Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, equifax and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER  stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

We owed a debt with the company Pro Collect. We paid the settlement amount however after 90 days they have yet to accurately report to the 3 credit bureaus as promised.
Complaint sub-issue: Account status

I purchased furniture from     XXXX   XXXX   t  hrough a company called  XXXX  Now. I 've never been late on this account ever I was having financial hardship. I called the store spoke with the  XXXX  she said if I returned the merchandise I 'll be fine. I took the necessary steps I also asked her was this going to affect my credit she insured me that it would n't. I checked my credit report I was reported late in  XXXX  and  XXXX ? I disputed this item with credit bureaus also sending in the receipt from the company with the date the merchandise was picked up. This merchandise was picked up in the beginning of  XXXX  so how I was late for  XXXX  and   XXXX   and the account was closed in  XXXX ? I 'm asking the bureaus remove this negative information off my report
Complaint sub-issue: Information belongs to someone else

I live in XXXX and a rental property collection has appeared on my credit report. 

This information is completely false and does not belong on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga
Complaint sub-issue: Information belongs to someone else

Erroneous Direct Violation Of The FCRA Professional Debt For months now Ive been disputing these items im getting so angry please please remove these from my credit report these are fraudulent i file a police report and ftc report Equifax WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 

XXXX XXXX XXXX Opened XXXX {$310.00} XXXX XXXX XXXX Opened XXXX {$310.00} XXXX  Opened XXXX {$320.00}
Complaint sub-issue: Information belongs to someone else

I am a victim of ID theft and would like the CRA 's remove the inaccurate information from my credit report
Complaint sub-issue: Funds not received from closed account

This relates to a previous complaint : XXXX. I have waited over 6 weeks and the funds have not been received by my new HSA provider. I have waited long enough. To make matters worst the HSA provider has started to fee the account again.
Complaint sub-issue: Debt is not yours

I was called by an agent of Jefferson Capital Systems , LLC, who stated that they were attempting to collect a debt to XXXX in the amount of {$98.00} and change.. 

I checked my XXXX records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Debt is not yours

On XX/XX/2020, I mailed out dispute letters to XXXX, XXXX, & Equifax concerning inaccurate information on my credit report and I have not received a response at all.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681-2 ( A1 ) 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: Information belongs to someone else

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

My Discover It was issued with a very small credit line of {$1500.00} compared to my regular Discover Card with a $ XXXX.I have a excellent credit rating and a FICO score above 820.The Discover It was received with a promotion to double the accrued points ( miles ) on the anniversary date.I received this card on XX/XX/2018 and have been limited by the very low credit line.I tried to make a payment today of {$1500.00} but was denied because the payment went over by $ 33.00.Discover is keeping my credit line low to discourage me from any spending with this card.
Complaint sub-issue: Information belongs to someone else

I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXXXXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$420.00}
Complaint sub-issue: Can't temporarily postpone payments

1. Nelnet is billing me, after only 90 days from graduation, for the old student loans. 
2. Nelnet is not allowing me to have a deferment. 
3. Nelnet is billing me for {$10000.00} more than expected on my total amount due.
Complaint sub-issue: Public record information inaccurate

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Complaint sub-issue: Frequent or repeated calls

I get calls ev eryday 6 or more tim es a day they start at  XXXX  until  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX  XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Late Payment XXXX XXXX # XXXX XXXX Category XXXX  # XXXX
Complaint sub-issue: Frequent or repeated calls

Sallie Mae, took a scheduled payment out on the wrong day, I called and let them know. They looked back to the phone call where I scheduled the payment initially. They acknowleged they were in the wrong. Refunded me my payment ( which took over a month to get back as a check in mail ) Then apologized and said they 'd make a " case '' with customer service to bring my account up to date and just move forward with my auto debit payments. 4 Months later I start recieving multiple phone calls a day collecting for the payment they assured would be resolved. 
I told them to look at their contact records and notes on my account. Surely they 'd see that they told me theyd resolve the issue. The costumer service rep agreed that theyd told me prior that theyd attempt to fix the issue but that it wasnt guarantied. I was upset and told them I wasnt going to pay 4 months later for their mistake and that they can continue to auto debit from my account. Now one of my loans shows past due each month because of that payment. Now theyre calling my cosigner ( Grandparents ) every hour on the hour 7 days a week till late in the evening. It 's borderline harassment.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.
Complaint sub-issue: Deposits and withdrawals

First, please reference case # XXXX. It was mostly resolved, but this directly relates to it. Immediately after the bank returned my money in XX/XX/2021, I called and asked them to confirm I would be given the airline miles I was promised when I deposited the money. I explained I was concerned that their records would wrongfully show I didn't meet the requirements. The Citibank rep. confirmed this would be no problem, but I needed to wait for it to process. 
I called back in XXXX as I did not receive it and they said an investigation would be opened and I would hear back within 5 days. 
In early XXXX I hadn't heard, back so I called again and was promised this was a " rare miss '' and an investigation would be opened. I received a form letter on XX/XX/XXXX stating I didn't meet the requirements, which was the whole point that I had called twice, knowing that their records would be wrong. 
I immediately called again and demanded to talk with a supervisor. They wouldn't let me talk to anyone else, but said they would open another investigation and that it would be different this time because their supervisor would be informed of the situation. I told them if it was not resolved this time I would be forced to contact the authorities again. They assured me it would be fixed within 2 business days. I received another letter over two weeks letter that was exactly the same as the prior letter. 
No one is listening to me. I have wasted many hours telling my story, but Citibank has only continued to commit fraud against me. 
I would be happy to provide copies of all of the letters. PLEASE HELP! THIS BIG COMPANY IS CHEATING PEOPLE!
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I opened a Macy 's credit card on XXXX  XX/XX/XXXX in order to receive 25 % at the time of purchase. I was under the impression by the sales associate that after the discount was applied that I was paid in full. It turns out I had {$5.00} of remaining balance on the card. My address changed because I moved and did not receive any statements, emails, or phone calls from Macy 's telling me that I still had a balance due. I eventually found out about this when I went to the post office to find Macy 's overdue account statements waiting for me. Macy 's put my {$5.00} into collections without contacting me beforehand by phone or email. Now my credit score has dropped by 80 points due to a {$5.00} charge that I was not informed about.
Complaint sub-issue: Reporting company used your report improperly

They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/XXXX email sent to attorney that originally helped me with this case back in XXXX : I received a call today from an unknown number, so my phone automatically sent it to voicemail. On the recording I was told that it is an attempt to serve me and that legal action is currently being taken against me. I initially didn't think anything of it because, like many of us, I've been receiving an increased amount of spam calls. Not five minutes later, my Mother sent me a text message and a recording she received from someone looking for me in an attempt to collect. 

It is at that point that I called the number that was left on both of our voicemails. The gentleman that answered the phone told me, after I gave him my case number, that it was Citi Bank from a card I had with them back in XXXX. I expressed my frustration with them calling someone other than me and to my knowledge that was still illegal, to which his response was that it is not. 

He then told me they are trying to serve me papers, my total debt owed is {$930.00} and any other questions I may have will be answered in court. 

Since you last helped me with this case, I have not received one phone call or any written correspondence regarding this matter. The case number is # XXXX, phone # XXXX. Additionally, I have checked all three major credit reporting institutions and none of them reflect this alleged debt or amount. 

XX/XX/XXXX : both my mother and I received another call today re : same CitiBank attempt to collect a debt via XXXX XXXX XXXX. When I expressed to the rep ( XXXX ) that what they are doing is illegal and that I would now be filing a complaint with the FTC, she started asking more questions about my case and at that point I just hung up. Phone # they called from is XXXX, case # XXXX. 

I had communication with my attorney, XXXX XXXX XXXX w/ XXXX, XXXX  XXXX on XX/XX/XXXX, at which time he advised me to not engage as it was a scam.
Complaint sub-issue: Frequent or repeated calls

About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank/BestBuy has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed.
Complaint sub-issue: Can't stop withdrawals from your account

I submitted a dispute to Key Bank on a transaction with XXXX XXXX on approximately XX/XX/XXXX After filing the complaint I had a XXXX conversations with Key Bank, the XXXX to make sure nothing else was needed, the second to be told if the merchant doesnt respond by XX/XX/XXXX the temporary credit becomes permanent, the third that I needed to fill out a questionnaire which I did over the phone and the last that my credit was reversed 1st because I didnt fill out the questionnaire and then after that dispute was dismissed I was told I didnt file the claim within the allotted time frame. 

Key Bank accepted my claim in XXXX, gave me a claim number and proceeded with processing the claim and not once from the date of filing to the date of declining did they mention this. 

It takes an act of XXXX to get to the executive affairs department. They refuse to give out a number, the disputes department states they can not transfer me there and customer support in most cases puts me on hold for so long trying to figure it out he call becomes disconnected. I spoke to a guy in the executive affairs department by the name of XXXX who said he would listen to the recorded phone calls I had with the dispute department snd if they said it would be permanent by XXXX like I was told the credit would then be given back to me. I invested 2 hours of phone time on XXXX only to be hung up on because they could not wait for XXXX to become available any longer. The phone number I was given to call back is the disputes department that claims they can not transfer me to the executive affairs department.
Complaint sub-issue: Attempted to collect wrong amount

I, XXXX XXXX, need help from the Consumer Financial Protection Bureau to solve the problem with my student loan which was bought by 3-d party company called Nelnet.com and double it since then. 
This 3-d party Nelnet.com has NO Ties with US Federal Government. A few times, when I try to recertified my student loan through US Department of Education website I got a message to contact directly to 3-d party Nelnet.com. 
My concern about Identity Theft by unknown 3-d party Nelnet.com and double my student loan. Why 3-d party exist as student loan provider for US citizens and no student loan for illegals? 

Conclusion : The Consumer Financial Protection Bureau, please, check with US Department of Education on what grounds Nelnet.com bought my student loan from Federal Direct Loan Program Direct Loans and double it? 
Why US citizens are attacked by 3-d party like Nelnet.com and are provided with All financial information? 
This 3-d party scam Nelnet.com has to face an investigation as a US student loan service! 

It is very disturbing for me as US citizen to be obligated to repay student loan to unknown party, when illegals just take Advantage for FREE Education. 

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

I am writing this letter to help investigate why the three credit bureaus XXXX, Equifax, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.
Complaint sub-issue: Information is missing that should be on the report

Equifax have removed my positive accounts. I only disputed XXXX XXXX and they have removed all my accounts and stated they cant add them back but they where never included in the disputed. I contact the companys itself that should be reporting and they stated that Equifax have two files for me and they can not put the items back on since they was disputed. But I never disputed the items.
Complaint sub-issue: Information belongs to someone else

Ive wrote the credit bureau multiple times requesting a contract or documents bearing my signature obligating me to these accounts which I still have not received and as a result I demand removal of the accounts.
Complaint sub-issue: Don't agree with fees charged

I began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.
Complaint sub-issue: Problem accessing account

E*Trade Bank Issue - Complaint - I have both banking and brokerage accounts with E*Trade Bank and there is no way to get in touch with them for a Customer Service issue. They do not staff the customer service numbers with automated or live persons. 

The issue- My account has been restricted because of suspicious activity, which is helpful to protect my account, despite the fact I initiated and authorized the XXXX XXXX transfer from my banking account. I received messages that I have to call them to discuss the issue and un-restrict my accounts and I can not get a person to answer the customer service phone numbers. I've tried every number available from my cell and land lines. I've been on hold for over 7 hours over the course of two days. There is no live chat available, despite it being offered as a link, no we'll call you back option, and no email address available to contact them.

How can this be when banking access and brokerage access is critical to modern life. I would like to close my five accounts due to this horrible non-responsive non-existent customer service but I am unable to reach a person for access to my funds and accounts. 

All the while E*Trade is completing a merger and providing egregious bonuses to their Corporate level executives. Please help? Thanks.
Complaint sub-issue: Account status incorrect

pnc closed my account out of no where and is miss reporting on my credit report saying im late i have never been late on my account
Complaint sub-issue: Account terms

I have disputed this account over 4 times. You continue to report this account and have not provide me with the verificiation I request. promptly DELETE all information which can not be verified. I intend to pursue all my legal rights on this
Complaint sub-issue: Information belongs to someone else

There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account and have reached out to the company/creditors and said that the debt does not belong to me. It has resulted in me a loss of credit rating and it is very important to me to have a good and positive remark on my report.