Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily postpone payments

On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.
Complaint sub-issue: Reporting company used your report improperly

An accordance with the fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated 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 account without my written instructions.
Complaint sub-issue: Debt was result of identity theft

I have a debt collection reporting on my credit for account I never used. I do not recognize the debtor nor have I ever opened services with this company. The information is completely inaccurate and does not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ATLDISCORP - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Auto XXXX, New XX/XX/2022 Experian CAPITAL XXXX AUTO FIN Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDSASHL - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX Auto XXXX XX/XX/2022 XXXX XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX GLOBAL LENDING SERVICE Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/2022 XXXX XXXX XXXX Auto XXXX XXXX XXXX XX/XX/2022 Experian CAPITAL XXXX AUTO XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDS XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX OF XXXX Miscellaneous Automotive XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers XXXX New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX CRE Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

1

5 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 agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

In XXXX of 2022 I started a dispute with XXXX XXXX to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.
Complaint sub-issue: Information belongs to someone else

Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with XXXX and Equifax credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Evaluate this account : XXXX XXXX XXXX {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Complaint sub-issue: Information belongs to someone else

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for a credit card with XXXX XXXX without his consent. That application resulted in an inquiry being made into his credit. An official dispute of that application was submitted to XXXX XX/XX/XXXX and received by XXXX XX/XX/XXXX ( certified mail, return receipt ). As of this date XX/XX/XXXX, XXXX has not replied with the outcome of the results of a re-investigation as they are obligated to do under the FCRA.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

This morning around XXXX of XX/XX/2019 I withdrew XXXX $ from a gas station ( its maximum withdrawal amount ) and went to XXXX to withdrawal another XXXX for a total of XXXX at around XXXX XX/XX/2019 however it wouldn't go threw and now have a fraudulent suspension on my account I need to pay rent today and my phone bill and I've been on hold for as of XXXX with no answer. I've been doing this same thing for the last 7 months living down here in Texas and this is my only issue but its a big one.
Complaint sub-issue: Report improperly shared by CRC

Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true.
Complaint sub-issue: Account status incorrect

The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}
Complaint sub-issue: Unexpected increase in interest rate

The representative from Citibank provided me the wrong payoff amount and left {$1.00} on my credit report.This resulted me being 30 days late on my credit. I filed three complaints already my issues were never resolved.
Complaint sub-issue: Account status incorrect

Equifax continues to report a closed current account as 30-60days late. The account in question is a XXXX XXXX auto loan account. The account was paid as agreed and current. The loan in question was paid off on time but yet Equifax continues to report it as late. I 've sent repeated disputes and data. They have not sent me information as to where they got this inaccurate information and what steps were taken. Even after contacting XXXX XXXX about the agreed the account is inaccurate.
Complaint sub-issue: Debt was paid

On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2017 I wrote certified letters petitioning Equifax, XXXX  and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXX, XXXX XXXXl XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$8700.00}
Complaint sub-issue: Debt is not yours

This is a follow-up for cfpb complaint XXXX All you sent is a document that literally says, " THIS IS NOT A BILL '' ( last page top right ). Furthermore, a bill is not proof of debt. You'll need to provide proof that services have actually been rendered. 

Your time is running out!
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.
Complaint sub-issue: Report provided to employer without your written authorization

Accountname Accountaddress XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable . XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax and XXXX. I did not grant XXXX  XXXX XXXX XXXX  permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies.

-Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Complaint sub-issue: Account information incorrect

I previously sent 4 dispute letters to Equifax asking them for verifiable proof that I owe this debt in terms of my wet ink signature or do they have any camera footage or anything the shows 100 % accuracy according to the FCRA section ( 609 ) that I owe this debt to XXXX XXXX XXXX XXXX. On one occasion I sent Equifax a non-response letter certified mail because they never responded to my initial dispute and it was almost two months later when they had 30 days to investigate and they still did not delete these two negative accounts. I even have a copy of the letter from XXXX XXXX XXXX XXXX stating that they have concluded these accounts does not belong to me because they could not validate the account information on their files.
Complaint sub-issue: Their investigation did not fix an error on your report

Nelnet is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.
Complaint sub-issue: Investigation took more than 30 days

XXXX AND EQUIFAX ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018 an inquiry was made by XXXX XXXX  using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX XXXX  to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX XXXX  is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
Complaint sub-issue: Didn't receive enough information to verify debt

when reviewing my XXXX XXXX account I noticed that there was a credit report from XXXX for the amount of XXXX. I called XXXX to see what this account was in reference to, they stated this was a cell phone bill, Which I have never has a cell phone with XXXX that was not pre-paid. they stated it was short term account I ask if they had my signature or Id on file they stated they could not give me no information because they transferred the collection over to Jeffery Capital System lLC. They gave me the number. My first attempt was to despute on XXXX XXXX which they denied. I than Reached out to Jeffery Capital on XX/XX/XXXX to try and resolve the debit, Because I am working on my credit score to purchase a home. I spoke with XXXX who stated that they could reduce the Bill to XXXX dollars if paid in full, I requested that they send me a letter with the company letter head stating if I was to pay this Debt in the amount of XXXX they would take the collect of XXXX off of my credit report. The response I got was " we are unable to do this. '' I did not at this time feel comfortable paying this amount without it in writing, providing that I do not believe this was my debt in the first place. 
On XX/XX/XXXX I tried calling the Company again to settle the debt once again because this is affecting my credit score, I spoke with XXXX Who stated that the debt was no longer with them, she would give me another number to call. Which I was never notified that this has been transferred. On my credit report it has Jeffery Capitals system LLC as the debt collector.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.