Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I signed a finance agreement with XXXX XXXX. A couple months later, I received a call from XXXX XXXX XXXX XXXX with whom I had tried to contact because I had not received my title so I could tag my vehicle. The dealership informed me XXXX XXXX had filed for bankruptcy before paying the loan on the car. They said that they would work on finding a new lender and let me know when they found one. Several months had gone by with no news so I tried to call them and was unsuccessful. I had gone out of town for a while and while gone tow trucks were sent to my house and my father 's house. I started looking into the matter and found my car was financed by XXXX XXXX XXXX. I had never signed another loan agreement nor had I given permission for anyone to. I contacted XXXX and requested a copy of the loan agreement and received one 10 days later. I printed it off and could immediately tell that my name had been forged. It was not even close to my handwriting. I immediately called Flagship and told them the signature had been forged. They said to file a police report and get them the case number and it would be dropped. I tried filing one in the town the crime occurred in but the sheriff said I could not because they had so many of these type cases from the dealership that they had turned it over to the FBI. I called the FBI and explained the situation and they told me I would have to give a report to a live agent, so I did. He told me if there was in fact an investigation, they would call me. I never received a call. I filed with the Oklahoma XXXX XXXX XXXX they responded with saying that they could not do anything because the dealership had closed I filed a report with XXXX, they said it was Oklahoma XXXX XXXX XXXX  jurisdiction. XXXX turned the account over to a legal collection agency. I received a letter in the mail saying that if I did not dispute the debt, it would be assumed valid. I responded that it was not valid in the given time. My husband was served with a lawsuit demanding I pay XXXX the amount of {$14000.00}. I responded with an answer and counterclaim denying their allegations and included the original loan agreement I signed showing the vast difference between the signatures. Even though they knew the agreement was forgery they have continued the lawsuit. They started reporting negative payments to all credit bureaus and continue to this date even though they have charged off the account. I traded in a XXXX XXXX XXXX which was never paid for and repossessed so that is also on my credit. This experience has severely damaged my credit and buying power. I also had to buy another car as I could not tag the XXXX or legally drive it. The credit bureaus show I owe over {$18000.00} at the point but they refuse to remove any derogatory marks on my credit or drop the lawsuit. This is extremely frustrating as I never even had knowledge for several months. I disputed the agreement through XXXX who investigated but came back with results that it was reported valid through XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I changed my name on XX/XX/XXXX and Equifax has not yet updated my name ( both XXXX  and XXXX  did this with no interaction on my part ). Over the past two years, I have contacted Equifax at least 15 times - with 8 of those being in the last month. I have provided documentation ( SSN Card, Driver License, Passport ) and Equifax agrees that they have the documentation to make the change - however, the do not make it. Each time I am told it will be fixed immediately - only to find later it was not. I have spend at least 10 hours on the phone with them to no avail. This is impacting my credit report, although my SSN has not changed, Equifax shows that I have no reported credit since XXXX ( which is simply not true ). Most recent disputes were submitted on : XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition, I have called Equifax muliple times to resolve this issue and spent several hours on the phone. Most recent calls were on XX/XX/XXXX and XX/XX/XXXX - both times I was told issue was corrected immediately and it was not.
Complaint sub-issue: Problem making or receiving payments

Citibank Instant Payment process not working due to Error code MFA. After more than 6 hours on the phone with tech support over multiple days the Citibank staff offered numerous inaccurate statements and contradictory explanations. At this time they are unable to provide any meaningful information about why transactions are not being processes or how long it will take to get the system to work for me. The computer based chatbot does not render correctly in any browser with strong and fast internet signal. The mobile app chatbot never gets past the step of asking which account I am trying to contact the bank about - instead it enters infinite loop asking the same question over and over ( I am able to provide a video of this happening ).
Complaint sub-issue: Information belongs to someone else

Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!
Complaint sub-issue: Old information reappears or never goes away

My issue is with FedLoan Servicing.     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including deployments to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from FedLoan Servicing are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.
Complaint sub-issue: Information belongs to someone else

I have made many attempts to dispute the XXXX  account that is reporting on my Equifax profile. This account does not belong me. I have submitted an FTC form to Equifax and Creditor and this account has not be removed. Please assist me in getting this matter resolved.
Complaint sub-issue: Don't agree with the fees charged

XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Sometimes in XX/XX/2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a XXXX visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such  abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX XXXX, 2017 amount {$1900.00} I was basely robbed by PNC bank. I had an accounts one with my son, and another with my daughter when she attended college a few years pass. In searching for a job this year she was caught up in scam, which sent her a check in the amount of {$1900.00} and told her she had to send back portion of the check because, another person needed to purchase stuff need for the operation, which she did. The bank took the check and gave her credit for the money and added it to her account. The next day PNC took all the money out of her account and the money from my son account but, her name were not on his account.
Complaint sub-issue: Public record

I have been denied housing and utilities based on a public record debt that was paid in full 2 years ago, but is not shown as such on my credit report.
Complaint sub-issue: Reporting company used your report improperly

The consumer reporting agency violated my consumer rights that were set by congress to protect me. 

Laws violated : 15 USC 1681a ( 3 ) : They assumed the role in assembling and evaluating my consumer credit, without my consent. 

15 USC 1681a ( 4 ) : They failed to exercise their grave responsibility, they were unfair, impartial, and did not respect my privacy.

15 USC 1681b ( 2 ) : I never instructed them to furnish this report or to create this report. I never gave consent.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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: Reporting company used your report improperly

After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.
Complaint sub-issue: Debt is not mine

The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.
Complaint sub-issue: Information belongs to someone else

I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address XXXX had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on XXXX credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.
Complaint sub-issue: Overdrafts and overdraft fees

When I signed up for banking with US Bank in XX/XX/2018, I said 'no ' to overdraft protection. This was presented to me as a blanket option, under which all transactions made against my credit card, debit card, and checking and savings accounts would be denied and I would therefore not be charged a fee. On Friday XX/XX/XXXX, I made 2 mobile deposits to put money into my checking account in preparation for a credit card payment I wanted to make on Saturday XX/XX/XXXX. The balance in my checking account after these deposits was {$4800.00}, and I submitted a credit card bill against that checking account for {$3600.00} on Saturday XX/XX/XXXX. I was unaware that the other user on the account also submitted a credit card payment against the checking account for an amount of {$2400.00} on Saturday. On Monday XX/XX/XXXX, the bank paid the other user 's credit card bill of {$2400.00} and then overdrafted my payment of {$3600.00}. The bank did not attempt to make the payment against my credit card bill, and yet the amount of {$3600.00} was taken out of my account and then returned on Wednesday XX/XX/XXXX, in addition to an overdraft charge of {$36.00}. I called US Bank on Tuesday XX/XX/XXXX to address the issue with them and asked why I had received an overdraft fee when I had said 'no ' to overdraft coverage when I created the account. While on the phone with the customer service representative, XXXX/XXXX, I read from the agreement I had signed with the bank, which stated that : " ... if you have chosen No you will not be charged an Overdraft Paid Fee. '' She responded to me and said : " Yes, we have customers confused about this and calling to us often ... '' and then proceeded to explain that the charges were allowed under a bait and switch tactic, in which the bank allows you to choose 'No ' when you first sign up, but fails to mention that you must specifically request 'No ' for overdraft protection on certain accounts in order to avoid the charge. The way that this was explained to me was very disheartening. I try my best to understand my finances and make knowledgeable choices about my financial health. I have never missed a credit card payment before and the credit card company dropped their own returned check fee when I called them. Since the bank is trapping many customers in this loophole concerning overdraft fees on certain accounts - even after customers have specified 'no ' - I believe they should refund my {$36.00} and discontinue this malicious and misleading practice. If I had known that my 'no ' didn't cover all of my accounts from overdraft fees, I would have kept saying 'no ' until it did. Before I got off the phone with XXXX/XXXX, I asked her to please extend my 'no ' to any account that hadn't been covered the first time I declined overdraft coverage. Thank you very much for your assistance.
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting 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 items : 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: Reporting company used your report improperly

I the consumer never gave written consent to the credit reporting agency to furnish any information about me they did not have permissible purpose to report this information, nor did they have the right to ignore and dismiss my request for deletion. 

I will be sending my invoice for ALL violating that has been made against me!
Complaint sub-issue: Debt was result of identity theft

No information was given regarding the account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
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, 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: Account information incorrect

I have filled a dispute in regards to the incorrect information on my credit report it has been well over 30 days and i have not received any investigation results.
Complaint sub-issue: Don't agree with the fees charged

I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.