Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan. 
Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday. 
After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment. 
I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have. 
She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so. 
She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.
Complaint sub-issue: Was not notified of investigation status or results

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, Equifax and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
Complaint sub-issue: Information belongs to someone else

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Complaint sub-issue: Investigation took more than 30 days

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Complaint sub-issue: Account information incorrect

XX/XX/20 : CITIFINANCIAL BANK IS REPORTING EXTREMELY OUTDATED CREDIT & PAYMENT STATUS ( AS OF XX/XX/20 ) IN XXXX 'S SITE. WHY??? 

CITIFINANCIAL IS THE ONLY CREDIT CARD ACCOUNT THAT IS GROSSLY REPORTING INACCURATE & OUTDATED DATA.. WHY???
Complaint sub-issue: Problem accessing account

Citibank accounts, checking and savings, on XX/XX/2022 were blocked and will be closed by the fraud department at Citibank. We have no explanation and no access to our money. I am XXXX and my wife is XXXX XXXX XXXX. We have been banking at Citibank for 36 years. We are certainly not involved in fraud. Their only action to help me, after spending hours on the phone and a visit to our local branch, was to indicate that I will be getting a letter from them in 60 days. In the meantime, I can not get access to my money. This is a disgrace. 
XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

Great Lakes did not send me any notice that my loans were due, they alleged that an email notice was sent, I always request my notices by US mail. Great Lakes never called, After 90 days, they sent a letter to me informing me that I am past due. I immediately paid and became current
Complaint sub-issue: Public record information inaccurate

CEASE AND DESIST I, XXXX XXXX, Natural person and consumer, am notifying LexisNexis that you are violating 15 usc 1681 and my rights as a federally protected consumer. 
XXXX XXXX and XXXX is reporting a Bankruptcy on a consumer report bearing my name and alleges you, LexisNexis, have validated the Debt and Verified the accuracy of the data. XXXX, and XXXX have refused to cease reporting this inaccurate information more than XXXX times and claim that you validated the information, my information has been frozen with you and I have a confirmation letter from you dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and case number XXXX. This means that my information has already been provided to you as far as my identification to validate me and my account and you shouldn't be sharing any information with no XXXX. 
Lexis nexis is the Furnisher. 
Per FCRA Section 623 ( a ) ( 1 ) ( A ) When you provide information to the CRA, You have Obligations under the FCRA to ensure the accuracy of the information you Furnish. As a rule, its illegal to report information that you know to report information that you know or believe its inaccurate. 

Per FCRA section 623 ( a ) ( 1 ) ( C ) You can not, under any circumstances, report information the consumer has told you is inaccurate if it is, In fact, Inaccurate.

Per FCRA 623 ( a ) ( 2 ) ( B ) If you furnish information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, You must promptly notify the CRA and provide corrections or additions.Going forward, you must furnish only the correct information to the CRA. 

As evidenced by your removal of this account from LexisNexis reporting ( after I disputed and made multiple phone calls ), you still have notified the CRAs, Specifically XXXX XXXX AND XXXX that they are illegally reporting. This is a direct, willful violation of 15 USC 1681. 

This is not a dispute. This is a Demand for LEXISNEXIS to comply with federal law and cease infringement on my right to privacy and fair consumer reporting. 
I've been dealing with this harassment for over a year as a result of your illegal actions and it has cost me countless opportunities, my credit, my reputation and put undue hardship and stress on me and my family, you LEXISNEXIS, are civilly liable.
Complaint sub-issue: Information belongs to someone else

XXXX IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Equifax score dropped drastically ( over XXXX points ) a few months ago without any discrepancies or delinquencies on my account. The other credit bureaus did not report a drastic drop so the issue is clearly on their part and not mine. I called today the XXXX of XXXX to inquire on the issue and the call taker XXXX was not helpful and advised that the score I observed on XXXX XXXX was probably not accurate even though its been reflecting the same score for 3 months. She advised I would need to see my score directly from equifax themselves which I logged in and provided from THEIR website. She continuously stated that I was not logged into their site even though I actually was, proving another technological error on their part. I took photos of my laptop as well as of my phone screen showing I was logged in to their site. She continued to say I was not logged in to their platform so I could not dispute the score I was seeing. I would like to file a complaint against the obviously incorrect score as well as the business themselves for having a flawed system that does not reflect when customers are obviously logged in. Ive attached photos showing that I was truly logged in during the phone conversation. Also photos of the drastic drop ( within 6 days of the previous score ) as well as the factors that affect my credit. There were no negative factors associated so there should not have been any reason for such a large drop in score. The date of this submission is XX/XX/2022 so any photo will reflect as today. For comparison sakes Ive attached my XXXX scores for the same period.
Complaint sub-issue: Contacted you after you asked them to stop

I have a debt that is owed to Availblue loans, which is currently under dispute. This company notified my on XXXX that my account had been removed from revenue reporting services. I am disputing that availblue had the right to lend to me because they are not a legal lender in south carolina. They emailed me back stating that south carolina law did not apply to them and they would continue to collect on the loan. They gave an address to mail a formal dispute letter which I have done as of the end of XXXX. I have not gotten a response but I did receive a call from XXXX XXXX XXXX at my workplace today. I have previously been told by XXXX XXXX that they had a cease and desist order on my account, and by availablue that they had retracted my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

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: Problem accessing account

I am a XXXX XXXX XXXX women and what is being done to me by Citibank is criminal. On XX/XX/2022 My checking account ending in XXXX was blocked by Citibank without any reason given. I called that same morning and was told my account will be closed and a check with my remaining balance of {$38000.00} would be mailed to me after XXXX, I asked to speak to a supervisor and was told none was available at the moment but that they will reach back out to me which never happened. This was the second time Citibank within 4 months Citibank had block off my account, the first time was back in XXXX after I deposited backed up funds owed to me from my Annuity Policy. I was told my account was in process of being closed at the time as well but after calling for two straight days I was able to get a supervisor who verified my account and I regain access to my account which I was told was in process to be closed. Now fast forward to now I am being told the same thing for over the past month with no access to my funds and no way to pay medical expanse, its been over 30 days and I cant reach a supervisor just rude customer service workers says the same thing that my account will be closed soon and that I will receive a check in the mail at some point. To make matters worse I received a visit from a XXXX  human resource social worker because someone felt the need to make a complaint to the city on my well being and to check on my mental state which seem to me like maybe the same customer service worker for Citibank who felt the need to block/closed my account. I called this morning after I noticed 2 direct deposit of {$1300.00} each from my annuity had gone into my Citibank account and was told it was still in process of closing and that they could not stop incoming deposit which makes no sense since the account should of been closed by now so now I am being robbed of even more funds at this point. Ive tried reaching the news at this point since Ive been informed that this is something common that Citibank does to people and just need any help I can at this point. My Citibank XXXX account number is XXXX.
Complaint sub-issue: Problem lowering your monthly payments

On Thursday, XX/XX/XXXX I called my Federal student loan servicer Great Lakes Student Loans to lower my monthly payment while on Income Based Repayment. I had been paying {$53.00} prior to the pandemic and the Great Lakes Student Loans website confirmed that I would be paying {$53.00} after the pandemic. However, my daughter was born after this was assessed, so I called in to lower the rate by adding a dependent. 

When the agent calculated my new rate, she said it would be {$230.00}. She explained that my rate would be {$53.00} through XXXX of XXXX, but that adding another dependent would actually increase the rate and she couldn't account for the reason why. She consulted her supervisor, who advised that there was an error and my rate would be changed from {$53.00} to {$330.00}. I advised the agent that I did not consent to this change. I requested that she make sure the change was not made. She assured me that the change had not been made. 

Following this incident, I complained about Great Lakes Student Loans on XXXX, and their social media team intercepted me and offered to help. After exchanging some information, an agent called me on Friday, XX/XX/XXXX to confirm that the previous agent lied to me. The change from {$53.00} to {$330.00} was put through without my consent and when I was promised that it would not be put through, I was given false information. He offered to " lower '' my rate to {$230.00}, but did not address my actual issue.
Complaint sub-issue: Account information incorrect

XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX  XXXX.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court
Complaint sub-issue: Reporting company used your report improperly

I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming XXXXXXXX  due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. XXXX, XXXX, and Equifax keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXXXXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out my written instructions.
Complaint sub-issue: Investigation took more than 30 days

ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, XXXX, AND EQUIFAX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is my third time submitting this complaint due to fraudulent inquiries on my credit report and yet Equifax refuses to remove them XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 i wrote to XXXX XXXX and XXXX  and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/XXXX with account number XXXX and XXXX XXXX Macys  account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act XXXX XXXX Under sections 605B. The law states that they were suppose to block the fraudulent accounts in XXXX business day. They told me that they had forward my complaint to Macys  and Best buy but nothing was ever done.
Complaint sub-issue: Information belongs to someone else

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Complaint sub-issue: Trouble with how payments are being handled

As a continuation of my complaint (  XXXX  ), I was unable to dispute  Nelnet 's respo nse because both CFPB  and Nelnet 's web sites were being upgraded this weekend. Following my initial complain t, Nelnet offered me a Revised Repayment Plan, which they had never previously offered or m entioned to the amount of $  XXXX . That is still a payment that is too high for me. My wife and I file taxes jointly, which seems to greatly effect my income-based repayment plan. She has her own student loan balance of $  XXXX  to pay  ( which I sent proof of with my required income-based repayment plan ). The re p on the phone assured me that if I sent proof of her student loan responsibility that would greatly decrease my income-based payment. That did not happen. After proving my wife 's income, having her own loan balance, a child, and a house, not enough came off of my monthly payment to actually make it continuously payable.     This is a predatory and truth withholding industry that will crash like the housing market did. I get the sense that they know this and are trying to make as much money as possible before their ultimate demise.
Complaint sub-issue: Old information reappears or never goes away

I wrote Equifax on XX/XX/2021, requesting removal of a written off XXXX XXXX account with a {$6.00} that is over XXXX XXXX XXXX, but I did not receive a written reply.
Complaint sub-issue: Account information incorrect

Discover Card account XXXX reports me as a " Authorizer Purchaser ''. 

I know nothing about this account. I never signed for the account, I have never used or charged on this account.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX and XXXX a hard inquiry was pulled from my credit report without my knowledge affecting my credit score. I would like to have this removed or resolved if possible. This was possibly done from an online credit company doing a pull of my score without my permission.
Complaint sub-issue: No notice of investigation status/result

After disputing the status of the XXXX account on my credit file, Equifax continues to report that the XXXX account status is a " Bad Debt ; Placed for collection ; '' and with XXXX missed payments. '' This is incorrect. The XXXX account status is closed with a {$0.00} balance and paid as agreed. Equifax has not provided any method of verification for this account or the supposed company that this account was placed in collections with.