Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't decrease my monthly payments

I attempted to file this complaint with my student loan servicer ( see below ). I received an emailed response " an application is being mailed to you. '' I completed an IDR application online. I emailed my tax return to FLS the next day. I spoke to XXXX at FLS who said this was received. On the IDR application the Department of Education listed FLS as my loan servicer, one name one address. 

I am requesting to file a formal complaint. First, I spoke to your agency and I was never advised about the income based repayment plans when I was having trouble paying my loans. I received no assistance from AES or FLS other than forbearance and then being told my forbearance time is up. Second, your agency is refusing to process my XXXX application. I contacted both FLS and AES and notified them my application was submitted online and my tax documentation was emailed to FLS and I received confirmation on the phone and via email, the tax documentation was received. 

I understand you use two separate names, but you are the same agency. Your AES representative lied and said you were a completely separate company and not in the same building or associated, which is untrue. I am requesting, again, that you ( FLS and AES ) process my XXXX application accordingly as you have the completed application and my income documentation. 

There is a serious problem when a student loan servicer deliberately makes this process hard for borrowers because of your lack of communication and unwillingness to take a few extra minutes to assist your customers. Instead your 'escalated ' representatives attempt to make me duplicate efforts by faxing income documentation that you already have. And I emailed the tax return initially after trying to fax all day, to a constant busy signal. Your ever so helpful representative then suggested 'just keep trying, ' until I asked questions about alternatives and was given an incorrect email address. I called back again to get the correct email address.
Complaint sub-issue: Account information incorrect

Kikoff is reporting inaccurate information on my Credit Report. I open an credit builder account wiht them and set the account on auto pay and paid it on time every month. Yje account was paid off Yet Kikoff is reporting one late payment, yet also reporting it 90 Days late which if was correct, would be three late payments. Both reports of information is incorrect and i asked that it be removed from my credit report immediately. 

Account Number : XXXX
Complaint sub-issue: Debt was paid

MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Account information below : Account number : XXXX. 
Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion. 
Misrepresentation of facts. 
Failure to mark account as disputed. 
Bill was contested and disputed which he did not incur, there was no contractual basis for debt. 
Negligence. 
Unfair business practices. 

Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible. 

Please send the attached documentation to the company. 

Thank you.
Complaint sub-issue: Trouble with how payments are being handled

I made a payment of {$25000.00} on XX/XX/XXXX. I received notices that three of the loans were paid off in full as of XX/XX/XXXX as I delegated the funds. XXXX now has reversed my payments in their system but still have my funds. There are not resolving the issue despite having taken {$25000.00} out of my bank. I am so frustrated with the illegal activity and am requesting an investigation. I will also be hiring an attorney to aid in the process.
Complaint sub-issue: Information belongs to someone else

I Went to go purchase a house with my wife and and when we went to apply for credit I found out that I had alot of stuff on my credit report that didn't belong.
Complaint sub-issue: Problem with fees

I joined Costco Whole Sale as a member in XXXX, 2021. Costco demands you sign up for Citi VISA to pat for any purchases. I did sign up for the required credit card, Citi VISA, offered by Costco. I did enter a bank account routing and account numbers to pay the charges on the credit card. I was shocked to discover that the payment was returned, there are sufficient funds to pay the bill in that bank account provided, nevertheless, I called customer service at XXXX to find out that the bank account number had a missing digit or some sort of error. I provided the Rep. of Citi VISA with the correct account number and I specifically asked him that I do not want to pay extra charges. He then told once you make the payment when you receive the email no charges will be added. I checked my account to find out extra charges of {$29.00} and running total of {$64.00}, I called customer service who refused to remove the charge. Deceiving and cheating pay customers. Citi Bank customer Service rep. stated there was nothing that can be done. I told him that his colleague stated that there will be no extra charge once I receive the email notification which i did. I also provided another checking account to avoid any more issues. I asked to speak to a manage to try to resolve the issue, I was put on hold, typical strategy so the customer hangs and gives up, no manager or supervisor came to the phone to discuss the issue. The customer service Rep. ID XXXX who told to call back on XXXX XXXX but no reasons were provided for the call back on that date. He also refused to locate or listen to the recorded conversation I had with is colleague,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act XXXX Account # XXXX, XXXXXXXX XXXX Opened on XX/XX/2022, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX BANK ACCT : XXXX XXXX : {$760.00} XXXX XXXX XXXX  ACCT : XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXXXXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXXXXXX XXXX ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

A account has replaced back on my consumer report after it's already been deleted. This is hurting my ability to obtian credit. This is another violation 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I never authorized this account to be reported to my consumer report in the first place. So the face the replaced it on my consumer report after its already been deleted is a violation. I do not consent with my private information to be shared with a nonaffiliated third party. Attached is a letter I already sent Equifax.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a refrigerator from Home Depot that was delivered on XX/XX/XXXX. On XX/XX/XXXX - the refrigerator stopped making ice and was getting warm. On XX/XX/XXXX a technician came out and told us the compressor had died. I had purchased an extended warranty from Home Depot, was within my 90 days of delivery, and this is obviously a major component. Second technician comes out to tell us that compressor, evaporator and control board are all bad. This is a lemon. Home Depot refuses to fix. Insists that the manufacturer must fix it. I have called the Home Depot store, corporate, etc. This is a lemon. This needs to be replaced or my money refunded. Home Depot refuses.
Complaint sub-issue: Information belongs to someone else

Several fraudulent accounts and the reporting of a bankruptcy that's been dismissed.
Complaint sub-issue: Problem with personal statement of dispute

I have always leased XXXX 's in the past but after this I do n't believe I will. I recently returned my previous XXXX XXXX lease for a new XXXX XXXX lease. The next month I had an emergency where in my parents home country of XXXX suffered a massive earthquake in XX/XX/XXXX that brought pain and destruction to many including my family. I went to XXXX once I was able to in early XX/XX/XXXX and stayed til early XX/XX/XXXX. In the mist of buying things for reconstruction, and attending so many families home that needed some form of repair, at a local hardware store someone had stole my identity and I froze my accounts just in case. 

I completely was not thinking about everything in the mist of that moment, but since i was n't in the states I said I 'll be back soon and everything will be okay. Every other company I was in debt with understood my story and did not penalize me other than XXXX XXXX XXXX XXXX. Months stamped late were XX/XX/XXXX & XX/XX/XXXX. 

As soon as I came back i paid them in full for 2 months and they decided to care about my story. I ask that this please be removed from my credit. I ca n't believe this is still haunting me, because I 'm trying to purchase a home and those late payments really effect my score. Please help.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX gave account that was closed to Jefferson Catial Collection, i turned them in to FTC.GOV last year and it was Charge-off as dischage.Today in Mail got it again Secret Letter No-Name ecept mine, but left top it has? Return Mail Only XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!
Complaint sub-issue: Account status incorrect

I have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.
Complaint sub-issue: Account status incorrect

In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose
Complaint sub-issue: Problem with statement of dispute

I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.
Complaint sub-issue: Problem getting your free annual credit report

I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I requested my free annual credit report online from Equifax through the website annualcreditreport.com. The site said that they are unable to provide it. As this error with Equifax has repeated each of the last seven years, I submitted a complaint on the above date with the CFPB requesting that my report be made available to me online each year. Please see Complaint XXXX for details. 

Equifax responded with a canned reply that seems to address a different complaint, but not mine, and then essentially the same error message I see every year on their web site. I responded with feedback, but when I submitted it I saw that the status of the complaint is " Closed ''. Apparently the complaint is closed once the offending company responds. 

Here 's a copy of the feedback I submitted : " Thank you for responding to my complaint. Unfortunately you seem to have misunderstood the problem. I did not report that there were " inaccurate or incorrect items reporting '' on my credit file, as your response states. I complained because you have not made my report available to me online for years. 

In your response you say, " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. '' I stated clearly in my complaint that I have provided this information to you by mail, as you requested, in XXXX and again in XXXX. You were able to finally verify it and send me my report each of those years, there is no reason you can't verify exactly the same information now. 

In my complaint I requested that Equifax fix the glitch that keeps me from receiving my free annual credit report online every year. Your response is simply a repeat of the error I see when I request it year after year. Sending you hard copies of my sensitive information was not enough to resolve this issue ; it must be something else in your system that needs to be fixed. ''
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I had an old loan 8+ years old with XXXX XXXX . The account went to a repossession due. They would call my job, and family members constantly on a daily basis, even though I told them I could not receive calls at work. I also told them that my Family has nothing to do with the debt and to stop calling them. Approximately 1 year ago, I received information in the mail that XXXX was in a class action lawsuit due to violating the FDCPA and FCRA for calling me and thousands of other clients excessively. The were notified by the US District court to cancel all debts for clients included in the class action against them for excessive robo calling. What they decided to do instaed of following the courts ruling was to sell the illegal debt to a collection Attorney by the name of Jormandy at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, VA XXXX. Ph # XXXX. I told them the debt was noncollectable due to the courts order, but they ignored me and obtained a garnishment against me anyway. This is 100 % illegal, and I have found out on the internet that XXXX and this company have done this to who knows how many people. They have no legal right selling debts that the curt mandated are noncollectable. I want my money back and this off of my credit asap.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the following companies listed below 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized, Unverified, Incomplete Inquiries Listed Below : 1. XXXX XXXX Date XX/XX/XXXX Unauthorized 2. XXXX XXXX XXXX Date XX/XX/XXXX Unauthorized 3. XXXX XXXX XXXX Date XX/XX/XXXX Unauthorized 4. XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Unauthorized 5. XXXX XXXX Date XX/XX/XXXX Unauthorized Unverified Accounts Listed Below : 1. XXXX XXXX Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX  ( Account # XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Open Late Dates XXXX