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

I was laid off by my employer in XX/XX/XXXX and was making small payments to Discover Student Loans to keep my loans current. I was receiving unemployment benefits from XX/XX/XXXX which have now run out as of XX/XX/XXXX. I called Discover Student Loans and spoke to the representatives and managers to explain to them that I have no income and was on unemployment and they all told me that they can not do anything to defer/forebear my payments. I currently have no income coming in and I am actively looking for employment but can not defer/forebear my loans due to financial hardship with Discover Student Loans because they tell me that I am locked into a payment plan and have to make 6 consecutive payments of the minimum of {$920.00}. I currently have to make a minimum payment of {$1700.00} to bring my loan current as it is delinquent. The Senior Account Manager, XXXX, who I was explaining my hardships to told me that I should " borrow money from someone '' or seek out my co-signer, who is my mother, who is unable to assist me due to her high mortgage payment. They told me that there is nothing that I can do and that my payments will continue to increase and they will report my delinquency to the credit companies. I was able to stop payments on my government loans due to my financial hardship but Discover is refusing to assist me with this since I have a " special private loan '' with them. I have no idea what to do at this point and my credit is completely shot. Additionally, they call and harass me all hours of the day and night and I am at my whits end and I explain my situation to them every time I speak to them and they all tell me the same thing, " there is nothing we can do for you and you have to make the minimum payment or else the loan will go into delinquency and be reported to the credit agencies. ''
Complaint sub-issue: Old information reappears or never goes away

Jefferson Capital Systems located at XXXX XXXX XXXX XXXX XXXX, MN XXXX purchased a debt that is more than 3 years years old and reported on my credit of a new account with new delinquent payments in XX/XX/2019 as if to appear that it is a new account when in fact it is not.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

" Potentially Impacted '' by the recent Equifax security breach
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.
Complaint sub-issue: Fraudulent loan

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat  I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

on XX/XX/2021 I found an unauthorized transaction XXXX XXXX XXXX XXXX  charge {$85.00} XXXX on my Discover credit card. I called and disputed this charge with Discover. They investigated it and they said this charge was valid and refuse to reverse {$85.00} to me. The Discover told me I need to contact with XXXX XXXX to get a solution. 
It is just because the XXXX company have provided some documents to Discover? so I have to pay this charge? It is unfair for a customer like me. 
Case Number : XXXX Merchant Name : XXXX XXXX Dispute Amount : {$85.00} I think the credit card fraud use is not a consumer 's faulty, right? My vehicle is small XXXX XXXX XXXX XXXX the full tank is about 15 gallon at most XXXX and never can add over 25 gallon, {$85.00} XXXX unauthorized transaction by somebody ). 

After this unauthorized transaction, I was frozen the credit card so nobody will be continue to use it again. But on XX/XX/2021, I found somebody used the card again on XXXX gasoline station - XXXX XXXX and fortunately I blocked it. 

Please advise me how should I do for this situation? Thanks you very much XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Elan Financial services obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Elan Financial Services obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Complaint sub-issue: Account status incorrect

I have sent multiple letters, disputed and called many times to get my accounts reported correctly. XXXX accounts are being reported past due 90 days but the comments on my reports says past due 120 days in XXXX. This is an inaccuracy that is putting my housing in jeopardy. I am currently unable to get approved for a mortgage because of this and it is causing great hardship to me and my children. I called Nelnet XXXX time XXXX and none of the representatives are able to provide me with notices that would have provided me information on when to pay and how much in XXXX. The reps were only able to provide me with a statement from XX/XX/2019 but this does me no good if this is the only notice that was sent as the late payments had already occurred. Furthermore they are unable to explain why all of a sudden payments were required. I contacted all three bureaus to get this corrected and they all referred me back to Nelnet. When I dispute with the bureaus the results come back updated. On my phone call with Nelnet, on a recorded line I asked for validation of late payments I was told they couldn't send it to me, unacceptable. Nelnet requires me to have said correspondence from XXXX but as the sender can not provide validation or notices of payments. This has been detrimental to me securing housing for my family.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Cash app took XXXX out my bank account without my permission
Complaint sub-issue: Funds not received from closed account

Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, the XXXX 's account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX  XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXXXXXX XXXX, they do have the funds. Attached is the letters of XXXX  XXXX XXXX and XXXX XXXX and the proof of transmittal. 
Per XXXX XXXX XXXXXXXX 's letter, please reach out to the ACH processor ( XXXX ) and request the funds to be re-called
Complaint sub-issue: Problem accessing account

I am trying to verify my account thru plaid. And it won't let me log in with my credentials. Saying I have to use acct and routing number. I need to get this think done
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I am XXXX XXXX and Im submitting this complaint myself and third party was/were involved.I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute.This information is unauthorzied and I did not approve it to reflect on my credit reports. I belevie I may be a victim of identity theft. I have a security lock on my credit reports and I was not alarted to this information being authorized on my credit reports and I am insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and delete the disputed items, As soon as possible. thank you
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax has placed my brother 's XXXX XXXX XXXX XXXX loan account under MyEquifax account. I have never applied for a loan nor have I applied for any line of credit. My brother 's XXXX XXXX XXXX loan account is dated for XX/XX/2020. It is a paid and closed account. The amount was {$3500.00} His loan account details need to be separated from. 
Equifax also has our information crossed. My brother and I have tried to get Equifax to resolve these issues, and we are having a hard time getting them to understand that we are two different people.
Complaint sub-issue: Reporting company used your report improperly

Equifax Security Breech Complaint Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX  residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Attempting to verify identity on site resulted in positive result for data breech, however offered solution is to wait for Equifax to offer identity protection service while giving up any ability to recover losses due to improper usage of data collected via legal methods.
Complaint sub-issue: Problem getting your free annual credit report

Equifax has completely lost my credit file. I was a victim of the data breach in XXXX. Since XXXX of XXXX Lenders are unable to access my report neither am I. I have been trying for 8 months to get this issue fixed. It has become a major burden as I am now trying to gain approval for homes, cars etc.. I have a credit score of XXXX but equifax has no record of it when I try to pull my report on XXXX XXXX XXXX I am also not able to create an account on their website either as it gives me an error when trying to get my report as if I dont exist. I have spoke with them more than 10 times about this and each time I am told the IT department will reach out to me but I am never contacted. I need my report ASAP
Complaint sub-issue: Public record information inaccurate

Equifax is reporting a bankruptcy on my credit report. I asked Equifax to properly verify this information. I requested that the description of the procedure used to determine the accuracy and completeness of the information be properly verified.. That is, please providing the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my name. 
Equifax responded by using a third party for profit company called XXXX to claim that is how they verified the information. That is NOT what I asked of Equifax. 
Equifax needs to properly verify this information by providing the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my name.
Complaint sub-issue: Information belongs to someone else

There is an account on my credit report that I have sent in police reports and asked the company to remove off my credit report because is is fraudulent. It was opened in XXXX 2017 and the amount is {$1400.00} it 's saying on my credit report. I have been asking the company to remove it and they have n't when all other credit agencies have after only asking once. They have also dropped my credit score almost 100 points after me contacting you the first time. If you look back I still have an open case being investigated and equifax has yet to respond. I am XXXX and the equifax company is making my life even harder because of there fraudulent reporting. I am thinking about perusing legal action if my credit report is n't fix and my score does n't get updated. They are also negatively reporting false balances which I have asked them to update several times. I am starting to think they are XXXX because a XXXX friend of mine has a horrible credit report but her credit score is high and I have a great report accept with equifax do to there false reporting.
Complaint sub-issue: Received bad information about your loan

OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.
Complaint sub-issue: Their investigation did not fix an error on your report

Received a copy of my Equifax credit report and notice some inaccuracies, specifically a bankrupticy. Sent request for there method of verification and Equifax replied on XX/XX/XXXX with file # XXXX saying the account was verified by XXXX. Appalled by this, I went to XXXX directly to verify this information and during there investigation XXXX couldn't verify the information themselves as a result of there investigation has removed and deleted the inaccurate unverified bankruptcy on there files as of XX/XX/XXXX. As a result of the investigation XXXX disputed the information on my behalf to Equifax directly on XX/XX/XXXX and as of XX/XX/XXXX no response. So as a follow up I sent the results of the investigation XXXX letters enclosed XXXX  that the bankruptcy was unverified and has been removed from XXXX files received by Equifax on XX/XX/XXXX and responded on XX/XX/XXXX with file # XXXX stating the bankruptcy is VERIFIED as accurate and reporting correctly. How after XX/XX/XXXX can Equifax verify something that is not on XXXX files? Either they lied or never sent the information for verification to XXXX and just sent a computer generated response. Why hasn't Equifax responded to XXXX dispute on my behalf which has been over 30 days and why say something is verified when its can't be. Equifax is reporting unverified inaccurate bankruptcy on there report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Bank XXXX resolve fraudulent charges as promised. Several attempts to resolve with company.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, Equifax, & XXXX  and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification.

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. 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 and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

I called Equifax and notified them that there must be a mixup with my file due to the account is not in my name. They removed XXXX. XXXX and XXXX Bank were those removed of the XXXX. As if today, they appeared back in my report. Also, there are XXXX collection accounts that do not belong to me. Please remove the XXXX negative accounts and collections from my file as they are hindering my ability to obtain credit.
Complaint sub-issue: Account information incorrect

My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ XXXX XXXX and three are showing up despite the accounts being paid in full, having XXXX balances, two being closed, and one being open. XXXX XXXX is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

CoreLogic Credco is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX ). How can I get them removed/updated? 

I am desperate right now.
Complaint sub-issue: Not given enough info to verify debt

I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded