Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I am in the process of applying for a mortgage and needed an official document saying what my monthly payments would be under an IDR plan because I am currently in school and so payment is showing as {$0.00}. I contacted my loan servicer, FedLoan, on XXXX to ask them how to get this. On XXXX, I submitted a request for IDR through studentloan.gov because I was advised by someone else that this would be sufficient for this process. The automatic email response that I received said Thank you for submitting an Income-Driven Repayment plan request. You may receive additional emails regarding the status of this request. At any time you can view real time status updates, make a payment and more through your online account at MyFedLoan.org/signin. Once your request has been processed, we will send a communication advising of the outcome. I did not provide paystubs or anything to verify my income, and I indicated in the application that my salary had decreased since last year, which means my tax information for last year should not be used. 

I did not check on the status immediately, but the first time that I did it said that they would review my request and I would receive a follow up email by XXXX. An entire month seems like a long time for what should be a very standard request and process for a student loan servicer, but I made sure to do this early to account for delays. The next time I checked the automated system, it said I would receive a response by XXXX. Not ideal, but still reasonable. The next time I checked on XXXX, it said XXXX. 

On XXXX, I submitted another inquiry through the online system saying that I expected a response by the first date I saw, XXXX. On XXXX, I received a response to my original inquiry through the online system a month earlier that said A request has been submitted to have the requested document sent to the email address on file. Please allow 5-10 business days to receive this requested information. We received your request for an XXXXncome-Driven Repayment ( IDR ) plan on XXXX XXXX. Once your request is processed, we will send you a notice with the results. I responded that I have not provided income documentation that would allow them to calculate income based repayments and have not received a response. I have checked the online system each day since, and each day their deadline for responding has been extended by one day. I am unable to get in touch with anyone on the phone because their automated system just tells me I will receive a response by this ever changing deadline. 

I am currently stuck in purgatory because of FedLoans failure to perform a basic service and can not proceed with the mortgage process. I do not even have a reasonable date for when I will be able to because FedLoans deadline keeps changing with every day they fail to respond.
Complaint sub-issue: Information belongs to someone else

Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX did not validate the debts they allege I owe.  They never sent me anything in writing, I had to find out about them by reviewing my credit report.  They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 (b) of the FDCPA.  HOWEVER, they did (UNTIMELY) respond (how would they respond if they really did not receive my written demand?!?) but their response did not comply with 1692g in any way, shape, or form.  It merely said the account had been "closed" instead of actually validating, per my request.  (See attached).  It has been many months yet they are still listing a negative(s) on my credit reports, despite the law giving them 30 days maximum.The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX XXXX from my credit reports.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights. 

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating " repossession '', my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton. 

Equifax continues to report this negative tradeline despite the numerous requests for evidence to their investigation practices. No such documentation received.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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: Threatened or suggested your credit would be damaged

Student loans result of identity theft from a for-profit school that's no longer opened several attempts have been made, notified the loan provider about this matter, I've contacted the school 's and the loans managers to remove this debt from my record. They threaten to offset my tax return. After filled several disputes they still haven't refunded my tax and never reach a decision about the fraudulent loan. 
They said the loan is in default I've contacted the local police and forwarded all documents proving this account was open with unauthorized signature. But they continue reporting this account the all the credit bureaus and continuously causing me further damages financially. 
After I repeatedly asking them to give proof of all investigations and contacted parties in their investigations they've chosen to not cooperating or further investigating the officials of the school where the loan originated and they continuously denying me every time I sent a dispute or loan requested to discharge these loans. They continue breaking the law by allowing and facilitating these individuals who have stolen my identity to open student loans.
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with XXXX  XXXX  and Equifax putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. 
I would like to request a security freeze placed on my report and request a PIN Code. 
I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Credit Report Act, you are required to comply.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I cosigned a loan with Lloyd 's Plan in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.
Complaint sub-issue: Denied request to lower payments

The company is fully aware of my financial hardship & the situation that is directly responsible for it. I have tried several times to request help in regards to deferring payments but their rules do not that. They have also started spam calling my phone throughout the day despite the fact that I have requested an investigation into the discrepancies on my account. They are in direct violation of the Fair Debt Collection Act due to this harassment.
Complaint sub-issue: Investigation took more than 30 days

Equifax and XXXX are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
Complaint sub-issue: Other problem getting your report or credit score

Everytime I try to dispute online with equifax for anything incorrect, the online dispute through equifax says you cant dispute online, please call.
Complaint sub-issue: Personal information incorrect

To Whom It May  Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Not given enough info to verify debt

The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Information belongs to someone else

I have continuously called and disputed fraudulent credit cards that were opened using my personal information. The representatives I have spoken with have not made any effort to help me. I have also submitted an identity theft report. The representatives have been very rude and unhelpful in this situation.
Complaint sub-issue: Debt was result of identity theft

I noticed this Bankruptcy is incorrect. I put in disputes to get remove. I havent heard anything within 30 days. By law if you dont here anything it has to be removed from the credit report. I have proof of letter that it was sent it.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX my parked car was hit by another driver. We went through the claim and everything was settled by the driver 's insurance. 

However, when my insurance renewal comes up, the insurance company informed that a clue report generated by LexisNexis shows that there is at fault accident and suggested that i need to corrected with Lexis Nexis. 

I have contacted Lexis Nexis and provided the police report in addition to the check sent by the driver insurance. However, Lexis Nexis is refusing to correct this mistake. 

LexisNexis failed to update its records especially during this time, despite being sued many times over the years for the same reasons. ( Adams v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2010 WL 1931135, at *9 ( D.N.J. May 12, 2010 ) ( denying LexisNexiss motion for judgment on the pleadings ) ; Berry v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2014 WL 4403524, at *1 ( E.D. Va. Sept. 5, 2014 ), aff 'd sub nom. Berryv. Schulman, 807 F.3d 600 ( 4th Cir. 2015 ).

We urge Consumer Financial Protection Bureau to revoke Lexis Nexis license to store and sale consumer data as it has proven again that it doesn't adhere to the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq Consumer Number : XXXX Case Number:XXXX Thank you very much
Complaint sub-issue: Funds not received from closed account

I still have not received my money from CitiBank. They have no right to keep my money after closing account. In response to Citi Bank 's promotional offer, I opened a checking account online on XX/XX/2022. During the application process, Citi Bank prompted me to fund the account with New-to-Citibank funds to qualify for one of the New to Citi Checking Cash Bonus Offer. To qualify for the {$700.00} cash bonus, and through an ACH transfer, I funded my new Citi checking account with the required deposit amount of {$50000.00}. The money was transferred within less than 24 hours from my XXXX XXXX account. A day later, on XX/XX/2022, I was locked out of my Citi Bank online access/mobile application. After contacting Citi 's customer service, I was told the new checking account will be closed and a check for the {$50000.00} will be issued within 60 days. Citi Bank promotional offer requires new account to keep the deposit amount for 60 days to qualify for the cash bonus but now that the new account is closed, Citi will keep the deposit of {$50000.00} for 60 days but without me receiving the cash bonus of {$700.00}. This is a classic bait-and-switch scam. To resolve this matter, I would like the check of {$50000.00} to be issued ASAP. They have no right to keep my money for 60 days since they will be closing my new checking account. If the check ends up being issued after 60 days, I expect another check for {$700.00} as the cash bonus promised.
Complaint sub-issue: Personal information incorrect

Some fraudulent inquiries are on my credit report. I did not give them permission to do so.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.
Complaint sub-issue: Information belongs to someone else

I RECENTLY MOVED TO XXXX TEXAS IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

I filed chapter XXXX bankruptcy on XX/XX/2020. Money Lion has been included in the bankruptcy and they were aware 2 days after filing ( even though it is a no asset case ), and this can be proved because they sent in a claim. They have since refused to report the account as included in the bankruptcy and continue to report late payments AFTER the filing date. They also still tried to collect payments AFTER the filing. I sent an email to them and they are beating around the bush, refusing to update the report and stating that they will keep the payment history as is. It should NOT continue to accrue late payments while in an active bankruptcy and definitely shouldn't be reported as open at this point.
Complaint sub-issue: Personal information incorrect

They do not want to remove and address that i dont live at.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX  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: Account status incorrect

I have several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize.

Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : 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 result of identity theft

I have reported this debt on my credit report to each credit bureau and also the company that placed it because it is a result of identity theft. I have lived in XXXX, XXXX since XX/XX/XXXX and once I moved out of my fathers home in XX/XX/XXXX I put my electricity bill in my name and have so even now. There is no reason I would have needed a electricity bill in XXXX XXXX when I do not live there. This is a case of identity theft. I have never received any bills, notifications, or any other notice of this account until it was placed on my credit report and I have been dealing with trying to have it removed and a fraud alert placed on my account since then. The amount is {$2400.00} dollars.