Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello, I'm not entirely sure who I should contact with this issue so I'll start with CFPB. My husband is a XXXX   XXXX VA XXXX veteran and was able to get all of his student loans forgiven. I met him right after I finished college and have moved all over the country due to his military orders. It has been extremely difficult for me to find jobs each place we move thus making it impossible for me to cut down on my own student loan. I know he deserved to have his loan forgiven because of his service to the country but I feel as a spouse there should be some type of assistance with my student loans. I've had to sacrifice quite a bit and also my time as his care giver. I've also had to take exams to recertify my credentials to each state we have moved which further extended my chances of finding a job in a timely manner. If you aren't able to help, can you please forward this letter to a government office that might be able to? Thank you
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}
Complaint sub-issue: Personal information incorrect

Ive requested on several occasions for Equifax to stop reporting and re-inserting incorrect address to my file.They initially deleted an address that doesnt belong to me and then re-inserted this address without my permission once again. This is false reporting and they continue to this again and again. The address the continue to re-insert is listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at this address and have never request for credit or any form of housing/rent or used this address on any type of application. But they continue and are now refusing to remove this address from my file. This is a violation of my rights under the Fair Credit Reporting Act despite my request to have it deleted
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXX XXXX, XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Company closed your account

I have been a US Bank customer & have had a credit card account with them for the past 10 years. US Bank decided to take action & close my credit card account. On XX/XX/2019 I called US Bank & requested a new card be mailed to me because my previous card was damaged. When the new card was delivered at my residence I was overseas due to work. I was not able to get the card because I was overseas, & the card got RETURNED via mail to US Bank. US Bank assumed I didnt live at that address or it was ordered fraudulently. US Bank decided to shut down my credit card account without calling or contacting me to verify. I called US Bank stating my case to tell them what happened. US Bank instructed me to write a letter stating I want to keep this account open. I wrote them a letter & sent it to US Bank by fax, & they claim they never got it.
Complaint sub-issue: Frequent or repeated calls

Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need these accounts corrected or removed right away! 
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 XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA,  requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already  rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX 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 Equifax. 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. XXXX XXXX XXXX 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: Company closed your account

The nightmare started onXX/XX/XXXX when I accidently made 2 {$1500.00} payments. 

*XX/XX/XXXXMade {$1500.00} payment via Citi app *XX/XX/XXXX Made {$1500.00} payment from my banks web bank *XX/XX/XXXX I was informed by my bank that I had and overdraft due to the extra {$1500.00} payment. I immediately moved XXXX to cover the second payment. I contacted Citi and was advised to contact my bank and have them stop the payment since it was going to be resubmitted again that night. 
*XX/XX/XXXX After 2 more returned payments from Citi I called again to see if the issue was corrected.

*XX/XX/XXXX After calling daily without any explanation of why the payments were returned from Citi I re-entered my bank info ( since Citi deleted ).

*XX/XX/XXXX I made a {$200.00} payment that cleared *XX/XX/XXXX Payment of {$300.00} made and cleared *XX/XX/XXXX Payment of {$500.00} made and cleared *XX/XX/XXXXCiti Supervisor advised that hold was placed on the account and that I could not use until XX/XX/XXXX. He assured me that the hold would be removed and that there were no other issues.

*XX/XX/XXXX Payment of {$1500.00} made and cleared.

*XX/XX/XXXX I was on the phone for hours and was told that my account was closed and would not be reopen. Because I was advised to stop pay on the original {$1500.00} duplicate payment it caused my account to be closed.

I have been a Citi customer for years and have never made a late payment!! I make several large payments a month and this card is used for my husbands work expenses. None of the returned payments caused my account to become delinquent. I also paid off a high balance Citi card several months ago.

I am really upset that Citi did this to a great customer who makes their payments ontime-I bet if I was having issues with my payments I wouldn't have been treated like this!! They call when I used my card 2x at a gas station but can not call to advise me of this issue. I guess it doesn't pay to pay your bills and do the right thing!!
Complaint sub-issue: Frequent or repeated calls

I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).
Complaint sub-issue: Account information incorrect

EOS CCA is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to EOS in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and EOS took advantage of me and my finances. Please delete this account right away!
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing refuses to accurately calculate the number of qualifying payments I have made toward Public Service Loan Forgiveness. I sent in my most recent Employment Certification Form on XX/XX/2019. Based on that ECF, I have made 80 qualifying payments. FedLoan says I have only made 79 qualifying payments. The discrepancy is because FedLoan automatically ( NOT at my request ) places me in forbearance every XXXX when it re-calculates my income-based repayments for the coming year. When in forbearance, any payment I made during that time is not counted toward PSLF. I have brought this to FedLoan 's attention repeatedly. This is an easy fix. Instead, FedLoan miscalculates ( intentionally, in my opinion ) the number of PSLF payments. The effect is delayed forgiveness. I can only assume that FedLoan is aware of this and it purposefully doing this to add to its books. It's time for Congress to step in and remove FedLoan from the handling of PSLF loan payments.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I had to file bankruptcy I included all accounts I had everyone was notified throw the bankruptcy court Sunbit continued to call me over the phone at least 10 times I spoken with them and let them know I had file bankruptcy the lady on the phone said she will continue to call not only did I let them know I file but they received paperwork through the courts in XXXX I received more calls from them and I stated again I couldnt speak with them as I was instructed not to by my lawyer they turn again and posted 30 day late payments on my credit report after knowing I file bankruptcy I reached out via email asking them why would they do that as they are violating my bankruptcy rights
Complaint sub-issue: Frequent or repeated calls

I recently lost my job and since day one of that happening I contacted SkyTrailCash in order to try to work out a repayment plan since my income changed due to being laid off. I offered to make $ 40 monthly payments in order to prevent the account from defaulting even more. But all I've encountered by this company is pushback and trying to make my pay my regular payment of almost {$100.00} per paycheck. I don't know what else to do in order to get this resolved with these people. Please advise.
Complaint sub-issue: Debt is not yours

I contacted ( 2 ) collections agents Afni, Inc and XXXX who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX  ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to Afni, Inc and XXXX ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
Complaint sub-issue: Information is incorrect

So I have a balance on my rental history saying I owe {$4000.00} to a property which is incorrect so Im trying to get this resolved and off my rental history report
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022, XXXX was contacted and XXXX XXXX refused to provide proof to validate debts and refused to remove inaccurate, derogatory reports from credit bureau reporting
Complaint sub-issue: Problem getting your free annual credit report

Equifax will not allow me to view my report online in their Web site.
Complaint sub-issue: Billing problem

Flagship credit acceptance car loan financing. I have an incorrect amount in my balance. It exceeds more than the contract agreement amount..The maturity date is XX/XX/2019 which include the extension period of 3 months, originally XX/XX/2019..it charges me XXXX more after my last payment this XXXX. plus {$470.00} for late fees and other charges. Total of {$1500.00}. I am willing to pay the extra charge of {$470.00} but not the XXXX. I have written them a letter many times and the last was XXXX this year I have email them many times and i called them but they can not provide the specific answer to clarfy their computation. 
My total interest after 72 months is {$9800.00} in {$16000.00} principal with 59.26 % interest. 
My APR is 16.5 or XXXX.. it was computed total balance multiply by .1375 monthly. Which cost my APR to XXXX on my 1st yesr, XXXX on my 2nd year and XXXX on my 3rd year. Not XXXX/yearly
Complaint sub-issue: Trouble with how payments are being handled

This is a formal complaint against my federal student loan servicer, XXXX XXXX XXXX. I have made repeated attempts to try to get my manual review letter where they calculate and provide me with the number of qualifying payments I have made and the number of payments still required. The initial letter I received, dated XX/XX/XXXX, stated I would get this no sooner than 90 days from that date. It is now over a year later and I still havent received it. I called about this issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last three people I talked with ( including one supervisor ) even sent emails to management but I still didnt get a word of response. I have documented everything, if you need details. 

My other big complaint is that I have to still be working when they make the final decision. I went back to school in my late XXXX to finish my education so that I could get a good job. I was hired with the state of California 10 years ago and I am now XXXX XXXX XXXX. I have completed my 120 months of qualifying service and I submitted my application for forgiveness on XX/XX/XXXX. Making still working a condition is discriminatory in itself, but especially so for older workers. XXXX   XXXX XXXX can take as long as they like to finalize this processthere is no cap. But I dont have that kind of time. I need this to happen before XX/XX/XXXX or I have to forfeit. The letter I received from XXXX XXXX XXXX, after I submitted my application, stated the process of confirming my eligibility and qualifying payments may take approximately 30-90 days. I need it done in 36 days from today. I have done everything theyve asked and have never been late on a payment. It has been verified that the loans qualify. My job is certainly qualifyingIve worked for the State of California for the 120 months with no break in service. 

I hope you can help me and I thank you for trying.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$1000.00}
Complaint sub-issue: Can't close your account

account is closed but i can't get any information on how to transfer the remaining balance.
Complaint sub-issue: Information belongs to someone else

inaccurate information on credit please correct it
Complaint sub-issue: Was not notified of investigation status or results

In XXXX, XXXX and XXXX of XXXX, I filed a dispute with the Equifax about the unverified account : XXXX collection account # XXXX {$150.00} and {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of todayXXXX. Thank you
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I received a direct deposit from Michigan unemployment my cash app account. I was able to use the card that I had requested from cash app to make three small purchases. After which point they have frozen my account and only access to funds. I have reached out to the company via email and XXXX as they have NO phone number for contacting a human representative. I have not gotten a response as to the issue or a solution. It has been over three days since my initial contact with the company and no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.