Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

Procollection inc is the collections company. XXXX XXXX XXXX is the name of the landlord. When I lived here, I noticed that my family suffered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We took her to the doctor for this and I called the landlord to ask for repair. When repaired, they just put a bandaid on the issues because we still had XXXX XXXX  everywhere. I sent an email to the landlord to file a complaint about the health issues it is causing my daughter. I sent pictures and emails. I moved out of the apartments and an eviction was filed, but dismissed. They changed the amount due from {$9200.00} to {$2600.00}, I believe this is civilly unfair. While living here, I suffered so much with XXXX XXXX. I was also diagnosed with a XXXX XXXX in XXXX so this collection added to my distress at the time after diagnosis. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My daughter also has severely terrible XXXX issues from her XXXX and living in this unsafe apartment became severely unstable and unhealthy. I need to please know how to fight this in collections because it is stopping me from living peacefully with my children. I also went through divorce after leaving these unsafe apartments because of the XXXX XXXX that it added into my life. I can get paperwork documentation that my daughter was seen by a doctor while living there. I have been researching XXXX XXXX but given that its several pages I'm hoping someone can help with more information. I have pictures and videos that I will upload
Complaint sub-issue: Account information incorrect

I refinanced my mortgage with XXXX XXXX XXXX in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that XXXX was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted XXXX and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that XXXX SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. XXXX XXXX XXXX illegally sold my mortgage 6 months after they were paid.
Complaint sub-issue: Account status incorrect

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through Nelnet currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept ED/ Nelnet which is Nelnet. 

XXXX status should be reported as closed - Transferred. 

Nelnet - should show is open. 

However, my credit report shows ( 5 ) nelnet accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ Nelnet is the same exact Nelnet open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Complaint sub-issue: Card was charged for something you did not purchase with the card

A fraudulent charge appeared on my statement. I called the credit card company at XXXX XXXX  EST and spoke to XXXX. He wasn't at all helpful. He wanted to me to do things I was not comfortable doing.
Complaint sub-issue: Problem with customer service

I've emailed MOHELA, my loan servicer, twice and received no reply. The first was on XX/XX/2022. I don't remember the date for the second email. 

On XX/XX/2022 I called MOHELA at XXXX XXXX. The automated system told me my wait time was 114 minutes. I stayed on hold for nearly eight hours before I was hung up on.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX & XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I am currently a XXXX XXXX XXXX enrolled at XXXX XXXX XXXX. As verified by my XXXX from the XXXX school year. I transferred from XXXX XXXX in XXXX. I have continued to call and try to talk to someone as my loan is showing a payment coming due. Just because this is a XXXX XXXX, does that mean you can never find anyone to assist? I have spent hours on the phone trying to get through only to be looped into a message and the system hanging up. I find this to be an unfair practice when I am a student in college and payments coming due create a hardship since I am not working enough to pay them. Furthermore, I can not start out with late payments on my credit bureau. I need assistance. Once the interest capitalizes will this cause me more harm than if this loan was being handled correctly?
Complaint sub-issue: Reporting company used your report improperly

Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described in15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.
Complaint sub-issue: Confusing or missing disclosures

On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and please do not change the variation to keep this address remove it FTC violations and FCRA XXXX XXXX XXXX Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record
Complaint sub-issue: Information belongs to someone else

The account information XXXX XXXX XXXX of {$64.00} on my credit report does not belong to me. This information is wrong and needs to be deleted.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

On XX/XX/XXXX u tries to use my card it was declined. I called the number on the back of my card. Ams it says my card has been reported stolen when tring to order a new card it directs me to a representative upon speaking to some one they laugh telling my account is frozen and i will no longer have access to the account. they suggested sending a copy of my id amd ss card and again state that. There will be no way for me to access my funds which total the amount of XXXX dollars.. When asking wjere the. The money goes they again laugh telling me that the money will gonback to the state and i will not be able to get it .. The money is from my unemployment oregon .. I have call unemployment and they refer me back to the bank.. I need help. what can i do to get my money out of this account and into my personal checking account.. This can not be right what they r doing. The prepaid card that the unemployment deposites my benifits to is the usbank relicard. I have since changed futer payment to be deposited to my personal checking. My usbank relicard has XXXX dollars of my unemployment money on it .. So basically they r telling me they r keeping this money laughing about it and there is nothing i can do about it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.
Complaint sub-issue: Talked to a third party about my debt

I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. 

After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. 

Therefore, I have to ask CFPB to get involved and help to solve my case.
Complaint sub-issue: Information belongs to someone else

Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXXXXXX XXXX account number ( XXXX ) and XXXXXXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I was furloughed due to the Covid-19 pandemic. My credit card account went slightly over the account 's limit. Despite not having a job, I went online and paid enough to bring the account under the credit limit but do not have enough funds to make full payments in the next few months so I've applied for a Covid-19 deferment. I thought credit card companies were not going to engage in negative credit reporting and/or charge fees during this time ; however, Citi reported me to the credit reporting agencies as being over the credit account limit and my credit score dropped dramatically. I would like this negative reporting removed.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Equifax Credit Bureau is reporting inaccurate information on the following Collection accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}
Complaint sub-issue: Information belongs to someone else

Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. 

I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. 

I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. 

I believe fraud has been committed.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX. Im a US retired  veteran with XXXX discharge. I have a checking account with citibank. my account number is XXXX. Citi has frozen my account and thus, denying access to my funds as a result im facing XXXX as i cant pay rent and other bills. I called several times and they are very rude. Telling to wait for a imaginary letter that never comes. The reps are not Usa based and never really help you. I have children with and i also suffer from XXXX. This is making my situation worse. I researched online and found multiple people with the same problem. They even faced a class action suit in New York for freezing customer accounts with out proper cause. CFBP should look into this problem thats affects many americans.
Complaint sub-issue: Information belongs to someone else

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to equifax, XXXX  and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Information belongs to someone else

Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. Equifax didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT EQUIFAX Removes the inquiries as well as XXXX. Thank You! I have provided my Identity theft report and my State ID
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX  or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : {$400.00} XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

equfax XXXX XXXX XXXX reporting a false collection it was XXXX not mines
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXl 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX anXXXX XXXX from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.