Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

The XXXX XXXX XXXX, ( PHEAA ), who use to be my loan servicer for my daughter 's parent or/ & direct plus loan, ( which is my name ), has ordered or hmade my new loan servicer, XXXX XXXX to add the direct plus loans from XXXX XXXX  XXXX XXXX XXXX XXXX added in with the other loans I had consolidated. Problem is that I requested in writing for this not to be done to the XXXX XXXX as well as XXXX XXXX. XXXX XXXX stated via phone conversation that they aren't allow to go against the XXXX   XXXX XXXX  ; however, the XXXX XXXX XXXX  keeps locking me out of my login account with them. This is making it so I am unable to sign in to send them a letter, asking why are they having loans that are in dispute & under investigation, consolidated? 
According to the written instructions even of the " borrower defense refund cancellation form '' dept, they have up to one yea to do an investigation on any case they take Then they any loan amounts in dispute, must be put on freeze! I already contacted the XXXX XXXX XXXX. about this already. Why did they still do anyway .... Oh, sreset my login infor. uso I can request & order for new login ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Public record information inaccurate

XXXX is reporting inaccurate and unverifiable public record information about me on XXXX XXXXXXXX consumer credit report and file. These unverifiable bankruptcies are listed on my XXXX consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for XXXX to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX is violating my federally protected consumer rights. In addition to that violation XXXX is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day XXXX RECEIVES this demand. Should XXXX choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I pulled up my credit report and found this item on my report. I have never been contacted by this creditor and my 30 days to dispute this charge has lapsed bc I was not made aware of this charge. I do not know what this charge is for and would like to have the creditor to provide me with proof of the debt in writing.
Complaint sub-issue: Overcharged for something you did purchase with the card

My wife and I purchased a dishwasher in-store and it was to be delivered in 7-10 days. About a week later, Sears called and said the dishwasher that I ordered was not in stock. They said they were going to cancel the order unless I wanted to wait 3-4 weeks for it to be ordered and shipped to the store. I needed it ASAP so they canceled the order and refunded me the money of the dishwasher and delivery fee 100 %. 

However, they charged me a {$140.00} restocking fee. They did not have the product in-stock to be able to restock it. I really wanted the dishwasher, which is why I bought it, but they ultimately did not have it. 

Also, they had me sign-up for the Sears Shop Your Way Mastercard to get a discount. So I did. After they refunded me the money, I received a credit card statement with the {$140.00} charge. I disputed that with Mastercard. A couple of months later I found out that they sided with Sears on the restocking fee. No notification had been sent to be, it was only when I contacted Mastercard again. So I opened another case. 

I had a XXXX credit score, but due to a missed payment ( my only one ever ) for this purchase with Mastercard, my score dropped 110 points for something that I am not responsible for. 

They then said to call Sears, which I have probably done 50 times and they just keep passing me off. Then they said to go into the store which I purchased, which was closed for 3 months due to the pandemic. When they finally opened, they had no information on my order. 

My wife finally spoke to someone on the phone that was able to find my order information and original receipt and they said that I signed saying that there would be a restocking fee if canceled. 

Again ... .I DID NOT cancel. Sears canceled because they could not produce the dishwasher that I had purchased in the store.
Complaint sub-issue: Account status incorrect

This debt has been paid in full since XXXX  2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Complaint sub-issue: Was not notified of investigation status or results

I was not notified of adverse action with company to have a chance to dispute the information. So I could get the job. This companies agents are rude. The never sent any information from XXXX to dispute the information.,
Complaint sub-issue: Problem accessing account

Discover bank took our initial deposit, upon trying to make a withdrawal their security team locked our account. 

They provide a phone number to call, but no one answers. We have made dozens of calls, waiting up to 3 hours on hold. No one ever answers. 

At the 3 hour and 5 minute mark the call is disconnected. There is no other way to access your account, unlock it, or have access to the funds. 

This has been going on for weeks.
Complaint sub-issue: Other problem getting your report or credit score

I have had the account with Equifax since XX/XX/XXXX after placing a Fraud and Freeze alert on the my account. I had my identity stolen. 
As I had done with the other reporting agencies ( XXXX  and XXXX ) Ever since Equifax had the breach in XXXX I have not been able to access my online account. I have spoken with them several times over the past 3 years and they were suppose to have resolved whatever the problem was or is. Today, the same thing happened after speaking with their customer service agent. Same conversation, same resolution ( none ). On XX/XX/XXXX I spoke with them, they was suppose to escalate the issue to their supervisor to correct the error ( which they couldn't tell me the error ). So to date, that obviously wasn't done. No other credit reporting is having this problem with my access.
Complaint sub-issue: Trouble getting information about the card

i have made numerous ( over 50 ) attempts to contact Comerica Bank who runs the Direct Express CARD FOR DEPOSIT OF GOVERNMENT FUNDS to get a replacement card for the one i lost. I REPORTED IT LOST THE LAST WEEK OF XXXX, 2021 THROUGH AN AUTOMATED SYSTEM WHICH CARD I REQUESTED BE SENT VIA EXPEDITED MAIL. ONLY TO FIND OUT BY AUTOMATED VOICE THAT IT SAYS IT WAS MAILED WHICH THEY SAID TAKES 10 DAYS. I PAID FOR AN EXPIEDITED CARD. THERE ARE HUNDREDS OF COMPLAINTS ABOUT DIRECT EXPRESS. YOU CAN NEVER SPEAK TO A LIVE PERSON. I HAVE NO IDEA WHAT HAPPENED TO MY BALANCE WHEN I REPORTED IT LOST. I AM ALSO DUE FOR MY BENEFITS ON XX/XX/XXXX AND NO CARD TO PAY BILLS. I AM AFRAID MY CAR WILL BE REPOSSED AND I WILL BE OUT ON THE STREET. I AM ON XXXX AND HOPE YOU CAN HELP ME.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to  have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

An very obviously fraudulent charge was placed on my gift card. I started a claim but they seem to deliberately slow things down hoping I just give up Got a {$500.00} gift card ( number is XXXX XXXX XXXX XXXX ) which magnetic strip was compromised. Called them to let them know and ask for a replacement card. Received replacement card ( number is XXXX XXXX XXXX XXXX ) tried to use it, magnetic stripe worked but transaction got declined. Called in and was told that my card XXXX was used in-store for a {$490.00} charge at a XXXX XXXX  that I have never been to. 
Charge is very obviously fraudulent and the blame is on gift card provider since card XXXX was supposed to be disabled at the time of the fraudulent transaction at XXXX XXXX, since transaction " happened '' after I called to let them know about the defective magnetic stripe. Charge was not even possible anyways since as mentioned magnetic stripe was not working. 

Since then, I have complied with all requests from cardholder services but they are not taking care of this issue and obviously try to slow things down waiting for me to give up. 

Extra Detailed Info Date of last interaction with business : XX/XX/XXXX
Complaint sub-issue: Confusing or misleading advertising or marketing

I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied. 
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a credit dispute letter by certified mail on XX/XX/2021 to Equifax asking to verify the debts on my credit report. I have received no response verifying that the debt was accurate or legit. I am now mailing a demand to comply letter stating my rights and that the debt should now be removed. 

I am still waiting for a response from Equifax.
Complaint sub-issue: Public record information inaccurate

I applied for a job with XXXX as a driver, they requested a background check ( I of course accepted them asking to request one ). They requested a background check from Checkr IncXXXX and on the background it stated that I had TWO XXXX!!! The XXXX less than XXXX on XX/XX/2016 is CORRECT. However, the XXXX XXXX XXXX XXXX XX/XX/2016 is INCORRECT! I wasnt even pulled over for anything on this date let alone charged for another XXXX!! This will definitely effect if I get this up or not. PLEASE FIX THIS!
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Information belongs to someone else

A collection account that says it was opened : XX/XX/2017 - XX/XX/XXXX - original creditor name : XX/XX/XXXX {$5000.00} This account was not opened by me in 2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.
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 {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
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 ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.
Complaint sub-issue: You never received your bill or did not know a payment was due

Hello, I opened a Visa Credit Card in one XXXX XXXX XXXX on XX/XX/XXXX with a temporary account number. The permanent account number and credit line should be sent to me with my card afterwards. 

However, I never received anything regarding this credit card until I received a call from a collection company ( FMS, INC ) recently. During the call, I found out that the mail address they had was wrong ( missing the XXXX XXXX " XXXX '' ). That's the reason why I have never received any documents from this credit card account ( issued by XXXX XXXX ), neither the physical visa card. I have copies of all receipts with wrong mail address, which have been resent to me by FMS. I will upload one month as example, but can provide all, if needed. 

As of XX/XX/XXXX, the total balance due is {$190.00} ( with initial balance {$38.00} in XX/XX/XXXX ). Additionally, my credit score has been impacted significantly. 

I have contacted FMS and XXXX XXXX to dispute the interests charged on this account and to get my financial score corrected on the credit report. Highly appreciated for your help!
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

This company is attempting to collect a debt that is not owed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.