Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

I previously have a private student loan with  Discover   Financial Services i n the amount of {$49000.00}. I also have a private loan with  XXXX  which is about the same amount along with the federal loan in excess of {$30000.00}. I incurred these loans during my 5 years in college between the years   XX/XX/XXXX -   XX/XX/XXXX . Six m onths after graduation All lenders began to request monthly payments. The combined amount was over $ 1000 monthly . Discover requesting  {$480.00} a month. Unfortunately, this was a hardship. I spoke with  XXXX  along with my mother who cosigned the loan and I was able to come to be enrolled in a program that affords me lower payments. T hen I called Discover to  see if I could get the same kind of arrangement once I explained my hardship. I was told on numerous occasions that there was nothing that they could do to assist me. Disappointed I just sent all the lenders what I could afford. I just received a letter that my loan wit h Discover has b een sent to a collecttion agency  XXXX   XXXX . I called them to explain my plight and see if they could assist with lower payments. I was told that I would have to pay {$9800.00} as an initial deposit and then {$1100.00} a month for 36 months then they would lower the payments.   If I had that I would n't need there assistance. Its a no win with them.
Complaint sub-issue: Information belongs to someone else

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus Equifax and XXXX. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Complaint sub-issue: Personal information incorrect

XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX requesting the correct Name and Address on my credit file be Updated. and the removal of any other names and addresses to be removed due that they are not deliverable to me by the U.S. post office and they are not reportable to the FCRA, since they are inaccurate. Equifax stated that they cant remove the address or correct my name on my file. this is an issue that I've tried to fix without it coming to me filing a complaint on XXXX XXXX XXXX XXXX, XXXX. I'd received a letter stating Address XXXX XXXX XXXX XXXX XXXX ill XXXX was removed, which I will upload with this complaint, But I'm still seeing this address on my file as of today XX/XX/2018. I spoken to Equifax on todays date and the representative stated its still on my file.
Complaint sub-issue: Problem accessing account

Being able to get a pay day loan from online apps. They keep loosing connection to my bank account randomly when it has been working fine for months.
Complaint sub-issue: Information belongs to someone else

I never heard of this company before. I am not the owner of the student loan from IOWA XXXX XXXX, I contacted Equifax and address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an e-Oscar. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX  known as XXXX XXXXXXXX wasnt opened or authorized by me. Please remove! Report attached!
Complaint sub-issue: Public record

The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified by " case number '' : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
Complaint sub-issue: Information is not mine

I had filed several disputes to Equifax XXXX XXXX Department and to no avail I have gotten anywhere with them on ( XXXX ) accounts that are not mine I even took them to court in small clams and won judgement of {$1500.00} but they have yet to pay the court cost of {$58.00} which they said they would nor did they removed those ( XXXX ) accounts on my business credit report. Since then they have block my credit from creditors from pulling my credit to establish credit with a home mortgage loan, car, and even joining a monitor service
Complaint sub-issue: Other problem getting your report or credit score

Equifax did not provide access to their services online at myequifax.com.
Complaint sub-issue: Public record information inaccurate

Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter
Complaint sub-issue: Account status incorrect

I had an auto loan through Ally Financial for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/2020 my credit score went down 51 points on XXXX XXXX and 69 points in equifax. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called XXXX XXXX but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. Equifax does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.
Complaint sub-issue: Information belongs to someone else

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/XXXX, a representative from XXXX collections company called me and left a message. I called them back immediately and was transferred to the agent who left the message. The man told me I owed {$1800.00} to XXXX and that the company asked him to call me before they got XXXX XXXX XXXX involved. I asked if they are planning to sue me then since he said they were planning to get XXXX XXXX XXXX involved. The representative denied that he said anything of the sort and I asked him why XXXX XXXX XXXX would get involved unless they were planning legal action. He didn't really address that question. I asked for detailed information on the debt, account info, original contract, etc. and he said they sent me a letter ( which I never received ). He said he could email me the letter and I asked him to. When I received the letter, there was just the amount they said I owed, with absolutely no itemized breakdown of charges or original contract. Just a letter with company letter head. I watch my credit carefully and just refinanced my home. I don't have anything from XXXX on my credit and I don't recognize the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Equifax. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I filed an Official Identity Theft Report through the FTC including a local police report in XXXX 2017 after finding accounts on my credit report that were not mine. 
XXXX has failed to remove the accounts that are listed on the ID theft report and they are still reporting on my credit report which is in violation of FCRA. 
The following ( 3 ) accounts should have been removed as they are considered fraud : XXXX XXXX XXXX XXXX Account # XXXX ( Listed 2 times using different amounts ) XXXX XXXX Acct # XXXX ( account # has been falsified in order to evade removal by collection agency ) Amount {$700.00} original creditor : XXXX XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX  has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.
Complaint sub-issue: Information belongs to someone else

Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is against the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details. I just wan na better myself in life dont put all this stress on me.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX, CitiBank agreed to deposit {$400.00} into my checking account within 5-7 business days, per CFPB complaint XXXX. It has been 14 business days, and CitiBank has not deposited {$400.00}, nor responded to my messages. I took the following actions : XX/XX/XXXX : I sent a followup email stating it has been 9 business days, no response. 
XX/XX/XXXX : Sent a followup email stating it has been 11 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was told " XXXX '' wasn't available and " no one else '' at CitiBank could possibly help. Left message, no response. 
XX/XX/XXXX : Reached out to @ XXXX customer support on twitter. Escalated for an " immediate review ''. No response. 
XX/XX/XXXX : Followup email stating it has been 14 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was directed straight to a voicemail despite it being business hours, twice. Left message, no response.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account immediately.
Complaint sub-issue: Reporting company used your report improperly

Good evening. someone has used my identity to try and open some account that i am not aware of. 
XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX `XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX `
Complaint sub-issue: Account information incorrect

One more time, I can not be late in XXXX when I paid it off in XXXX. Still there are accounts now showing 120 days late in XXXX of 2020. Almost 18 months after this was paid. This is retaliation for asking them to report correctly
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to Equifax on XX/XX/XXXX, and they haven't responded yet with the results. They were supposed to respond in 30 days, but they did not.
Complaint sub-issue: Account status incorrect

Fraud inquiry on Equifax report : XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry XX/XX/2022 2022
Complaint sub-issue: Account information incorrect

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. 

1. XXXX XXXX | Unverified Account
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting the credit bureau present proof to me that I opened up a XXXX  XXXX XXXX account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inaccurate information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inaccurate information which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.