, during the COVID19 pandemic. 

With the assistance of the CFPB, Flagship Credit Acceptance responded saying they will defer the payment XXXX monthly payment being ~ {$600.00} XXXX until XXXX. 

Flagship credit acceptance have now been calling, sending messages and emails attempting to collect a ~ {$1800.00} payment, saying that my account is over 40 days delinquent. Not only does this not constitute any assistance during the pandemic to a small business owner who has reached out for assistance but it establishes fraudulent communication tactics and misinformation to create fear and panic with the lenders who are doing their best to make ends meet and meet their financial obligations.
Complaint sub-issue: Account information incorrect

Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. 60 points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!
Complaint sub-issue: Called after sent written cease of comm

I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.
Complaint sub-issue: Deposits and withdrawals

XX/XX/2021 A CHECK FOR {$42.00} WAS PAID BY THE BANK. THE INFORMATION ON THE CHECK WAS CLEARLY COPIED AND PASTED INTO THE CHECK AS WELL AS THE SIGNATURE, I CALLED THE BANK TO ADDRESS THIS FRAUDULANT TRANSACTION AND A FREEZE WAS IMMEDIATELY PLACED ON MY ACCOUNT, DENYING ME ACCESS TO MY FUNDS UNTIL " PENDING DEBIT CHARGES HAD BEEN POSTED, '' AT WHICH TIME THE BANK WILL CHANGE MY ACCOUNT NUMBER. I WAS INSTRUCTED TO MONITOR MY ACCOUNT FOR THESE " PENDING '' CHARGES TO POST. WHEN I ATTEMPTED TO ACCESS MY ACCOUNT, VIA MY ONLINE ACCOUNT, THE BANK HAD LOCKED ME OUT OF MY ACCOUNT. NOW THE BANK IS REQUIRING ME TO FILL OUT " FRAUD '' DOCUMENTS WHEN THE RESPONSIBILTY FOR THIS LIES SOLELY WITH THE BANK. 
IT IS MY BELIEF THAT MANY RETALIATORY ACTIONS HAVE BEEN TAKEN AGAINST ME/MY ACCOUNT FOR PAST COMPLAINTS I HAVE FILED. 
MY ACCOUNT REMAINS FROZEN AND MY FUNDS UNAVAILABLE.
Complaint sub-issue: Personal information incorrect

Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.
Complaint sub-issue: Reinserted previously deleted info

In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.
Complaint sub-issue: Information is missing that should be on the report

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 - XXXX XX/XX/2022 XXXX XXXX XXXX My information is being used and now with these inquiries that are popping up on my report are affecting my ability to stabilize my families quality of life.
Complaint sub-issue: Problem getting report or credit score

Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked.
Complaint sub-issue: Information belongs to someone else

I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone XXXX and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called Equifax and XXXX and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After filing Indentity Theft with FTC as well as CFPB... I attempted to call Equifax at XXXX of there XXXX numbers XXXX. Asked for the Fraud Department and the woman who answered the phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I asked to be connected to " fraud dept ''. The customer service rep would only give me the name XXXX XXXX XXXX  with no employee number.XXXX XXXX advised that she was the " fraud dept ''. I advised I filed FTC report and CFPB and I wanted to call, with sense of urgency, regarding " Inquiries '' being reported on XXXX XXXX  XXXX stated she would need my social security card and another form of identification and she would be sending me documents to fill out ( police report ). I advised my rights according to 15 USC 16811 ( 3 ) ( c ) ( II ) that sufficient information may consist of a standardized form describing general nature of situation ; 15 USC 1681H ( a ) ( 1 ) I am ONLY required by law to provide proof of identity.. my driver 's license would do. XXXX was also in violation requesting that I fill out additional paperwork and it would take up to 5 days.. Nothing in the law requires me to provide additional documents other than what I already submitted prior. This stall tactic is a blatant disregard to our FEDERAL LAWS. 

XXXX was being very disruptive and when I clearly was getting nowhere fast, I asked I could speak with her supervisor. She stated, Well.. that will be hard because there are several. " I asked to speak to the one who is working over her today ( Friday XX/XX/XXXX at XXXX XXXX XXXX ) and she said she could not allow that and I advised her I was going to start recording the actual call and I had to inform her ; however, in the state of Florida, there's a fine line and you can record pretty much any phone call without notice ) XXXX began to get agitated and staying " I better don't ( she actually said that ) record her that they don't allow that and that they were a government branch '' I cut her off and said " What? '' Are you actually impersonating a branch of the Federal Govt? Are you kidding me.. now I am going to record you! '' The phone went dead... I was disconnected.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX  can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX  will have to pay my lawyer fees and for the lie detector test result I present in court