Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Sallie Mae representatives, despite me being current on my loan, have been harassing my mother, her boyfriend, her boyfriend 's parents, and his brother 's in-laws, regarding my status and personal information. Completely unacceptable as I do not even have contact with these people and the latter I never even met. They ask about my personal information, They constantly call all hours of the day, including their at place of employment where they requested that stop.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I authorized XXXX  XXXX to pull my credit in the process of applying for a personal loan. During this process XXXX experienced some sort of internal error that they were unwilling to disclose to me. At some point in this process without my authorization on XX/XX/2022 they initiated a second hard inquiry that I did not give them permission to use. As they had already done a hard inquiry on the XXXX. After nearly a month on XX/XX/XXXX they sent me a letter denying my loan because they were unable to verify credit information. I tried to go through their corporate division and was told that there was no second hard inquiry on my credit and that everything that they did was correct even though clearly it is not. I tried to dispute this through Equifax and they also said that this inquiry was correct and it is not.
Complaint sub-issue: Information belongs to someone else

There are two accounts ( XXXX credit card and XXXX loan ) on my Equifax credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and an Identity Theft cover letter. Equifax deleted the information from my credit report and then reinserted it without a notification or any documentation from XXXX. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.
Complaint sub-issue: Attempted to collect wrong amount

My lease with XXXX XXXX XXXX XXXX was up on XX/XX/XXXX. The current company that has taken over the complex stated in the debt collection summary that they are charging me for insufficient notice in the amount of {$1800.00}, I gave notice three months ahead of time stating that I was not renewing my lease, it was given to the previous residential property in which I have proof of. Also I am being charged for the month of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) water sewer ( {$55.00} ), month to month ( {$70.00} ), residential rent ( {$320.00} ), two trash charges ( {$7.00}, {$8.00} ), exterminating on XX/XX/XXXX ( {$5.00} ) and XX/XX/XXXX ( {$6.00} ) and another charge for water sewer ( {$68.00} ). I have proof I left on XX/XX/XXXX to stay at a hotel, I also have a letter notarized by my best friend mother who I stayed with until I moved into my current townhome on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Complaint sub-issue: Their investigation did not fix an error on your report

On X/X/17 I disputed an account that is reporting as a collection with Equifax for XXXX XXXX XXXX. The account came as verified and updated but had they verified the account the few times I have tried to dispute they would have seen that XXXX XXXX XXXX owes me {$100.00} for a deposit they kept of mine. That I now have to go through the treasurer of my state to collect. I am requesting that the negative listing be removed from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have an account which I previously disputed and I got no response on the issue it is marked not paid and or charged off which is not true see letter attached
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 and on XX/XX/2020 disputes were filed with Equifax regarding mistaken identity ( name ), and incorrect linkage to accounts. Some of the accounts not in good standing. 

I was able to contact both of the suspect lenders and they confirmed that I am not the individual they had reported to the credit agency. The lenders confirmed that the SSN and name are not a match. From one lender I have a letter indicating that I have no current or prior obligations with them. 

Several days later I received information from Equifax indicating my disputes were closed however they failed to perform a systemic review of the credit report leaving inaccuracies behind. Now they ask that I go back and generate new disputes. 

The Equifax system when login indicates that I have to call back as additional information is needed. I tried calling for days and was only able to speak with someone only on XXXX XXXX with no success regarding how to address the root cause. 

Because this mistaken identity has not appeared on the other credit reporting agencies and given the confirmation by one of the lenders I have reasons to believe that this is an internal issue of Equifax. 
This is causing tremendous stress and waste of time on my end and I am asking for investigation. 

The Equifax dispute numbers are : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX I retrieved a copy of my credit report and discovered multiple inquiries that I have no knowledge off. I had called equifax to file a dispute for unauthorized inquires on my credit report. Equifax told me that they're factual and they will remain for 2 years. I told equifax I didn't apply and then I asked can you please investigate this matter.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Collected or attempted to collect exempt funds

COMPANY CONTINUE TO HARRASMENT DISABLE VETERAN FOR ID FRAUD ACCOUNT NOT MINES AND NEVER HAD ANY " XXXX '' XXXX ACCOUNT, POLICE REPORT FILE, FRAUD AFFIDAVIT FILED VIA MY ATTORNEY WITH " XXXX AND FTC '', COMPANY REFUSE TO REPLY BACK TO " XXXX  '' ON ABOUT XX/XX/2020, DISPUTE VALIDATION OF DEBT AND NEVER SIGNED ANY APPLICATION FOR CREDIT CARD ... ..NOTE : VETERAN IS 100 % XXXX  AND LEGALLY XXXX ... .VETERANS ON SOCIAL SECUIRTY/ VA PENSION ARE EXEMPT FROM JUDGEMENT OF PENSION DISABLITY INCOME GARNISHMENT
Complaint sub-issue: Account information incorrect

On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX at XXXX, XXXX at Equifax, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.
Complaint sub-issue: Their investigation did not fix an error on your report

The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, Equifax, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) Equifax is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA XXXX XXXX not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.
Complaint sub-issue: Problem with fees

XX/XX/2020 purchased tires at NTB and opened an account which was from Citi. 
I never received a card or statement from Citi, so I called on XX/XX/2020 and spoke with collections knowing that I probably needed to make a payment. I told the Citi collections reps about the fact that I never got a card or statement. They said it had the store location as my address which was wrong. i gave them the correct address and said I needed to get the card that was sent to the store cancelled because I have no idea who or where it is. Citi collections ( twice ) told me I have to call customer service to have this done. I have called three times and been on hold 40 minutes, 28 minutes and 28 minutes. I have also complained on their XXXX page and sent them a PM. It seems a lot of people are experiencing this with Citi bank.

1. I need to get the missing card cancelled asap.

2. I need to get a new card and billing statement to check my balances etc. and be able to set up an online account.

3. Citi is not helping or communicating with customers. Only the collections dept. answers the phone. 

What can I do???? 

XXXX XXXX
Complaint sub-issue: Account status

Equifax refuses to acknowledge a letter I submitting stating this is not my account. The Account is over 7 years old and they are violating the FCRA Credit Laws by continuing to report the account
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX, XXXX, and Equifax about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
Complaint sub-issue: Problem getting my free annual report

I see 8 hard pulls on my credit account there 's a mistake I only authorized soft pulls to check that an error was corrected on my account please remove all theese hard pulls theese were for my personal record
Complaint sub-issue: Application denied

In XXXX I applied for credit cards that credit karma said I was already approved for than got denied for and it shows on my credit report. It show up on my credit report XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Along with a copy of the Identity Theft Report, I have also enclosed copies of my Drivers License, Social Security Card, and Utility Bill for your reference. 
The law clearly states your Civil Liability under FCRA Section 616 & Section 617 in case you fail to comply with the Federal Law. Moreover, I intend to enforce my rights under the FCRA and to pursue rightful litigation in this matter should you fail to comply.
Complaint sub-issue: Non-sufficient funds and associated fees

Hi, I have been with BB & T Bank for many years now and even before when it was XXXX  XXXX. 
I was a victim of FRAUD AND IDENTIFY THEFT. BB & T did NOT do anything about that. They stated that they were going to Internally Investigate it and contact me. They Never did. As a result of this FRAUD AND IDENTIFY THEFT ; I wasn't able to keep track of my Account History. I had to open and close two different checking Accounts. I have called the BB & T Executive Offices contact Number several times. I have also called their XXXX - XXXX number And Office Manager several times and They still continue to LIE to me, give me excuses, Ignore me, NEGLECT And Mis-Treat me. I have been extremely Patient up until NOW. About a Month ago I asked And Requested their Assistance This has been to NO AVAIL. They Need to Credit my Account. Send me a Detailed Account History for the last 24 months ( Office which they Assured me of ). And Regular Mailed me Broshures of the different types of Checking and Savings Accounts that they have where there is No fee charges if I don't have Direct Deposit. I can NOT account For much money in which I had in my checking Account. - Please have BB & T RESOLVED these Issues / Matters A.S.A.P. - Thank You
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Complaint sub-issue: Attempted to collect wrong amount

Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
Complaint sub-issue: Frequent or repeated calls

Conn 's HomePlus store is trying to colectivo a debt or late payment of a installment loan. They call about 6 to 7 times a day. First call is always at XXXX. They are really bothering my home with so many calls. I told them to stop harassingme and my home with so many calls. Can you help?
Complaint sub-issue: Company closed your account

On the XXXX of XX/XX/2022, I had a call from Costco CITI Credit Card Customer Service harassing me and my wife that they are closing our personal business bank and switched us to our Business Name to one account. My wife and I had two CITI Costco Credit Cards with my name and her name, and we have been using the business cards to purchase items for our business for years. Unfortunately, My wife was next to me when I explained to the customer service representative for Costco CITI Credit Card Customer Service that our account is closed due to non-payments, and I tried to explain to them why it is closed when they are taking out money from our bank accounts! The customer service representatives for Costco CITI were very persecution and unprofessional verbally harassing us for payments over the phone when we tried to explain to the customer service representative that why they closed out our personal business account, took our names off the credit card and instead they out our business name in one card. Unfortunately, the customer service was verbally ill-mannered and disregard my questions and demand my wife and I to pay up front and told both of us that we no longer have our names in our business card but our business name instead. I tried to explain that why didnt they follow up on us for months when we tried to explain to the customer service that they take out money out of our bank account for months and now they told us they are closing our account for no reason. I immediately filed a complaint through the Federal trade Commission, The XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau to investigate that they are doing us wrong as business owners here in XXXX Ak. I am a XXXX XXXX Veteran with a XXXX XXXX that my wife and I hold ; and a Business Owner that my wife and I hold our position running a business for 7 years. Also, a landlord that we own a couple of properties to have our tenants rent our properties. I am also a XXXX XXXX XXXX under the XXXX XXXX XXXX XXXX. We believe that we have been harassed by Costco CITI customer service and they should retrain their customer service skills and the CITI Credit Card Service should be investigated for doing us wrong.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXt Account # XXXX Account name : XXXX XXXX  Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Complaint sub-issue: Reinserted previously deleted info

Company has hidden interest charges and charging too high of an interest rates on my account stating that there was a special promotion, but at the time of purchase on eye wear there was no mention of it being a special promotion. Sales person said that if you use our coupon you would get more of a discount off your purchase. ( Sears )
Complaint sub-issue: Old information reappears or never goes away

I don't recognize this account, i see that it's {$0.00} balance. Please remove it, i don't know anything about this account.
Complaint sub-issue: Reporting company used your report improperly

i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

I own a Savings accounts with the Discover Bank. In the past two weeks, my account was locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time I would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, I request that CFPB to urge the Discover Bank to take immediate action in resolving the issue.
Complaint sub-issue: Account information incorrect

Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate
Complaint sub-issue: Debt is not yours

Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX   account.