Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with fees charged

I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is reporting derogatory on my credit report, for a zero  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

Great Lakes sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact Great Lakes with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I received notice from my employer that she received a unemployment request by me and had my person information. I am not unemployed! My employer and I followed up with XXXX with the information that I did not request any unemployment. I followed up with Equifax due to I was included in the breach that occurred in 2017 and requested monitoring services. After speaking to several staff there I received report that until the appeals in court are processed I will not receive any monitoring. Asked to file a complaint within the company and had problems getting to supervisor. After talking to supervisor, it took me sometime to get him to file a report. He provided the # and information he supposedly entered into the complaint. I am angry that I did not give them permission to hold my information, they did not secure this information and was breached. Then they reported " sorry '' but are unable to assist me when it was their fault my information was gathered by a stranger. I am sure that due to COVID and high unemployment I am not the only one this is happening to. Equifax presented to me that it is not their problem to assist me. I did not want to provide them any more information than what they have or sign up for any services that they have and can be construed as my permission.
Complaint sub-issue: Information belongs to someone else

I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX XXXX {$130.00}
Complaint sub-issue: Debt was paid

So I purchased items on walmart.com using a third-party credit card also known as a buy here pay later card with a company called Sezzle. ultimately I did not end up picking up these items from XXXX because there was an issue at the store where there were no employees available to provide me with my items so I contacted XXXX and they issued me a full refund. When they issued the refund it went back to the Sezzle card that was originally used and Sezzle has been now contacted multiple times by me and XXXX also stated that they will email Sezzle as well confirming the refund was completed back in XXXX. Sezzle not only does not pick up their phone during normal business hours but after I have actually spoken to them via phone and through email, they still continue to not remove the transaction from the account and they also are attending to charge numerous accounts of mine such as credit cards, debit cards, @ bank accounts for a transaction where I never received items and they were already refunded. I contacted Sezzle numerous times via phone and email but there is absolutely no resolution and this company still continues to charge my account when I never purchased anything in the end. They are now knowingly being deceptive and fraudulent in my opinion. I ask them to not charge any of my credit cards, debit cards, or bank accounts again. There is no option on their app to remove my previous used payment methods.
Complaint sub-issue: Reporting company used your report improperly

In XXXX XXXX, I utilized Equifax for a credit report, as I do every few years from this company. In light of the recent cybersecurity breach, I chose to check if my data was compromised via the website www.equifaxsecurity2017.com. After supplying my information ( much to my hesitation ), I received the following message : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] For more information visit the FAQ page.
In no way did I authorize for Equifax to distribute or make available my personal information. Historically, I have submitted my personal information, including but not limited to my name, DOB, SSN, addresses, and drivers license numbers to Equifax in secure sessions in order to obtain my credit report.
According to the FTC, this breach lasted from XXXX until XXXX. As a trusted credit reporting agency, Equifax should have notified impacted consumers as soon as the breach was known, so that they would be able to take decisive and proactive measures. Instead, consumers such as myself will have to act in fear and with the potential for significant losses.
Complaint sub-issue: Problem during payment process

On five occasions, Best Buy credit card attempted to withdraw money from my savings account even though the information they have is for my checking account. Their procedure is to attempt the withdraw 3 times, so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Best Buy attempted the withdraw from my savings account and I was hit with a {$34.00} fee each time due to insufficient funds since the funds were in my checking account. XXXX XXXX XXXX XXXX XXXX graciously refunded me half of the charges, however, Best Buy would not refund me the remainder. I added a different banking account at that time and paid my XXXX bill, and was told no payment would be attempted from the XXXX account. I also cancelled my autopay. However, in XXXX, they again attempted to withdraw the money from my savings account twice, on XX/XX/XXXX and XX/XX/XXXX and I was again hit with two {$34.00} charges. I spoke with XXXX with disputes and XXXX with operations ( XXXX ) and XXXX ( operation number XXXX ) who all told me it was not their fault and that they would not be able to refund me the fees.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Can't close your account

I am attempting to cancel a credit card. I called the customer service line provided on the back of the credit card on 3 separate occasions on XX/XX/19 and XX/XX/19. First, it's pretty difficult to actually get to a customer service representative ( CSR ) and when I finally do and inform the CSR I wish to cancel the card, the CSR 'checks ' my account and then informs me another department has to process the cancellation and provides me a number to call. The number provided is the same number I dialed to get to the CSR I'm talking to. When I inform the CSR of this fact the CSR insists it's the only number available. I ask to speak to a supervisor and the CSR refuses my request. I have also sent emails ( X2 ) to their customer support email address requesting the card be cancelled with no response.
Complaint sub-issue: Reporting company used your report improperly

a financial institution may not disclose any information to a non-affiliate program without my consent under 15 usc 1681b I was not informed
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Debt is not yours

I am filing a dispute for all inaccuracies on my credit report with Equifax.
Complaint sub-issue: Didn't receive enough information to verify debt

Thank you I have disputed these charge-offs and collections with all three of the credit bureaus, and I was shocked they came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 

There is incorrect/missing info from these companies on my credit report. 
More specifically, I am referencing to inaccurate account number and a charge- off listed as open. This in direct violation of Section 609 ( a ) ( 1 ) of the FCRA Creditors : XXXX XXXX  XXXX/ XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account not knowing at first who it was. After research I realized it was from an apartment I rented over 5 years ago, that I never missed a payment nor was late ever. When I moved out I spoke with front office giving them a month notice saying they could keep my deposit.I was told that everything was fine. I even called original company and was told I don't owe anything. This company that is trying to collect a debt from me that I have never even heard of for the amount of XXXX. This is insane and I have never even spoke with them and never have I even received any notice from them. This is all unauthorized and is breaking the law by damaging my credit with false reporting. I want this issue deleted from all 3 credit reports instantly.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and I am submitting this request myself and there is no third party involved. Regardless of the multiple written requests, the DISCOVER FIN SVCS LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-examine most especially the status information on this account. Otherwise, delete this collection account NOW.
Complaint sub-issue: Account status incorrect

On my FICO credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.
Complaint sub-issue: Information belongs to someone else

In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.
Complaint sub-issue: Deposits and withdrawals

Name : XXXX XXXX Account Number : XXXX I applied online on XX/XX/XXXX, the account went to pending and was on hold for 41 days without any explanation, I called 5 times and was told just to wait, without any response letter or communication. 

On XXXX XXXX the hold was lifted and I got an email : " Welcome XXXX. Citi Priority offers you an integrated banking and investing experience to help you achieve your financial goals. There are just a few things to do and you'll be on your way. Activate your Citibank Debit or ATM card once you receive it. Your card will be mailed within 5 business days. '' Now back office refuses to apply/approve promotion, stating I didn't meet the requirements counting 60 days from XX/XX/XXXX to meet all the requirements. Which is incorrect, and illegitimate, the hold was placed and then removed without any explanation after 41 days from application date, and the debit card was received on XXXX and PIN on XXXX. 

Please process my promised bonus offer as soon as possible, because I met all the requirements from XX/XX/XXXX till XX/XX/XXXX.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I am an international XXXX  student at XXXX university. I opened abank account in PNC bank, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the pnc bank told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account.
Complaint sub-issue: Personal information incorrect

THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX 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 OH, XXXX 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
Complaint sub-issue: Public record

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all XXXX bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, XXXX, and Equifax via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Complaint sub-issue: Attempted to collect wrong amount

This is a collection that was PAID IN FULL LAST XX/XX/2019 PLEASE SEE CHECK OF FULL PAYMENT DONE XX/XX/2019 IC SYSTEM IS COMMITTING FRAUD, THEY ARE REPORTING ME FRAUDULENTLY BASED UPON A collection that was PAID IN FULL last XX/XX/2019 PLEASE SEE EVIDENCE OF PAYMENT. 
IC SYSTEM IS DESTROYING MY CREDIT REPORT BASED ON FALSE INFORMATION THEY ARE REPORTING. 

CREDITOR : XXXX AKA XXXX XXXX IC SYSTEM MUST DELETE THIS FRAUDULENT COLLECTION ACCOUNT OUT OF MY CREDIT REPORT EFFECTIVE IMMEDIATELY.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a first progress credit card. Where I make a {$100.00} minimum payment. I payed on time thorough out all the pandemic. I recently have gone through a financial hardship and I missed one payment because of that. I then made the payment but I still had a late payment on my record. It was in XXXX of 2021.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield started contacting me about a final statement from XXXX XXXX on the same date that the final statement was generated, including language that indicated that they would damage my credit if I didn't pay immediately. I paid XXXX XXXX directly, as I had no idea as to whether Hunter Warfield was a scammer or not. 

I told Hunter Warfield that they would need to verify that they were allowed collect on this debt. I never received verification. Unfortunately, I don't have it recorded, but when I was asking for this proof over the phone, the representative said something to the effect of " XXXX, are you XXXX? We're a collection agency, we collect on debts for XXXX XXXX. '' Requesting verification of a debt is not something that one should be condemned or talked down to for. 

I sent a written demand for verification and dispute to Hunter Warfield via certified letter and received delivery receipt.