Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

My personal information was leaked from the recent Equifax security breach. The breach was reported to have happened back in XX/XX/XXXX. One of my credit cards, XXXX XXXX, already had fraudulent charges placed on it yesterday ( Thursday, XX/XX/XXXX ). I 've already contacted XXXX XXXX and took the necessary action to revolve it with XXXX XXXX. However, I 'm very concern that I 'm a target for further identity theft attempts.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2020, a representative from ERC spoke at legnth with my spouse regarding the alleged debt they claim is owed. This is in violation of 15 U.S. Code 1692b.regarding the disclosure of a debt to a third party. I have since mailed a cease and desist letter to the company and asked for validation of the debt.
Complaint sub-issue: Contacted employer after asked not to

Our company changed insurance in XXXX of XXXX. I received vision services at XXXX XXXX hospital in XXXX XXXX in early XXXX. The bills were apparently sent to my office, not home as indicated. Typically, it takes several months for insurance companies to determine the amount they will pay and the amount owed by the insured and then they will bill the insured. 2 months later a collection agency, Progressive Management Systems in XXXX XXXX, CA contacted my employer and told them of the issue but did not call me and I was n't alert at the time. I found out about the contact later after receiving a subsequent contact from the agency. I immediately called the agency and they agreed to remove the delinquency and note I was not at fault and in fact just became aware of the outstanding nature of the bill. I was concerned about their un professional behavior over the phone, talked with a supervisor but was still worried about their tactics. I then called XXXX and immediately paid the bill and they advised that they would delete the delinquency. As far as i know this has not been done.
Complaint sub-issue: Trouble closing card

I opened a Secured XXXX card that I loaded {$500.00} on in XXXX 2015. I was trying to boost my credit score so I used it and always paid on time. My score went up a little but not much so I closed it last month and got my money back. But now, since I closed the account, my credit score dropped 29 points! This is just wrong! For closing an account I get penalized! The whole credit reporting system is designed to keep us down. This is an attack on hard working citizens and this is not fair no matter how you look at it.
Complaint sub-issue: Problem accessing account

I am simply trying to connect by checking account and debit card at PNC Bank with my account with XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureau reporting incorrect information even after multiple violations of the FCRA and pending litigation. 

Creditor has failed to provide substantiation for their claim of a balance owed on an account closed with a XXXX balance. 

I have provided proof that account XXXX closed with XXXX balance. 

Litigation pending.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills
Complaint sub-issue: Problem with product or service terms changing

I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.
Complaint sub-issue: Problem with personal statement of dispute

In XXXX  and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report
Complaint sub-issue: Reporting company used your report improperly

15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not yours

When I was renting a house my credit was pulled and I found out that Hunter Warfield, a collection Agency, had report that I owed them {$5100.00} in XXXX and {$5100.00} in XXXX  and XXXX XXXX. They had XXXX XXXX XXXX XXXX ( XXXX ) as the original creditor. 

I do not owe this alleged debt. They and XXXX had never tried to collect this from me nor notified me about this debt. 

In XX/XX/2018, I disputed the debt with Hunter Warfield, through certified mail with return delivery ( usps.com tracking # XXXX ), asking them to validate the debt because I do not owe this alleged debt. Returned cert, received showed that Hunter Warfield received my validation disputed mail on XX/XX/2018 at XXXX XXXX. But Hunter Warfield never responded and never validated the debt as required but kept reporting the debt in all 3 credit reporting agencies.

According to Fair Credit reporting Act ( FCRA & also FDCPA ), debt must be validated with 30 days after they receive my notice to validate. According to these Federal Credit Laws not validating the debt is an indication they are admitting what they are reporting is not true, false and/or fraudulous. The debt was then un-validatable and reported in error. The debt report was inaccurate and in error.

These Federal Credit Laws Stated that they must remove and delete inaccurate, false and error report from my credit record immediately. 

According to FCRA and FDCPA my credit record must be free from error and reported accurately and complete. 

Actually I did not even owe XXXX. They still had {$420.00} of my money to date. 

I want Hunter Warfield and XXXX to delete this un-validated alleged debt and inaccurate and false information from my credit record with all Credit Reporting Agencies immediately in accordance to the Federal Credit Laws, ACRA and FDCPA. And notify me when these inaccurate, false and error information are remove and deleted from my credit record. It has passed the required 30 day. It has even passed 150 days with no validation of the debt.
Complaint sub-issue: Attempted to collect wrong amount

Discover card is reporting the wrong amount owed. 
The credit limit was {$500.00}, the balance showing is {$1000.00}. 
I called Discover, they stated no bill statements is in their system, I was referred to an collection agency. Spoke to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, OK XXXX, ( XXXX ). 
Collector stated, I owe {$1000.00}. I explained to him, my credit card limit was {$500.00}, I stated to him, my card became delinquent after XXXX XXXX, I lost my job during my recovery. I made 2 payments, then declined, I didn't realize that I had no direct deposit because I was terminated while recovering from XXXX. 

He stated, he have no records, he just have my file stating, I owe {$1000.00}. I explained to him, that was incorrect. He stated, all he could do is collect XXXX or set up monthly payments or settle for XXXX. I declined because, I don't owe that amount and I don't have an income. He told me there is nothing he could do.
Complaint sub-issue: Used obscene, profane, or other abusive language

This morning I received a phone call about a debt I have with the XXXX XXXX XXXX. I acknowledge that I have a debt but never received paperwork from the company collecting. I have been in contact with XXXX XXXX XXXX to take care of this. The gentleman 's tactics were not only rude but he didnt do much of explaining. Also, he called my husband in regards to this.
Complaint sub-issue: Reporting company used your report improperly

ON XXXX/XXXX/XXXX I learned about a cyber-attack on Equifax. According to Equifax, I may be affected by this hack, meaning that I may become a victim of identity theft due to Equifax inability to secure my personal information. They offered to provide a identity monitor service, but at the cost of giving away my right to participate in a class action lawsuit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions XXXX 3 times XXXX and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
Complaint sub-issue: Reporting company used your report improperly

IN REGARDS TO MY COMPLAINT # XXXX SUBMITTED XX/XX/2022, THE COMPANY 'S LETTER IS UNRESPONSIVE TO MY REQUEST. EQUIFAX IS IN A WAY THAT IS EXACT AND CLEAR, OBLIGATED BY LAW 15 U.S.CODE SECTION 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION. TO SHOW PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS IN MY FORMER COMPLAINT, SUBMITTED ON XX/XX/2022. SECTION ( B ) OF THAT LAW STATES, THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, AND ( C ) THE CONSUMER IS GIVEN AN EXPLINATION OF HOW THE CONSUMER CAN EXERCISE THAT NONDISCLOSURE OPTION. XXXX IS CLEARLY DEFLECTING FROM THE MY REQUEST AND WILFULLY BREAKING THE LAW IN THEIR RESPONSE. I AM AN XXXX AMERICAN WOMAN WHO IS AWARE OF HER RIGHTS, AND I REFUSE TO LET THIS COMPANY TAKE ADVANTAGE OF ME. I AM DEMANDING PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS ALONG WITH MY NONDISCLOSURE OPTION, ENOUGH WITH THE FILIBUSTERING TACTICS.
Complaint sub-issue: Account information incorrect

To Whom it may concern, I request a copy of my XXXX consumer report for freedom of information purposes since my information is involved. 

Furthermore i request a freeze to be added to my XXXX  consumer report pursuant to my fcra right as consumer. 

Attached is a copy of ID and SSN for Verification Purposes Please Send Me a letter Confirmation with My XXXX   Consumer Report Blocked To the address listed on that request Regards,
Complaint sub-issue: Their investigation did not fix an error on your report

I faxed a letter to Equifax XX/XX/2021 stating my identity was stolen. I completed an FTC identity theft report showing how my identity and followed the FTC identity theft guidelines as listed. According to FCRA 605B, the fraudulent information on my credit report : addresses XXXX XXXX XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and This collection account XXXX XXXX XXXX XXXX  Account # XXXX, should have been removed and blocked from my credit report in 4 days. My rights as a US Citizen are being violated by Equifax and this information will be included in my lawsuit if this isn't handled. I subsequently also completed a police report with the city of XXXX Police dept which I have attached.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX I had 3 fraudulent charges on my XXXX XXXX card from XXXX XXXX XXXX the transactions took place in California., I live in Kentucky XXXX I called the XXXX XXXX XXXX and told them these were fraud. I called California state police they said call the Kentucky police. I did they said call California. The transactions started about XXXX XXXX central time on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> 
XXXX XXXX XXXX store XXXX {$810.00}, XXXX XXXX XXXX store XXXX {$340.00}, XXXX XXXX XXXX store XXXX {$87.00}. I called the stores they said the purchase was suspicious. I informed the stores they were fraud. My card and Pin have never been out of my possession. On XXXX I immediately called XXXX XXXX to inform of the charges, they canceled the card and gave me a new card and instructed me to destroy the old card and I did. I was not able to file a Reg E claim on this date. I could not get thru to level 2. Since this has happened I have called over 50 times to make a Reg E claim. The bank  is refusing to allow me to make a Reg E claim. They level one operator tells me each time I will have to speak with the level 2 operator. I told them not to transfer me to level 2 until they could get a human on the line from level 2. I told the level one operator I  need to file a Reg E claim and get provisional credit they say talk to level 2. I have called every day since XXXX I have a call log upon request. I did get thru to a level 2 person one day and she said her computer was down and I would have to call back. The bank is refusing to let me make a Reg E claim. I have not been given provisional credit for the fraud charges.
Complaint sub-issue: Account status incorrect

MONEYLION- Account Was Opened ( XX/XX/2020 XXXX And Was Closed ( XX/XX/2020 XXXX Loan Amount {$1000.00} Amount paid back By ( XX/XX/2020 XXXX {$1600.00} Credit Report says MONEYLION- Account opened ( XX/XX/2020 XXXX and still open. 
Balance {$1100.00} Highest Balance {$1000.00} Monthly payment Amount {$3000.00} Term 12 Months. 

This Is Absolutely Incorrect, there isn't a loan company in the entire world that would require 12 months of {$3000.00} per Monthly payment on a loan of {$1000.00} dollars. If This Were A true statement that would be {$36000.00} dollars After 12 months of payments for a {$1000.00} dollar loan. 
Its Impossible For That To Be Correct And It Is An Error And Incorrect. 
My Credit score was Affected So Badly From This Incorrect Error And My credit score Has Dropped Due To This Issue. 
My MONEYLION loan Was Paid Back In 10 days And It Wasn't A 12 Month term it was a payday loan. After Paying back The Loan When I Received My Pay-Check My Account Was Closed And All Was Paid And In good standing. 

Now After My credit score dropped XXXX points from the Error. If The Report Was Real That Would have made the {$1000.00} dollar loan have an interest of 3,900 % interest on {$1000.00} dollars.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Complaint sub-issue: Trouble with how payments are being handled

I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.
Complaint sub-issue: Was not notified of investigation status or results

I submitted by certified mail to all three credit bureaus Affiant Affidavit in Affirmation of Facts, please see attached. 
Similarly, XXXX does not establish the ownership of this account in accordance with the attached documents and is therefore fraudulently collecting and reporting to credit reports. 
Failure to remove such information from my consumer credit report will constitute legal violations under FCRA based on negligence, and all three credit bureaus will be held liable in court. Please note that I am in the process of buying a house and that you may be liable for both punitive and statutory damages.
Complaint sub-issue: Not given enough info to verify debt

I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation.
Complaint sub-issue: Can't temporarily delay making payments

I cosigned two student loans through Sallie Mae for my daughter XXXX XXXX. XXXX became seriously ill in 2021 and has been off work without pay due to her illness. She had major XXXX XXXX on XX/XX/XXXX and then a second XXXX on XX/XX/XXXX and spent over XXXX weeks at XXXX XXXX XXXX. She is scheduled for a third XXXX on XX/XX/XXXX where they will be removing a portion of the left side of her brain. She will need many months of recovery before we know if the XXXX was successful or not and if she will be able to go back to work. Sallie Mae informed us the only way they can do anything about the loans is if she is declared permanently XXXX but we wont know that for quite a while. At this time she is no longer able to work , drive, or even be by herself. She needs constant care 24 hours a day. They are now coming after me for the loan payments and I understand that I am responsible as the cosigner. However, when I co-signed those loans I was making quite a bit more money and unfortunately I was laid off of my job that I held for 13 years due to no fault of my own and I now make considerably less. I struggle to pay my bills and I have almost completely wiped out my XXXX XXXX XXXX XXXX. When the loans went 60 days past due it reported to my credit and knocked my score down XXXX points. This was devastating to me at the age of XXXX! Sallie Mae informed me that once the loans default in the end of XXXX I can have my wages garnished or a lien put on my home. If they garnish my wages theres absolutely no way I can afford to pay my living expenses. The equity in my home is all the money that I have at my age and if they come after that I dont even know what the point of living is anymore. XXXX XXXX has been absolutely devastating to our whole family and now we are both being ruined financially for something that is totally out of our control. I would pay the loans if I had the money but I just dont have it and I dont know where to come up with it. I already know that I have to work until Im XXXX XXXX XXXX because I dont have any money for retirement.
Complaint sub-issue: Trouble with how payments are being handled

I am currently repaying my loans under the Income-Based Repayment program through FedLoans and I will be eligible for Public Service Loan Forgiveness after  making my 120th qualifying payment on XX/XX/XXXX. My issue is that FedLoans has, on more than three occasions, inaccurately calculated the total number of qualifying payments that I've made. I contacted them on XX/XX/XXXX, with evidence of a full audit that FedLoans themselves completed in XXXX that accurately reflected the total number of qualifying payments I had made at that time. They have yet to adequately respond to my inquiries over the past year and I am now 10 months away from applying for PSLF and they still have an inaccurate total count of my qualifying payments.
Complaint sub-issue: Problem with fees

Im a costumer of Discover card for two years And just find out they are taking advantage of me over charging my account with late fees when I always pay my account on time. Am not being reported late to the credit Bureau but discover card always charge me a {$39.00} dollars fee every month and its illegal for them to do so when and not late and appear to be late in the credit department, I just find out they been doing this for more than a year so I need your Help.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX and XXXX  XXXX  XXXX  XXXX. I also like to dispute these fraudulent inquiries listed on my credit report. They are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX  and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Complaint sub-issue: Problem with balance transfer

On or about XX/XX/2018 I made a request to PNC Bank to refund an overpayment of {$8000.00} linked to my PNC credit card. As of XX/XX/2018 PNC has refused refund the {$8000.00}.
Complaint sub-issue: Don't want a card provided by your employer or the government

On XX/XX/2020 I received in the mail a US Bank Reliacard debit card. I did not apply for any type of card with US Bank. I attempted to contact US Bank through the number listed on the paperwork included with the card. I was placed on hold for an extended period of time. Since I was unable to get through to US Bank, I called the Consumer Financial Protection Bureau. I was told this was likely a scam where someone has used my information to file a fraudulent unemployment claim. I was instructed to contact my employer to inform them of the possible unemployment claim in my name, to contact my state unemployment office, to report that my ID may have been stolen to IdentityTheft.gov and to inform the 3 credit bureaus. I completed all of these steps on XX/XX/2020. As of today, XX/XX/XXXX, my employer has not seen any unemployment claims filed on my behalf. I have not received any response from the other entities.