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

In order to pay for college, I applied and was given a multiple student loans by SallieMae. Due to COVID as well as my mom being diagnosed with XXXX  XXXX XXXX XXXX, I had to temporarily put my studies on hold. SallieMae refused to work with me and, dispite not having any sort of income, demanded an obscene ammount of money. The cosigner contacted me and has told me that SallieMae threatned him with law enforcement action.
Complaint sub-issue: Can't use card to make purchases

I have filed a dispute claim with Citi bank credit card in XXXX of XXXX after my card was stolen and used to make an unauthorized purchases. I contacted citi bank to notify them of the issue and make a claim I also updated my address on file because I recently moved to a new apartment in the same complex. I was sent a new card however the card was sent to the the incorrect address which was the old address. Once I received the card I contacted citi bank once again to notify them that they still are sending me mail to the incorrect address after I gave them the new address prior to the mail being sent. After the call I was then told my account is restricted. I received a new letter in the mail stating my account is restricted. I contacted the company and they stated that im going to get another letter in the mail with a code. It is now XXXX of XXXX I still have not received this letter and have contacted them every week regarding this matter and they are still not resolving the matter nor have they resolved the dispute.
Complaint sub-issue: Personal information incorrect

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

jefferson capital system llc. XXXX XXXX XXXX XXXX XXXX mn XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$300.00}, assigned date XX/XX/2019 the collection has been reported as past due balance. i do not know this company. i have never done business with this company. this company does not have a contract with my signature.
Complaint sub-issue: Information belongs to someone else

i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from Equifax which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car
Complaint sub-issue: Information belongs to someone else

I recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.
Complaint sub-issue: Was not notified of investigation status or results

I disputed an account on my credit report and asked for it to be removed per inaccurate information. I received notification that it wasnt reporting on Equifax report. I called agency because when I pull up my credit report it is still showing and they have no idea on how and why.
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 and XXXX XXXX XXXX XXXX have violated my rights within all three credit bureaus. 

15 U.S.C 1681 Section 602A states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction/consent within all three credit bureaus.
Complaint sub-issue: Problem accessing account

To whom it may concern, On XXXX XXXX, I opened a business account at U.S. Bank XXXX XXXX XXXX Missouri with my Partner XXXX XXXX XXXX, Her husband is the Manager of our Business named The XXXX XXXX XXXX and he also had signing authority. All three of us were signatures on the account. 

I became suspicious of financial misconduct in XXXX of 2019 and requested financial records and documents from my partner and manager. Please note I am a 50 % owner. The manager is NOT an LLC member but a Employee. 

When I requested these records they refused to provide them and I hired an attorney. On XX/XX/2019, My Attorney XXXX XXXX sent a demand letter to the Manager XXXX XXXX and XXXX XXXX the other 50 % owner. This was still refused. I went to U.S. Bank to obtain cancelled checks and bank statements that were being sent to the NON operating address of XXXX XXXX and not the Company Address. 

When I presented to the Bank I was told that the parties had presented to the bank and stated there was a fight over the company and they removed me from the account without my signature or permission. also Please note ... They did not withdraw the money and open new accounts, they removed me from the business account against my will. 

I filed a complaint with US bank and requested documents from when I was an account holder and also anything I had supposedly signed. The bank refused to provide me with copies of anything holding my signature or any bank records from when I owned the account forcing me to go through the legal system 's long drawn out process to obtain these documents. To this end, due to the court system and after my attorney has even called them, I still do not have these documents and they repeatedly refuse to provide me with them despite being legally entitled under Missouri Law. 

As such, it has been discovered that the above mentioned parties have used this bank account to divert moneys to other accounts for the purposes of Fraud and Embezzelment. Multiple lines of credit have been opened in the companies name without my consent. 

Now, because of such delays, they have continued to use this account to Embezzel funds, run a payroll fraud scheme and the company and myself are financially harmed. I suspect that the Business Bank person " XXXX '' who removed me at their request without any signature, is involved. These people have Multiple shell business accounts at this bank. These businesses do not have employees and are utilized for tax fraud. Multiple employees have discovered Taxes withheld and stolen from them. This bank has damaged everyone and they are involved in the misconduct.
Complaint sub-issue: Reporting company used your report improperly

Equifax not only suffered a security breach for several months, they neglected to notify affected parties in a timely manner. They also are only offering a single year of identity protection, and persist in charging for credit freezes to mitigate damage going forward.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.
Complaint sub-issue: Trouble with how payments are being handled

Loans were initially through Discover. In XXXX refinanced with XXXX. On XX/XX/XXXX XXXX issued a check to pay off {$31000.00} of loans with Discover.  On XX/XX/XXXX, Discover took out the monthly auto payment. Contacted Discover and they said they never received a check and I would need to get a copy of the cancelled check from XXXX. They have since sent two copies of the cancelled check to Discover. Reviewing the Discover account in XXXX, the check still had not been posted. Contacted the customer service center at Discover. They said they had notes that they received copies of the cancelled check, but wanted me to provide the ABA and Acct #. I explained that the payoff was from XXXX and I did not have that information. Their response was that an investigation had to be initiated before the check could be posted, and they agreed not to take the next auto pay due on XX/XX/XXXX until this was resolved. 60 days later they still have not posted the payoff check, they have deducted the autopay from my bank account and now XXXX is also taking payments for the refinance they processed. How do I get Discover to process the loan payoff properly?
Complaint sub-issue: Account information incorrect

I sent numerous letters to the credit bureaus over a long span of time and they did not respond. I never received mail that they even considered my disputes.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I've had a Citi Bank Card for years and haven't had any problems, in the last two months I've had to Cancel my card twice.

I keep getting fraudulent charges on my card, it seems to go thru, I asked the Credit Card Company what I can do to prevent it and really didn't get my answer. I know it's hard to stop this stuff but twice in two months? And then I have to wait on another Card, I know it takes time to send them out.
Complaint sub-issue: Public record information inaccurate

I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to  be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

Ive been waiting for PSLF forgiveness since XXXX. I have over XXXX payments on XXXX loans!
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the Equifax data breach. This has been a stressful experience for me
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax collected my personal information without my consent and then did not keep it secure.
Complaint sub-issue: Can't get flexible payment options

As of today 's date, the amount on my Parent loans is approximately {$36000.00}. The original loans totaled {$21000.00} without interest. The interest accumulated is $ XXXX ... only {$6000.00} shy of the amount loaned! At the time I incurred this debt on behalf of my twin daughters, our household income was {$90000.00}. Now, due to an unforeseen layoff, I qualify for a {$0.00} payment due to my income level from work which is, and will remain {$0.00} since I am XXXX and can not secure work. However, rather than reapplying each year for ( IBR ) or pay as you earn or ( ICR ) until death, it was and is my desire to renegotiate the terms to settle this loan. I tried with the Dept. of Education through both XXXX and now Nelnet to settle my debt by either paying the interest or the original balance or a small portion of what 's due rather than nothing at all and then being forgiven through special circumstances or with President Trumps forgiveness of loans after paying {$0.00} on them after 15 years which would put me in my late XXXX. I know others have renegotiated terms but only after they 've defaulted on their loans ... something I will not do. I want to repay my debt and find it difficult to believe that they 'd rather have me take bankruptcy or be in default so that they 'd end up get nothing rather than renegotiating terms to settle and at least get a portion of what is owed to them. I am willing to pay the initial amount borrowed ; surely they are in a position to waive all the thousands of dollars of interest accumulated up to this point ... from the year XX/XX/2008. We have been at this for a couple of years trying to work with Ombudsmen who have no authority and other agents who have even less with no resolution. I hope you can help. Thank you.
Complaint sub-issue: Received bad information about your loan

Nelnet did not have my correct contact information to provide me with the repayment plan after my graduation of the 17 loans I have with them, therefore making my payments on my accounts with Nelnet XXXXXX/XX/2017 late. I called them after seeing the information on my credit report to resolve the issue and have been making payments on time ever since the issue was resolved. My credit report is now ruined due to this mistake, and I am unable to get credit cards, loans, etc.
Complaint sub-issue: Account information incorrect

Equifax should not be reporting the XXXX XXXXXXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXXXXXX XXXX I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Equifax. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.
Complaint sub-issue: Debt is not yours

This debt is not mine, my account was subjected to fraudulent activity I provided a letter for TRS to recover to prove this debt is mine they still havent provided Im a victim of identity theft/forgery.
Complaint sub-issue: Talked to a third-party about your debt

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Requested a credit card product change from Citi for coverting Citi XXXX XXXX XXXX credit card to XXXX XXXX XXXX credit card. The card was converted but credit report was hard pulled without consent. No warning was given that a hard credit inquiry will be done for changing credit card products even though credit line remained the same.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Equifax provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Equifax is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. 
Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer