Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

They have repeatedly have called my work and now have called my teenage kids and have scared them tremendously. They have called every day for the last XXXX months and as of XXXX/XXXX/XXXX called my kids.
Complaint sub-issue: Didn't receive enough information to verify debt

Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a XXXX XXXX. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 XXXX XXXX XXXX 4 ACCOUNTS FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND XXXX I WAS UNABLE TO GET EQUIFAX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was given a giftcard ( XXXX ) before I could open it ( XX/XX/XXXX I opened it ) the funds were used by someone in a different state. After 4 hours I finally got someone that filed a dispute for me on card ID # XXXX which they concluded was an error and stated they were refunding me the missing amount on {$99.00} ( {$1.00} was left on the card ). Dispute claim # XXXX. The card was canceled when I originally filed the dispute. It was not refunded back to that card, I haven't received a new card and I spent 3 hours on with customer service whom said they couldn't help me because they couldn't verify the original card #, the dispute claim number or the card id #. They have {$100.00} of my money that they need to make available to me.
Complaint sub-issue: Reporting company used your report improperly

This message is in regards to the recent Equifax data breach. According their website, I am a victim in the data breach. It is unfortunate that I never had a choice in whether or not Equifax retained information on me. However, they held extremely sensitive data on me and are completely responsible for its safe-guarding. Equifax has completely failed in this respect on a massive scale. They should be held fully responsible for fixing the situation. The fact the they are offering 12 month free credit monitoring if you sign up with them and waive your right to a class action lawsuit is an absolute slap in the face. Credit monitoring should be free in perpetuity unless new social security numbers are provided. I urge you to please take this very seriously and make an example out of them. Millions of people 's financial security is now at risk. Thank you incredibly for your time. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus XXXX, Equifax and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.
Complaint sub-issue: Reporting company used your report improperly

This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.
Complaint sub-issue: Problem with statement of dispute

I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.
Complaint sub-issue: Banking errors

I opened a Citi Priority Account in XX/XX/2019 after seeing an advertisement that stated a {$700.00} bonus if you opened a savings account along with a checking account in the amount of {$50000.00} and left it in the account for the duration of the promotion. I spoke with a bank representative named XXXX at the XXXX Calif. branch and he assured me that the promotion was in fact as specified in the advertisement. After meeting the qualifications for the {$700.00} bonus Citi credited my account only {$600.00}. I tried reaching out to XXXX at the branch to see why I only received {$600.00} instead of the {$700.00} that was what we had discussed when opening the account but he would not return my call. I reached out to other representatives at other branches who said they would help but never heard back from them. At no time did I receive or even seen an advertisement that stated a Citi Priority bonus of {$600.00} instead of {$700.00}. I am still seeing and have a picture on my phone that states a Priority account bonus of {$700.00}. Where did my {$100.00} go?
Complaint sub-issue: Problem accessing account

I have been locked out from online access and my debit card is restricted. The only way they can remove it is by texting a number in my name. I have a XXXX phone in my name. Not prepaid. Every time I call to resolve the issue the rep says the number isn't good AND CALL back with a phone in my name. The phone Is in my name. I asked how do they verify and they said public records.I then searched the number on XXXX and like expected it came back to my name address and dob.I also did the same in the XXXX listing. It has been 4 plus months that I have been denied access to my money in my account. A rep advised me to go to a branch and they could help but unfortunately there are no branches within 4 hours of me. My last resort was mailing my XXXX phone bill and screenshots of the public record showing the number is associated to me. I haven't heard anything .Citi has had my money on lock for months. There internal system is flawed with verification because the phone I have is not a voip its a cell phone with XXXX that has a monthly plan in my name.
Complaint sub-issue: Card opened as result of identity theft or fraud

My sister, XXXX XXXX has opened credit card accounts using my name and social security number. This has been occurring since XXXX. I just noticed these accounts on XX/XX/XXXX. I am currently trying to close and report the fraudulent accounts. They are credit cards through Citibank, CBNA. One Citicard account was opened XX/XX/XXXX and one was opened XX/XX/XXXX. Another account I would like to report is a XXXX credit card from XXXX bank which was opened XX/XX/XXXX. None of these accounts were opened by myself, as I only have one XXXX credit card account and one XXXX XXXX debit card and saving 's account. 
Current balances on the fraudulent accounts are as follows : Citibank XX/XX/XXXX : {$2400.00} Citibank XX/XX/XXXX : {$1200.00} XXXX XX/XX/XXXX : {$400.00}
Complaint sub-issue: Account status incorrect

I have mortgage account with XXXX XXXX ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked XXXX bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that XXXX bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
Complaint sub-issue: Public record

In recently checking my personal credit reports with the credit reporting companies, there is Public Record derogatory that I am challenging as inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. In my case, the action concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction and therefore not fully satisfied. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's objectives and I am requesting that the CFPB advocate for me in this challenge.
Complaint sub-issue: Reporting company used your report improperly

I purchased a camper and XXXX XXXX assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or XXXX late payment.
Complaint sub-issue: Account information incorrect

Account states it is in collections. By default it is considered past due. The FDCPA states if an account is in collections there should be NO amount listed as past due only a balance. So why is there a past due balance of {$810.00}. 

This account has failed to provide the necessary documentation to validate this debt. I also requested a copy of a HIPPA release form & they can not provide one. 

I deemed this debt to be unverifiable. 

This is affecting my credit score and hindering me from obtaining new credit.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX XXXX send a collection in to XXXX XXXX XXXX to collect. XXXX filed a report against me. The person who was treaded at XXXX has a different date of birth and address. I did n't know about this until a local bank called and asked if I want to refinance my truck. Then about a week later I received letter from the bank saying the loan was turned down because of the report from Equifax. That 's when I found out about it all. I spoke with XXXX and they said that they were wrong and they closed the account and would not give me any information about it. I called them again and was told the same thing ( closed and no information ). I may a lot of calls to XXXX and found only one person that would help and she said that they had made a mistake and it would be corrected in about 30 - 60 days. Three weeks later I just received another bill from XXXX trying to collect with the incorrect address that is close to mine. I have e-mails from the one person at the local XXXX office where she emailed the person from the billing part and she could not believe it had not been taken care of and that they had billed me again. The person a the billing office was suppose to call me but had never taken the time.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}
Complaint sub-issue: Attempted to collect wrong amount

ok.. @ nelnet has been sending me the same letters over a XXXX student loan that amounts to like {$4000.00} tht ive lived in poverty most of my life and could not repay so now this {$4000.00} loan from XXXX has ballooned to {$40000.00} they claim in repetitive letters.. and then they say i can have this discharged by sending letters of disaability ( which i have sent proof ) every time im on ssdi and have been for over 25 years living on {$790.00} a month.. when i send it then they say i have to have a doctors proof as well.! they wont stopp harrassing me! letter after letter.. last one was sent on XX/XX/XXXX, XXXX they keep saying wage garnishment may take pplace! i need help with this it is ridiculous..it was a XXXX XXXX SUBSIDIZED LOAN XX/XX/XXXX XX/XX/XXXX THEY JUST WONT STOP IT IS XXXX! AND THEY KKEEP ON NO MATTER HOW MUCH PROOF SEND THEM
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Debt was result of identity theft

Discover Bank sent me a letter dated XX/XX/20 indicating they had received my dispute and was investigating and would inform me of their findings subsequent to investigation. They informed me they had informed XXXX XXXX of dispute. 

XXXX XXXX informed me they were told on XX/XX/20 that disputed account was correct. Dispute was closed. 

I have no idea if the investigation is closed ; I have not been notified of their findings if it is. Hoping CFPB will contact Discover to see if investigation is closed. Have asked Discover but receive no response.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

A few years ago I paid this debt with the promise that it would be removed from my credit reports. It still has not been removed. 

I recently sent a debt validation to this company and I never received a response validating the debt.
Complaint sub-issue: Information is incorrect

XXXX is reporting an accident on XX/XX/2017 that I am not responsible for and was ruled in court that I am not responsible and was thrown out. I want this removed.
Complaint sub-issue: Banking errors

I opened a checking and saving accounts around XX/XX/2018 with Citi bank under the promotion of {$400.00} bonus with $ XXXX deposit for 2 months. I met all the requirements and confirmed by one of the representative on the online chat and confirmed that I should get the bonus by XX/XX/2018. The bonus was not posted as promised and filed a dispute. The case came back with reason that the saving account was closed which I did NOT initiate the closure of this saving account. And also at the time of the promotion in XX/XX/2018, there was no such a language that both checking and saving accounts need to be opened for the bonus to be posted. It seems like Citi has the  agenda of finding all kind of accuses NOT to pay the bonus while keeping customer 's $ XXXX for 2 months.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX  Account Number : XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On Equifax the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
Complaint sub-issue: Debt is not mine

I have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A company of helping to buying homes ran my credit by error when they put my information instead of someone elses information. This happened on XX/XX/2019. I called them to find out what happens to why I had my credit score checked and they said they had done it by accident. I told them I wanted my credit check to be removed. It is still there.
Complaint sub-issue: Received bad information about your loan

Dear CFPB : I am officially filing a complaint against the FedLoan Servicer. Please see attached document for details regarding my inquiry and concern related to Public Service Loan Forgiveness ( PSLF ) Program. 

I've clearly demonstrated that I have fully met the PSLF criteria : 1. I have over 10 years of qualifying public work experience, and 2. I have made over 160 qualifying loan payments between XX/XX/XXXX through XX/XX/XXXX. 

Fedloan seems to have miscalculated my years of public service. My former employer, XXXXy XXXX XXXX of XXXX XXXX, Department XXXX XXXX XXXX, attested that I was employed from XX/XX/XXXX through XX/XX/XXXX, which brings my years of public service to over 11 years. 

Since PSLF began in XX/XX/XXXX. I counted my qualifying years of service from XX/XX/XXXX through XX/XX/XXXX, which comes to 10 years and 7 months. I have been making loan payments since XX/XX/XXXX. To date, I have made over 160 qualifying loan payments. 

As you can see, I have fully met my obligations under the PSLF. FedLoan keeps messing up. Therefore, I am reaching out to CFPB to intervene on my behalf at this point and hold FedLoan accountable.
Complaint sub-issue: Company closed your account

As a long time customer with Discover since XX/XX/XXXX, my account was closed on XX/XX/XXXX. I was told the reason was due to multiple lost/stolen credit cards, but I haven't requested one in a long time. This just seems like a made up excuse to refuse payment on the rewards I have accumulated.