Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

JEFFERSON CAPITAL SYSTEMS Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX CONTACTED COMPANY TO REQUEST PROOF OF SERVICE NO RESPONSE OR DOCUMENTS TO PROVE THE VALIDITY OF HER CLAIM
Complaint sub-issue: Trouble with how payments are handled

Fedloan took over servicing for all my federal loans. They consolidated then and now I am asking for a due date change and they refuse. They will not work with me. I want to pay but they refuse to do anything to even help me. Shaday the customer service rep was very rude and talked over me. I asked for a supervisor. I wasn then transferred to XXXX who explained that they will not change the due date from an ICBR payment plan. While I was not advised of this, nor did I know I was locked in a forced to stay with that due date until today. When I had called on XX/XX/2017 the agent I spoke to incorrectly told me information in which Fedloan will not honor. They have a nasty habit of telling me wrong information, which then hurts my credit and hurts my payment history. I have worked hard to stay in communication with this lender but they will not work with you, they will not help you. The answer I always get is pretty much " Tough '' while their website is littered with saying to call in if you are having trouble making payments, or need to change due date. When I filed the ICBR there was NOTHING in any fine print, nor was it ever mentioned in conversations with Fedloan I was locked into that due date. I am now getting constant letters and calls, I am not able to EVER see up to date information because of their computer system. I made a payment on XX/XX/2017, the payment cleared my bank this morning at XXXX on XX/XX/2017, yet Fed loan wo n't show a posted payment until at least XX/XX/2017 making this reflect an additional several days late to my payment. The payments in the past made on Friday would be honored on that date even if it had clearned on the Monday after the weekend. I feel Fedloan is playings, inconsistant and unwilling to even work with borrowers. I can never ever get the same answer twice from them. It 's not right and it is morally and ethically wrong of Fedloan to operate in this manner. Countless student loan lender problems and NOTHING has been changed. NOTHING done at all to help just more frustration from Fedloan every day when I just want to make my payments on time. I was told I owe them XXXX bucks but my account shows pending payment still even though my bank statements CLEARLY show in black and white the payment was made, recieved and cleared and yet I am still 4 days late according to Fed loan. Why is this happening? Why am I denied current access to real time information of my accounts? I will never ever be able to pay off my student loans if they refuse to even compromise when I am begging them to take my payments on a date I know I wo n't be late! Why would any company turn down a customers money?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX No. 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.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022 I pulled my consumer report to find ProCollect Inc is reporting inaccurate information on my consumer report on XX/XX/2022 I sent a letter ( USPS Tracking # XXXX ) requesting to validate the alleged debt. On XX/XX/2022 ProCollect Inc responded with a letter dated XX/XX/2022 alleging that the debt was valid without the requested documents to validate the alleged debt.
Complaint sub-issue: Debt is not mine

DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
Complaint sub-issue: Company closed your account

I call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a US Bank Reliacard from Cardholder Services in Indiana. I do not have an account of this kind with US Bank. I tried without success to contact US Bank. Then I called CFPB and was told that this is part of a nationwide scam and not to activate the card. I was told to report it to Unemployment Services in Indiana, but the website does not address this problem. What should I do next?
Complaint sub-issue: Was not notified of investigation status or results

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to Equifax, XXXX, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Complaint sub-issue: Other problem getting your report or credit score

Ive been in the process of applying for a mortgage for the past several months. The XXXX obstacle stopping us from obtaining the loan is Equifax. 

My lender has been unable to access my credit report from Equifax, and so have I. I have repeatedly contacted Equifax to resolve the issue with no avail. Ive been asked to send in documents to verify my identity over and over again. Starting in XXXX, I have sent in several copies of my drivers license and social security card after being told that the previous attempt failed. 

I have lost complete faith in this company as I have sent in my documents over XXXX times now, and have still been unable to access my credit report. I am unable to get a loan because of them, and have lost tens of thousands of dollars as rates have gone exponentially higher.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX, have 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 an account with my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

The following companies did not reinvestigate the alleged accounts. XXXX  XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.
Complaint sub-issue: Old information reappears or never goes away

I was a victim of identity theft. Equifax removed everything from my credit report even items that were n't disputed along with auto loans that are currently active. and 2 auto loans that i had previously paid off this has caused even more harm to my credit.. They have blocked these items from my credit reports. Equifax has also reinserted 3 items that were deleted due to the identity theft. These items do not belong to me. i was not notified at all by equifax or any one else of these items being re inserted XXXX XXXX Reported : XX/XX/XXXX + {$52.00} Needs Attention XXXX XXXX XXXX XXXX XXXX .
Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too
Complaint sub-issue: Company closed your account

On XX/XX/XXXX The company owes me about {$700.00}. 
I had a fews dispute, and the money was coming back to my bank because I won the disputes. 

US Bank kept taking the amounts of money I won back, out of my bank. 
XXXX the last amount of money that I got back, it was around {$55.00}, and they told me that I won the dispute and that they would put the money back on my account, but had bring a letter in or contact them. 

I did not know they wanted me to come into the bank because I did not read the letter that they wrote me to come into the bank because sometimes I don't check my mail. I went to the physical bank because I was wondering why I could not hear my bank balance for my debit card when I called in on the phone, they said because I did not bring the letter into the bank or contact them, so they had to close my account. 

So since I did not contact him or bring the letter in they had to close my bank account. 

They sent my account into overdraft for no reason. 
I did not put any charge on my account whatsoever to go into an overdraft. 
It was their fault, not mine. 
Plus I won those disputes fair and square. 

This is what they said in the letter that they sent me. 

We are writing to notify you of an update regarding the recent transactions you alerted us to on your account. 

On XX/XX/XXXX we requested additional information from you concerning your dispute with XXXX XXXX in the amount of {$59.00} Side note : By the way they did not reach out to me on XXXX the XXXX XXXX. 

Continuing the letter. Unfortunately we have not received a response to your request. Without the requested information, we are unable to assist you in resolving your dispute. 
Due to the above circumstances on XX/XX/XXXX we will be reversing the provisional credit previously issued to your account on XX/XX/XXXX in the amount of {$59.00} plus any applicable fees previously refunded. 

Please contact us if you would like the information used during our research. Thank you for your patience and cooperation throughout this process. No further action is needed at this time. 

If you have any questions kind of please contact card member services representatives at XXXX. We are staffed XXXX hours a day, XXXX days a week. We accept relay calls. 

We truly value your business and as always, you can view and manage your account in the US Bank mobile app or at XXXX 

Sincerely, card members services. 
This letter was sent to me on XX/XX/XXXX. 

Please help fix this issue for me. I also wanted to include that the people who talk on the phone at US Bank were being very rude to me when I was trying to file my disputes. 

Thank you guys, please tell them to open back up my account so that I can have my bank account and so that I can receive the rest of my money from my disputes. Thank you so much. Have a good day.
Complaint sub-issue: Information is not mine

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Complaint sub-issue: Other problem getting your report or credit score

Equifax will not release my credit report to mortgage broker so I can apply for a loan. They told them the address and birth date were incorrect. I called Equifax with my information, my birth date and address were enough to verify I was me but yet I was told my birth date didn't match with what was on file ( though it did just a few months ago ). When I asked why, I was told a company likely reported it was different and they accepted it at hand, but won't tell me what company it was ( even though it could be negatively affecting my score ) nor the birth date they showed. Then they said they showed no birth date on file for me, which can't be right since they provided another broker with a report just a few months ago. 

Now, in order to verify my birth date, even though they said I had correct month and day, but not year and then XXXX minutes later, no birth date, I have to mail just a copy of my identification and social security card to their dispute department. 

First, this doesn't seem very secure for very personal information. Secondly, how can XXXX reporter change all my info and not send a red flag to them? I have numerous credit cards, a credit line and a loan all reporting same information, but XXXX company can change it all? Why am I not allowed to know who changed it, as it could be a fraudulent account or attempt to steal my identity? This just does not seem right and like there's something more that should be and can be done.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX  Account Number XXXX. Inquires as follows XXXX XXXX and 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
Complaint sub-issue: Their investigation did not fix an error on your report

I had asked for reduced payments with LendinfClub so I did not miss any payments since I had lost my job in XXXX 2020. LendingClub granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from LendingClub. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to LendingClub falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by LendingClub still reporting those XXXX  payments as delinquent. I need help!!!
Complaint sub-issue: Information belongs to someone else

I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO OPEN CREDIT CARDS AND GET MEDICAL CARE.
Complaint sub-issue: Account information incorrect

I charge XXXX on my XXXX XXXX XXXX every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month equifax and XXXX pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Banking errors

USBank XXXX XXXX  XXXX account for my business issued checks from bank and info on these transactions is being sent via email to a former business partner without my consent. They wont correct the email on their end. I have asked for a formal investigation with no response. They want me to cancel bill pay and redo but I want them to fix this on their end. When former business partner left 4 yrs ago we closed business account and each opened up our own separate accounts on different days with our own personal information provided. This former business partner thought her account was hacked when she received info on checks she did not issue. She recognized a vendor of mine last month and sent me a text of an email she received. The bank claims to not know how this happened and says they cant fix it in their end. I want a formal investigation and reassurance that this has been corrected and what they are doing to prevent it from happening again
Complaint sub-issue: You never received your bill or did not know a payment was due

Sears Credit Cards, XXXX XXXX, SD I never received the statement with a payment due date of XX/XX/20. Only found out when I received a phone call saying the account is past due. I then paid via electronic transfer the full amount of {$410.00} including a late fee of {$28.00} and interest of {$6.00}. I had previously signed up for paperless statements and when I did not receive one, was told that it was returned and no further communication was attempted so a service charge was put on my account. I cancelled the paperless and now the same thing is happening with mailed statements. Wondering if this is a way to add fees and charges as I never carry a balance and have an excellent credit score.

Sears Credit Cards responded that it is a valid charge.
Complaint sub-issue: Personal information incorrect

I have sent in two certified letters to all three credit bureaus and the issue still has not been resolved as of this day. I also have received in the mail a data breach. I also send a copy of a police report when my personal information and purse were stolen.
Complaint sub-issue: Account status incorrect

I was lost my job due to the pandemic I called Citibank immediately letting them know I lost my job but got another job. Due to the gap in pay periods before the break job started I notified Citi I needed my payment date to be extended. The representative assured me that there would no penalty and allowed me To skip a payment. I made a payment by scheduling it with her. When the date came for the automatic payment I noticed it wasnt showing on my citi app but there was a banner that asked if I had difficulty paying to lol at payment options. I clicked the banner and scheduled the oayment Im a week. 
I now have a job Im able to pay my balances off. I work for the XXXX XXXX and I have a security clearance I can lose my security clearance over negative credit reports. I have never been late before and citi lied and misrepresented themselves. They have also lowered my credit limit even though i have made large payments to other credit cards to lower my utilization. With the reported late payment and lowered credit limit my score lowered by 70 points and its not fair. I can lose my clearance