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

My last payment was in XX/XX/XXXX. I have struggling throughout the pandemic and am on the brink of homelessness. I called to see if I could pause payments for 6 months and get a forbearance to bring my account current ( XXXX past due ). After being transferred around to three different reps asking the same questions and also asking for private information not related to the loan. Ex. If I have any interviews scheduled. Sallie Mae rep stated the only option I had was to pay. I have no money. I am about to be living in my car. Sallie Mae then stated again I have to pay. I stated again I have {$0.00}. They said there were no other options. I asked them what would happen with this loan if I died, since my XXXX father cosigned- if they would come after him. The rep stated that the loan would be written off. I replied with " I guess there's not No Options then '' and hung up. 

Sallie Mae called the local police to go out to my home and harass my XXXX father and myself at XXXX at night under the guise of a " wellness check '' The police demanded entry to my home and grabbed the security door knob twice trying to enter. The officer said that " she called and said you told her you were going to kill yourself '' which is a blatant lie. Sallie Mae rep called and lied to the local pd. Who not only attempted to enter my home, harassed my XXXX father and had their hands on their guns the entire time. Luckily, I know my rights and they left without incident. 

They stated the phone call was recorded so there's a record with them. I didn't record it myself but will be recording everything from them going forward. 

Orginal loan amount : XXXX Original disbursement date : XXXX Repayment since XXXX Current balance : {$8500.00} 86 days past due Last payment received : XX/XX/XXXX Amount of last payment : {$370.00}
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Any 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: Reporting company used your report improperly

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} In accordance with the Fair Credit Reporting Act XXXX  Account # 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I tried to contact LEXISNEXIS to get incorrect information listed on my MOTOR VEHICLE RECORD removed and the representative that I got on the phone advised me to contact XXXX XXXX back as they are the ones that submitted the incorrect information to LEXISNEXIS. Here is details : I filed a claim with XXXX XXXX regarding damage to my vehicle. The estimate was for XXXX with a {$500.00} deductible which resulted in XXXX XXXX in the process of issuing to me a payment of {$71.00}. In regards to issues with the bank account they were to send the {$71.00} to I asked of my Claims Advisor over TELEPHONE that the ENTIRE AUTO CLAIM REQUEST be CANCELLED. XXXX XXXX my claims advisor stated that she reversed the direct deposit of {$71.00} and CLOSED CLAIM OUT. Well to my surprise XXXX XXXX has reported the accident to LEXISNEXIS ( which handles MOTOR VEHICLE REPORT DETAILS ) that there is an accident listed under my MOTOR VEHICLE RECORD ( MVR ) OF AN AT FAULT ACCIDENT WITH PROPERTY DAMAGE OF $ XXXX WHICH RESULTED IN MY HAVING XXXX POINTS AGAINST MY DRIVING /INSURANCE RECORD. So when I contacted other vendors for auto insurance the rates was excessive and when I ask why I am told that because of the " XXXX points '' on my MVR listing an AT FAULT ACCIDENT IN THE AMOUNT OF $ XXXX I have contacted XXXX XXXX about this and was advised to call LEXISNEXIS and when I spoke with LEXISNEXIS I was advised that XXXX XXXX is the company that gave that information and I would need to contact them back to get corrected. Well as of XX/XX/2021 that information is still on my MVR report WHICH IS INCORRECT and I can't get XXXX XXXX to remove it. I NEVER RECEIVED A PAYOUT FOR PROPERTY DAMAGE WITH XXXX XXXX FOR CLAIM # XXXX IN ANY AMOUNT. PLEASE HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified the credit bureau on several occasions that the reporting of XXXX is incorrect. I have obtained a letter from XXXX verifying that my account with them was current and that there are NOT suppose to be any lates reporting on my credit report. XXXX told me that all negative reporting should be removed and they would give me a letter verifying this information, which they did. I have forwarded the letter to the credit bureaus reflecting that my account needs to be reported as current with no lates on the report. However, due to the credit bureaus negligence, I have applied for credit and their false reporting has affected me in getting a loan. I was denied credit based upon their negligence in credit reporting and the credit bureau should be assessed a hefty fine due to their negligence.
Complaint sub-issue: Company closed your account

CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. 

I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Complaint sub-issue: Personal information

Under my personal information, it states that I worked for a laundry company. I have never worked for a laundry company. I have no idea why this would be listed on my credit report and question if any accounts were open under my account that do not belong to me. Please remove this employer.
Complaint sub-issue: Personal information incorrect

I have several complaints about Equifax. 

1- I have repeatedly filed several complaints ( over 2 years ) using Equifax 's online system to have them remove the suffix of XXXX off my report.. Every time I ask them to do this, they provide a confirmation number and tell me it will be removed in 30 days. They send me emails that say the fix has been completed, but it is STILL not fixed. Instead, my profession as a XXXX and an XXXX XXXX were omitted off my report. I did n't ask them to do this!! 

2. Prior to submitting the complaint to remove the suffix XXXX, my credit score was in the XXXX. After Equifax sent me a confirmation stating they removed the XXXX ( which they did not ), my credit score dropped from XXXX to XXXX without any reason on why. XXXX and XXXX both still reflect the accurate same score of the XXXX. 

3 - In XX/XX/XXXX, I requested that Equifax send me a monthly credit report. The charge of {$19.00} was more than I wanted for my budget, so I called in and requested they cancel the subscription. They convinced me to continue and they would reduce my price to {$9.00} a month instead. I accepted. In XX/XX/XXXX, I received a bill increasing my monthly subscription fee to {$19.00}. Customer service did not verbally explain to me or send me email stating that the price would increase to {$19.00}. It was explained that my regular monthly payment would continue at the {$9.00} until I cancelled it. 

My private data was breached and what appears with my name is not accurate using XXXX. I tried calling in to get these issues fixed but no one fixes them. I only get a confirmation number and I get switched around from customer service rep to customer service rep. 
These things are affecting my ability to buy.
Complaint sub-issue: Reporting company used your report improperly

i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments
Complaint sub-issue: Information belongs to someone else

CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. Equifax and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no-one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020 )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Did not give consent for more than one hard inquiry. 
XXXX XXXX XXXXXXXXXXXX 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 Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXXXXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Talked to a third-party about your debt

Started calling back in XXXX last yr and then last week. First it was a XXXX XXXX XXXX XXXX ( XXXX XXXX. Then a XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. In XXXX, XXXX. Asking us to make payment arrangements for XXXX on a closed accountfrom ky.
Complaint sub-issue: Account information incorrect

XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.
Complaint sub-issue: Didn't receive services that were advertised

Upon checking my credit score i noticed a loan for XXXX from a company called XXXX XXXX XXXX i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but equifax has not removed this account from my credit account equifax provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my equifax score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my equifax credit account or else.
Complaint sub-issue: Information belongs to someone else

They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Threatened to sue on too old debt

I got a call from USCB CORPORATION and they said they have legal documents for me if I did n't pay on a debt that I owe. They claim that I owe XXXX and the original creditor is XXXX XXXX. I do n't recall a such thing as I attended a accredited college at this time. The person was rude and demanding that I pay up to stop legal actions against me.
Complaint sub-issue: Public record

The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.
Complaint sub-issue: Information belongs to someone else

Incorrect accounts are reporting on my credit report US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

hello- I was involved in the Equifax breach ... all of a sudden, I have XXXX inquiries on my account from XXXX and XXXX that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. It was not my fault that they exploited my information and Im not happy about whats going on. My credit was very good with no derogatory information and now these items have appeared on my report. On top of that, theres an academic loan with XXXX XXXX XXXX for over {$400000.00} that does NOT belong to me. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Account status incorrect

On XX/XX/20 I received an notification from my credit bureaus that my credit score had dropped 25 points due to my mortgage loan account being reported as closed. I had just recently refinanced my mortgage loan with Loan Care LLC and after receiving funds from the new loan service provider they without notification closed the account, thus causing my credit score to decrease. I contacted the company on XX/XX/20 to rectify the problem and was told they could not fixed the issue because all loans that are paid in full are reported as an closed account.
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/2019 I received in the mail my background check documents and it says I was denied access to the Great Lakes facility XXXX mi but I didnt get any explanation too why. I have 1 XXXX   XXXX on my record and its over 10 years old. From my understanding they only hold u accountable for 7 years back on your record I have no other XXXX XXXX on my record i have 1 open operating case which is a XXXX but its not closed I never been convicted.I just need a explanation as to why I got denied I have XXXX   card I have passport Ive passed disa background check so Im able too get into 95 % of the facilities in the country Ive been all over for the pass 10 years this the first time Ive been denied thats why Im confused but Id appreciate it if I could get some answers soon thanks. My name : XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My ALLY Bank lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from ALLY Bank, this quote was supplied by ALLY Bank and was paid off by the dealer. A few months later I received a call from ALLY Bank that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and ALLY Bank provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to Ally Bank or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.
Complaint sub-issue: No notice of investigation status/result

In 2015 I reported that I was having a problem with the XXXX major credit reporting agencies. I have recently found out that a settlement was issued. I like to know if I was a part of this settlement and if not why. Here are the reports I submitted to you agency. 
XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

The original creditor listed is XXXX. I contacted XXXX as I did not open a XXXX account in XXXX or XXXX. They told me they can not discuss as it is now with a creditor. I questioned why there was two accounts with separate amounts and dates. I have not had any XXXX account XXXX or XXXX.