Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

A new collection agency, XXXX XXXX, XXXX has begun reporting an old account that should be removed from our credit reports due to the statute of limitations having expired. this account is from an old mortgage that was opened in XX/XX/XXXX and was in default XX/XX/XXXX when we entered negotiations to attempt to get a mortgage modification. The last payment was in XX/XX/XXXX and the collection agency is reporting that a payment was made in XX/XX/XXXX. This is inaccurate since the modification was denied and our home was foreclosed and sold XX/XX/XXXX. After which we filed for XXXX XXXX bankruptcy and this account was listed, however, the creditor charged off the debt and did not file a proof of claim and surrendered their right to collect. I believe some one has falsified some of the dates and details in an attempt to illegally re-aged the account. No mention of this account has ever been reported on my credit reports until XX/XX/XXXX and no it has suddenly appeared as a current and active collection consequently damaging my credit.
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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received an offer in the mail from discover for a credit card that included an intro APR of 0 % for the first 6 months. After I applied, they said they would be able to offer me all of the same terms for the credit card, with the exception of the 0 % intro APR. I called Discover to find out why this happened, after transferring me to 3 different departments, they claim that a few issues with my credit is why they weren't able to approve my original offer. This does not make sense to me as every other term remained the same, even the credit line amount.
Complaint sub-issue: Other problem getting your report or credit score

I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.
Complaint sub-issue: Deposits and withdrawals

Sold a car that was paid by wire transfer... us bank wont release the funds although they are shown as available. The reason they claim is to protect me from fraud when there was no fraud. I have bills due and cant access my money. The funds have been posted for over a week! The branch manager cant tell me when I can have access to my money. This was a wire transfer from a verified buyer NOT a credit card ACH that can easily be reversed. The bank has no reason to do this. I do not need them to protect me from my mnoney! The funds have posted I should either be able to get my money or told when I can get the funds. They cant seem to tell me that and it is creating a hardship for me. Once they figure out there is no issue other than the one THEY created for me... I will be closing my US bank account! Additionally the buyer of the car has a car carrier comong to pick it up ... if the funds are locked ... I cant release the car. I get sued and in turn I have to sue US Bank. Additionally when I asked the branch manager for the district managers contact info she would not give it to me.
Complaint sub-issue: Information belongs to someone else

Hello The fraud I experienced involves involves my student loans with the U.S Department of Education and Fed Loan Servicing. In 2018 ( I was recovering from XXXX XXXX ) and I was contacted by an agency that said their name was " XXXX XXXX XXXX. '' They also went by the name " XXXX XXXX XXXX. '' I am a licensed social worker in MA and this agency informed me that I was allegeable for a public service or loan forgiveness program, as I worked and continue to work for a non-profit. They had me complete some paperwork and then told me I was accepted for loan forgiveness and instructed me to stop making loan payments. I later learned that I had been scammed. They took money from me and I missed 4 loan payments that are now on my credit report. I did submit a " Direct Credit Dispute Form '' with Fed Loan Servicing and provided evidence of the fraud. Fed Loan servicing agrees that I was scammed but stated that I must contact FTC to make a report. I did submit a report with FTC - but it says clearly that its just for reporting but can not solve the issue. The FTC voice mail instructed me to contact Consumer finance to submit a report and provide evidence of the fraud.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX/XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center. 

My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense. 

The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system. 

XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX. 

Why did Discover Bank contact the Director of Manpower? 
My wife is a civilian, so Why should Discover Bank contact DOD? 
Why did Discover Products Inc contact DOD? 
Why does Discover have regular approval for using the Manpower Database?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

have called Equifax multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Equifax is supposed to protect my information and has failed to do so. XXXX XXXX   has ran my credit multiple times and had no authorization to do so. Also I know my social security was part of the breach that happened.

XXXX XXXX :XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX Its pretty ridiculous that this is even happening.
Complaint sub-issue: Trouble with how payments are being handled

My ( now ex ) wife and I were cajoled into consolidating our federal education loans in XXXX. We had paid as agreed for many, many years, over {$110000.00} we have paid. We separated in XXXX and divorced in XXXX but continued payments for several years. Unfortunately, we had severe financial difficulties due to the divorce, I had to file bankruptcy, etc. Nonetheless, we paid until a deferral was granted. After a brief deferral we got into better shape financially and started back on income based payments. Dealing with AES/PHEA was ridiculous. They are the worst servicer on the planet. We had trouble since the XXXX consolidation and ever since. Nonetheless, after quite a bit of hard work, we got the income based payment plan set. I pay half and my ex-spouse pays half in separate payments. I have not had issues with my payments but after several months of not having payment issues my ex started having her payments rejected for no reason. These were auto paid through the bank. The bank stated they had no changes, no issues. AES, however, would never communicate. For months and after over 100 emails, letters, faxes, calls, no response. Then they closed the call center in early XXXX due to Covid so no more calls. After at least another 100 emails, faxes, writings, etc. We started getting generic, computer generated responses which did nothing. IN the meantime they sent at least 10 emails and 4 letters a month telling us we were late and gave us late charges. Long story short, after several months, just recently, they somewhat acknowledged the issue but did nothing in response. In the interim, we sent payments directly. We were fully caught up but still have the late charges and they still send notices although they stated we were not past due. NOW, they have pulled a completely different scam. If you have seen the email they sent out about Covid ( and if not I will send it to you ) you will see it says NOTHING about CARES Act, instead saying to " contact them if you have been affected '', which is nearly impossible. NOT ONE TIME do they state the CARES Act defers payment with no interest. My ex was contacted by them and told she needed to fill out a Forbearance for the CARES Act!!! Which she did before speaking to me. So NOW our loan shows as being in forbearance which is completely false as it is suspended under the CARES Act. Not only that, BUT THEY ARE CAPITALIZING INTEREST! They are doing that because it is coded as a FORBEARANCE. This servicer is, has been and always will be a fraud, a scam a stain on the US Dept of Ed, I can not understand for the life of me, after all they have done wrong over the last 20 years why the US Dept of Ed lets them service their loans. And people like us are just ignored as they go about their fraud. WE NEED ASSISTANCE!!
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 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Funds not handled or disbursed as instructed

I received a government ppp assisted loan approved by SBA. US bank received the funds from lender. The funds were made available by the ach department and available foe use I. My account all day. I went to the bank so that I could get a money order to pay Office rent. The branch teller required information about the loans which I gave. The teller placed a hold on the funds and put my account in the negative. Told me ach department had to verify the funds when in fact the ach department is the one who released the funds. I called customer service they were unsure why the hold was placed at the branch level but made available by the ach department. This practice of holding ach loans isnt listed in their fee schedule nor listed in the account. My loan was processed and approved by the sba government entity. I have payroll and office rent to finally pay but the bank wants to control the money. Us bank removed the funds from my account and I do not have access to the funds. They placed a 7 day hold which no one could explain why and was told to come back another day.
Complaint sub-issue: Information belongs to someone else

I have file numerous dispute with reporting agency XXXX about this fraud account that does not belong to me that last dispute was file in XX/XX/XXXX i also files in XX/XX/XXXX i filed and sent documents as they requested the account has not been removed i filed the FTC report they removed all the other account and inquires but not the KIKOFF LENDING LLC account
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent a letter to all equifax, XXXX and XXXX about the XXXX XXXX XXXX credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.
Complaint sub-issue: Account information incorrect

Hello, When I paid my XXXX 's account balance I believed I was paying it in full. Somehow {$2.00} worth of interest reported late. This late payment for {$2.00} of interest that was not shown when I made my payment dropped my credit score over 100 points. I am currently trying to get a new car and this is effecting my interest rate. Can you all please have this removed from my report? 

Account Number : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?
Complaint sub-issue: Problem accessing account

I cant link my pnc account to XXXX. Because pnc Is blocking it. Not cool
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Unauthrized Inquiry on my Credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted company and I have unauthorized inquires from companies Inquires are-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 listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Complaint sub-issue: Billing problem

So for the past XXXX years I have been paying on an auto loan ( for the purchase of my camper ) to XXXX XXXX. At the beginning, I was paying more than what was required on the bill. After some time my bill started showing {$0.00} due but I was still paying. Now XXXX years later, they say I am almost {$2500.00} behind. Come to find out that all those times I was paying extra they were applying directly to interest instead of both interest and principal. With the loan range and interest rate after XXXX years the interest is basically paid for but on my credit report they have reported I have not paid anything in over a year which is hurting my credit. I have all the records to show from them as well as on my side that I have been paying the set amount or more each month but they are not reporting that this has been paid. They are reporting I am only paying interest. My loan agreement does not say anything about any penalty or interest payment if you make more than the regular payment. Based on calculations they are incorrect on it all and I should be ahead by several months. This needs to be fixed immediately. I have spoken to them about fixing this issue as they keep calling wanting payment, when I have been paying. It clearly shows on the report they sent that I have been paying but they keep saying I haven't. You can not take someone's payment and put directly to interest and never pay down the principal. I need this fixed along with my credit immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX reported my collateral loan # XXXX XXXX day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Nine charges to my credit card are fraudulent. The company ( Citibank ) has not removed them, and meanwhile has billed me, with interest. The charges are being " investigated, '' but whether that's true or not, I have no idea. I've talked to their customer service, but that's worthless. I have not been in California in three decades, the card has always been in my possession, and no one else is authorized to use it. Card is locked presently, and the account will probably be closed by me when this is resolved. 

The charges : XX/XX/XXXX XXXX XXXX  XXXX CA {$10.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$30.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$95.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$27.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$31.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$62.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$80.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$46.00}
Complaint sub-issue: Account status incorrect

In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed . Reg. 69776 ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Citi Bank approved a Flex loan for me via my AT & T Universal Credit Card issued by Citi. The funds were approved and wired to my bank XXXX, but to a wrong account which Citi failed to disclose to my bank or myself in XX/XX/XXXX. 

After many telephone calls, conference calls and requests by XXXX and myself to Citi personnel, the funds were located and transmitted to my account on XX/XX/XXXX. I was told by Citi on XXXX XXXX that the payments due for XX/XX/XXXX and XX/XX/XXXX would not be posted as late and there would be no negative reporting to my credit report. On XX/XX/XXXX XXXX  alerted me to a XXXX point drop of my credit. From XXXX to XXXX. I immediately called Citi who assured me this would not happen and of course they danced and gave excuses. 

I have escalated this to the CEO of Citi with no response. It has been recently reported Citi has sent money to wrong account as a result of bad IT systems. It is reported this week they sent {$900.00} XXXX in error to wrong accounts forcing their CEO to retire early.