Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. Mohela Has had me on it since they bout out the original debt. Please help update that amount.
Complaint sub-issue: Problem during payment process

This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent the credit reporting agencies Equifax and XXXX, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
Complaint sub-issue: Contacted employer after asked not to

Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

my partner took a loan from XXXX XXXX to purchase a new car without my authorization, now XXXX is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XX/XX/2018 for the amount of {$12000.00}
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX is a collection agency for rental properties and has reported to my credit reports on November 21, 2019. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt. When I got notice of collection on my report, I immediately sent a debt validation letter to said company.XXXX XXXX XXXX never sent me anything showing I owed the debt but they did send me a letter dating XX/XX/XXXX which stated the original amount of debt was and then the interest they added onto the debt to make total even more. According to the FDCPA, ( Section if a debt collector is attempting to collect on your debt, they need to do so according to the original contract you signed. This contract refers to the one you signed with your original creditor. Even though this debt was most likely purchased from the original creditor ( or someone else who had purchased it from the original creditor ), the terms are passed down through the chain of ownership. Therefore, a debt collector can not add fees to your debt without permission from the courts. This means that you will need to have a judgment placed upon you before any fees are added. I have not received any court judgements or any paperwork from XXXX XXXX XXXX stating they were able to add interest. I kept requesting proof of debt on multiple occasions since XXXX of XXXX and a letter dated XX/XX/XXXX I received another letter with even more interest and then a move out bill that had the original amount owed by original creditor but no contract of any sort stating I was the responsible party who owed this amount nor had my or creditors information on it. I asked again multiple times why interest was being applied and even the creditors contact info.
Complaint sub-issue: Need information about your loan balance or loan terms

I have been enrolled in PSLF for about 10 years. When Fed Loans acquired my loans from my servicer, there were 21 months of payments that were not credited. I have been enrolled in autodebit payments from my bank account and have called, emailed and corresponded with FedLoans over the years with no resolution of the issue. I have been told the update would occur, but it would take a few months. Each time I contact them, I am told to call back in a few more months, that the agent on my case has since moved on, or that the case has likely been resolved according to their notes and the count has been updated. This has dragged on over the past 4 years. I have attached my correspondence and notes over the years with the attachments.
Complaint sub-issue: Reporting company used your report improperly

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX  to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX # XXXX and XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX, XXXX XXXXXXXX XXXX # XXXX and 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 an account without my written instructions. 

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

My daughter is on XXXX XXXX with the XXXX XXXX in XXXX XXXX. This complaint relates to XXXX XXXX XXXX XXXX XXXX, the servicer of her loans, which the XXXX  has helped pay off through the XXXX XXXX loan repayment program ( LRP ). As a recruitment incentive to encourage my daughter to join the XXXX, the XXXX promised to pay off up to {$65000.00} of the Stafford Loans and PLUS Loans that she and I took out to pay for her undergraduate education. On XX/XX/XXXX of this year, Great Lakes received a payment of approximately {$9000.00} from the XXXX XXXX LRP. This was the XXXX XXXX 3rd and final annual payment, my daughter having completed her third year of XXXX XXXX in the Spring. The simple task for Great Lakes to carry out, as I explained to them clearly and repeatedly involved 2 easy steps : First, pay off the then-outstanding balance of my PLUS loans for my daughter. After several phone calls, Great Lakes finally got that step correct.

Second, I directed Great Lakes to apply the entire remaining amount of the XXXX XXXX payment to my daughter 's account for her own Stafford Loans. Great Lakes has not yet done this and now flatly refuses to so. Instead, they first applied the remaining amount to 2 other accounts of mine that are clearly not eligible for LRP payments ( they are for my daughter 's siblings ). Then, even after multiple phone conversations with them, and written instructions to them, Great Lakes applied only about half of the remaining amount ( instead of all of it ) to my daughter 's account and RETURNED the rest to the XXXX, somehow believing that the XXXX had overpaid them by that amount. Great Lakes did this without notifying me that they were going to do so, let alone getting my agreement to do so, and in direct contradiction of the instructions that I had repeatedly given them and that they had explicitly agreed, in multiple phone conversations, to carry out.

When Great Lakes advised me that they had erroneously returned these funds to the XXXX, they also asserted that they would try to stop payment on that action, but they advised me a few days later that they had been unable to do so and that, at that point, there's nothing whatever that they can do because ( in essence ) they're too big and too complicated to do something as simple as correcting an error that they, and they alone, had made. They refuse, for example, to even contact the XXXX  to get this situation rectified and they insist that our only recourse is for us to ask the XXXX  to make another payment to Great Lakes ( with no guarantee that they would apply that correctly either ). This seems outrageous and indefensible to me, particularly in light of the clear and simple instructions that I provided Great Lakes on multiple occasions, and their repeated assurances that they would apply the XXXX XXXX payment correctly. I have talked to at least 7 Great Lakes employees, including 1st and 2-level supervisors and a so-called military affairs " specialist '', and it is clear to me that further conversations with them would be pointless.
Complaint sub-issue: Information belongs to someone else

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

XXXX contacted me that a card applied for can not be approved because Equifax does not have my SSN on file. I contacted Equifax who said I should send my SSN card. When I did they rejected it because it has can only work with XXXX  authorization they refused to use it to add this to my file even when this card was issued to me as a XXXX. 
I need my file to be corrected.
Complaint sub-issue: Debt is not yours

1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ERC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Complaint sub-issue: Deposits and withdrawals

We have done business with a bank for more than several years, and have had a money market fund the entire time. That account included transactions by check, EFT, and checks issued at a branch. Being a money market fund, we abided by the restrictions of Reg D. We recently ran out of checks for this account, and have been refused in our attempts to order checks. 
Since this has been a demand account from its inception, with check access in place the entire time, I refuse to believe it is within my bank 's right to restrict access to MY funds in this manner, especially in light of the fact that applicable regulations were abided by, even with check access to our account. I will be glad to pay the bank 's price for checks, but I have not been offered that opportunity. The manner in which we conduct our household business has been built around check writing and transfer ability from all of our PNC/ banking accounts. That my bank would restrict such responsible money management abilities is troubling. 
It smacks of restraint of trade to think that a financial institution could restrict access to a customer 's money by disallowing a common instrument of commerce-A CHECK!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

1. I travelled and honestly forgot to pay my PNC BANK FLEX credit card for over 30days and i was reported to the credit bureau which has continually negatively impacted my credit despite the fact that i have since paid off the card and i have consistently paid off all balances until then and afterwards. 
I wrote to the bank but they insisted there was nothing that could be done. 
i am passionately appealing for the removal of this reporting on my credit so as to boost my credit. 

2.I moved from XXXX to XXXX and it took a while for me to return the equipment to XXXX because of the out of state credit they promised. I eventually paid off what i owed them but they had reported me,. I filed a dispute with the credit union and i would like that report taken off my credit report.
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam, This is a verified complaint concerning Equifax 's erroneous credit report. i : reported to Equifax, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Equifax, Equifax wrote back to me in letter date XX/XX/2019, under report number XXXX, that the bankruptcy reports were obtained from XXXX XXXX   which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Equifax, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Equifax to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Equifax and its Co Parties Agent ( s ) Principle ( s ).
Complaint sub-issue: Problem with balance transfer

On XXXX I called FIDELITY XXXX XXXX VISA at XXXX spoke to a Rep. to reqeust {$14000.00} overpayment refunded back to my home address. 
Next day XXXX, I called back to confirm, I was told that I had to wait for 14 days for them to review and cut a check mail to my home address. I asked the Rep. that Fidelity VISA needs to keep my money for 14-day, the rep. said she had no idea. 
I continuely called them for 6 times, spoke to different Rep. and their supervisors ; but none of them were able to answer my qeustion but just asked me to wait for 14 days. I reqeusted to have their payment research department manager to call me back to discuss, none of them called me back since. 
On XXXX, without my consent, all the suddent, I received a letter from XXXX from their payment research department indicating that without my consent, she sent {$14000.00} to another fianncial instituation where I did nto owe money to ; not only did she not sending money to my home address, neither the dollar amount was not my original reqeust ( I only reqeusted {$14000.00} ). 
The same day I called again 7th times spoke to their XXXX XXXX, she still had no idea why XXXX did that and told me that a supervisor will call me back ; but no one called me. 
Then, I called the other financail instituation, they said since I did not owe them money, they can not accept money from Fidelity VISA.

FIDELITY VISA is practiceing business illegally, they did not comply my original request, refused to return my money reqeust back to my home address and refsued to provide a reason why per my reqeust; but took 14 days to do illgal action, without my consent, which was never my rerqeust originally.

I'd like to have the comsumer affair dept. to investigate FIDELITY VISA and reqeust FIDELITY VISA to refund my money {$14000.00}, plus intersts of 10 % for holding my money this long of {$150.00}, total {$15000.00} mail to my home address no later than XXXX.
Complaint sub-issue: Overcharged for something you did purchase with the card

{$100.00} My health insurance company has charged me twice for the premium for the month of XXXX, XXXX One dated XXXX and the other dated XXXX. 

On XXXX I asked a supervisor at discover Bank 's disputes department to specifically dispute the charge dated XXXX. I also told the supervisor not to dispute both charges because the charge dated XXXX is correct. 

Then why did you dispute both the charges?