Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

They called me telling me that I was probably eligible for a student loan forgiveness program based on my income. They asked me to give them my yearly salary to see if I qualified, so I did and they accepted me. They said I would have to pay {$340.00} a month for the first six months and then after that it would go down to {$320.00} per month. This was a lot better than the {$680.00} I was supposed to pay a month with XXXX XXXX so I agreed. They asked for a letter from my boss to verify that the information I was saying was correct. I did all of that and I actually received a letter from XXXX XXXX saying my student loans had been consolidated and that I was approved for the Income-Driven Repayment ( XXXX ) Plan so it seemed legit. I have been paying them {$340.00} a month since the XXXX XXXX which adds up to {$2000.00}. On XXXX this payment went down to {$59.00}, which I thought was weird since they had told me it would be {$320.00} a month after six months. So in total they have taken {$2100.00} from my account. Today, when I was getting my documents ready today for taxes I logged in to XXXX XXXX to print my tax form and realized that I still owed the full amount- I called them and they said I was most likely scammed since they haven't received any money from me and gave me this website. 


In the documents I am attaching you can see you I have been charged {$340.00} every month of the XXXX of the month ( I only provided my bank statement from XXXX -but happy to provide more documentation showing I have been charged this amount since XX/XX/2021. )
Complaint sub-issue: Information belongs to someone else

On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have landed into the hands of the wrong person.
Complaint sub-issue: Deposits and withdrawals

Discover said, they froze my account and rejected my direct deposit there for I called the NYS dept of Labor and they said they did not get a rejection what so ever. I called Discover on Tues, wens, Thursday and today Thursday they said they rejected my payment the dept of labor did not receive a rejection they said if they did they would re process the payment but since there was no rejection. I have no funds in my account and they did not want to provide me with no resolution.
Complaint sub-issue: Funds not received from closed account

My checking account was closed by US Bank end of XXXX. I have around {$12000.00} in my checking account when my account was closed. I contacted US Bank multiple times to give the money back to me.They referred me to the branch manager who originally opened my account. I contacted the branch manager, but he barely responded. I went into the US Bank XXXX branch multiple times and finally got chance to talk to the branch manager XXXX XXXX. His attitude was very unprofessional. He simply told me he will hold my money for three months. Now it has been over three months, I contacted him again to get my money back, but he never responded to my email or phone. It was very bad experiences and really need to file a complaint towards this US Bank branch and this manager.
Complaint sub-issue: Debt resulted from identity theft

I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay.
Complaint sub-issue: Information is not mine

I have sent SEVERAL letters to Equifax requesting that they investigate and have only been met with responses containing semantic responses in an attempt to completely stonewall me in my multiple attempts to get this inaccurate information removed from my Credit Report. Each and every item in the attached letter is completely incorrect. I have contacted each of the data furnishers directly and have had no cooperation, and each and every company has had a lawsuit filed against them by me under FCRA and FDCPA by an attorney who represents consumers that have been wronged by financial institutions, which is why I am now holding Equifax responsible. 

The data furnishers can not prove that these debts belong to me, which again is why I am now turning to Equifax. 

What can Equifax show that shows these accounts belong to me and that they have conducted a proper investigation? 

I have contacted Equifax at least three times by certified mail. I do not want to sue Equifax, money is not what I am after, but if need be, I have been advised my a consumer protection attorney that my case is an individual case and could be a class action, both at XXXX out of pocket cost to me. 

I do n't know why I must spend so many countless hours trying to get Equifax to remove and correct these items. I am very upset by Equifax, and they are causing me a lot of stress. I feel like Equifax does n't even actually read the letters it receives. 

I have researched each and every item in the attached letter, and I 'm am hoping that Equifax takes this matter seriously and conducts a proper investigation. I do not want this issue to be handled by XXXX either. I need an actual person to take a real interest and conduct a real investigation.
Complaint sub-issue: Information is missing that should be on the report

I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.
Complaint sub-issue: Account status incorrect

I have tried twice on XXXX XXXX to dispute the delinquent payments to no avail, with XXXX credit bureau and Fay Servicing. 

Let me also say Fay Servicing did correct the XXXX report but the disputes with XXXX will not change. 

I have disputed so many times, that XXXX XXXX will not allow me to dispute the Fay Servicing and XXXX accounts, again. 

I also asked my Account Manager with Fay Servicing why does XXXX show 9 missed payments, when there have been no missed payments since the modification. 

Fay Servicing even shows a missed payment for this year, and there have been no missed payments, but the Account Manager stated that another office would have to correct my credit reporting with XXXX.
Complaint sub-issue: Account status incorrect

The XXXX XXXX XXXX ( XXXX  visa/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

Please forward the information to Citi/ Macys Store Card . Thanks!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 - Purchased baseball glove from XXXX XXXX store via XXXX ad for {$91.00} using Discover card via XXXX. ( XXXX only option ) XX/XX/2022 - Received order confirmation XX/XX/2022 - Replied to email on shipping confirmation for status update. Received email delivery failure message. Realized it was a fake site name, opened a dispute with Discover Card and XXXX XX/XX/2022 - Received email from XXXX stating unable to help, contact Discover XX/XX/2022 - Received email from Discover for temporary credit applied to account XX/XX/2022 - Received email from Discover stating case is closed in favor of the merchant and {$91.00} charge applied to account. Email included supporting documents provided by XXXXmerchant with USPS tracking number with delivered status displaying only city and zip code XX/XX/2022 - Contacted Discover via phone to inquire about next steps. Was told by agent to create case with USPS and provide evidence package was not delivered to address listed on order confirmation XX/XX/2022 - Created case with USPS. Local USPS supervisor contacted me via phone and informed me to visit office with proper ID, showing my current address and he would provide image of package with tracking number from XXXXmerchant and full address. 
XX/XX/2022 - Received image from USPS supervisor taken by mail delivery personnel of package with tracking number and full address. ( not mine ) XXXX - Uploaded image to Discover card dispute case XX/XX/2022 - Received email from Discover card stating information provided was already considered and charge was still valid. 
XX/XX/2022 - Contacted Discover and was informed they could not do anything for me, even with the supporting evidence the package was not delivered to the address listed on the order confirmation and XXXX invoice. Agent suggest I use another service to fight this dispute.
Complaint sub-issue: Trouble with how payments are handled

I work very hard to pay my bills and I want very much to keep my student loan payments in good standing. I can not afford the XXXX a month payment Discover is requiring of me. And now they tell me I have no options. None. I have tried all I can to come up with a payment plan that works for us both. I am a new father and have even taken on a XXXX job to try and make ends meet. Discover let me pay a reduced payment of $ XXXX/month that was just doable for me. Now I am out of options. The only option now, it seems, according to Discover, is to default, which I do not want. I have XXXX co-signers : my brother who is in the XXXX XXXX and can not afford these payments and my sister, who also can not as she is a stay-at-home-mom. I want to be in good standing. I want to work with Discover, but they refuse. This can not be how their business works : " Sorry, too bad, nothing we can do. ''
Complaint sub-issue: Information belongs to someone else

upon further examination i learned that my information was compromised in the equifax data breach and the cell phone carrier XXXX XXXX data breach where attackers were able to use my information and place my information on several platforms to be used and abused. i have received several notifications that my social and other personal identifying information of mine was compromised. which also shows that my right to privacy has been breached, there was not any lawful authority to transfer my social security number or personal information amongst the attackers, creditors or consumer reporting agencies this is identity theft pursuant to 15 usc 1681c ( 1 ) the information that i have presented to you was not blocked in error the information i have requested is of fact so there is no material misrepresentation of the fact. i have tried to ratify this with the consumer reporting agency in an effort to correct the inaccuracies which includes erroneous accounts and collection attempts as well is incorrect personal information, as of todays date the consumer reporting agency has failed to correct the mistakes. damage has been done to my reputation and as stated previously a breach of my privacy. I have even lost the opportunity to seek or get credit. based upon the FTC surveys the CFPB complaints have doubled since XXXX  due to errors on consumer reports which is frustrating. violations are that the consumer reporting agency negligently and willfully violated the fcra by not following reasonable procedures to assume maximum accuracy of the information concerning the individual about whom the report relates, by not complying with the fcra re investigation requirements regarding the accuracy of information that is included in my file, by providing my consumer credit file to companies without doing the due diligence of determining if the companies even had permissible purpose to obtain my credit file, Refer to miller vs equifax info services which is a case of fact of errors on XXXX credit report that she repeatedly tried to ratify, what i am currently dealing with now. Here are a few court cases to refer to Miller v Equifax Information Services LLC or XXXX XXXX XXXX XXXX, or even the class action law suit involving XXXX to pay XXXX XXXX which all are due to inaccurate reporting, which seems like the only way for a consumer to get their consumer credit report corrected is via a law suit.
Complaint sub-issue: Funds not handled or disbursed as instructed

MoneyLion, or XXXX who is backed by XXXX, have closed my account and suspended my withdrawals, purchases, everything, in which I receive my federal unemployment benefits, due to suspicious activity.. but cant give me a straight answer. 

I have been hung up on many times by reps who are lazy or just dont know what theyre doing. They make it near impossible to speak with a supervisor. 

It is also my understanding that an account receiving federal benefits MUST be reopened within 1 business day after receiving the funds from the depositor. And it is also illegal to freeze funds especially from federal benefits. 

These people have caused myself, and my children to go hungry because my funds are locked up tight with no key. I wasnt even notified of anything on my account. No mail, email, nothing. I will be contacting a banking attorney regarding this as well. 

It even says on my app, that I can use my debit card to make purchases and withdraw cash. Nope, when I went to the atm, it said, unauthorized activity and the other said stolen card.
Complaint sub-issue: Information belongs to someone else

EQUIFAX credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of EQUIFAX not responding EQUIFAX has said that these debts which are FRAUDULENT have been verified as accurate. EQUIFAX has violated my privacy rights EQUIFAX DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant EQUIFAX permission to add these items to credit file. EQUIFAX has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and over 100 million other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Account information incorrect

I received a XXXX, cancellation of debt, form from Macy 's in XXXX 2017. Stating that the debt in the amount of {$750.00} has been discharged. I contacted XXXX 's and they explained the form so I offered to pay it and they stated that they can not accept payment due to the statue of limitations and them writing off the debt with the IRS. I then pulled my credit report and noticed that the amount and past due amount was listed {$1000.00} on all three credit bureaus. This is incorrect due to it 's either {$750.00} or {$0.00} due to the attached form which clearly states cancellation of debt. I disputed this item with all three bureaus and they stated the information was verified by Macy's/Citi. I then called them again and it seems that I keep getting the run around. This item is still on my credit reports as of today. I called Macy's/Citi and spoke to representative number XXXX and she stated the same thing that the rep stated in XX/XX/XXXX. So my point is if you wo n't accept payment because you received tax incentive and it is past the statue of limitations, take the balance to {$0.00} or delete it. This has really affected me. The FCRA states that the creditor is responsible for accurately reporting to a credit reporting agency or they must pay. Macy 's is breaking the law by inaccurately reporting.
Complaint sub-issue: Information belongs to someone else

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX  XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : 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: Credit inquiries on your report that you don't recognize

I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Billing problem

I signed a contract with drive time on XX/XX/22 and was never given 2 copies of information informing me of might rights to rescind. As if they were intentionally misleading me. I recently submitted a affidavit of rescission to drive time at XXXX XXXX XXXX XXXX XXXX fl XXXX on XX/XX/22
Complaint sub-issue: Right to dispute notice not received

Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting
Complaint sub-issue: Problem during payment process

I have tried multiple times to get Dignifi, my bank XXXX XXXX XXXX XXXX, and XXXX ( Payment processor for my bank ) schedule some time to work together to find the missing payment that has been missing since XXXX. 

XXXX XXXX has not responded to my emails asking for this, she has not responded to my Banks emails asking for this. 

XXXX has confirmed that Dignifi Payment Processor received the payment, and forwarded it correctly to Dignifi. However Dignifi is still not cooperating in terms of locating the payment. Insisting we have not provided information that is needed, insisting that the payment was sent to the wrong address and they don't take electronic payments.

Dignifi own payment processing company opened a case asking for the payment to be investigated over a week ago, Case ID # XXXX request that Dignifi respond and we have not heard back from Dignifi. This case was provided to XXXX XXXX on XXXX.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, DE, XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} MO CHLD SPRT XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00}
Complaint sub-issue: Personal information incorrect

After reviewing my credit report I noticed there are addresses as well as names on my report that should not be there.