Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I submitted my application for re-paye. I was notified that I had missed the due date for this income based repayment program and then I was told I had a large balance due because I had missed this reapplication date. This took me by surprise because, based on my promissory note, and prior applications for repay, I was several months ahead of schedule when I submitted the application. When I brought this up with the company, they apologized and said that my loan had to be been reorganized under their company and thus my repayment had changed. They failed to notify me of this and thus never provide any documentation saying that I had a change to due date, that I was past due for this application, or that I should reapply for repair on a different schedule. They admitted fault in this, advised that I go on administrative forbearance, and continue to make my new payments. I did all of these things. However I noticed that my loan was still past due after 2 months under the new repay agreement and after I had supposedly gone into administrative forbearance. I called them back, and that 's when they informed me that my administrative forbearance had been denied. This is a surprise to me because I was told I was not applying for administrative forbearance, rather that it was granted given a special circumstance that had occurred. At this point, my loan is coming dangerously close to 90 days past due. I was then advised to reapply for administrative forbearance, disenroll from auto pay, then reenrollauto-pay, this trick as a called it within reset my past due amount enroll the amount owed back into the original principal of the loan. Further, they continually advised me to go into forbearance. Advising that forbearance would forgive this 5 to {$6000.00} debt that I supposedly had accrued. Unfortunately, I am a military member attempting to receive a military loan repayment. This program, unfortunately, will not make payments on loans that go into forbearance. Thus, FedLoan 's solution of forcing me into forbearance is a non-viable option for me. I was further advice to call them back today, XX/XX/XXXX. Since my last discussion with them, I have not received a response to my request to stop automatic payment, I have not been notified of the administrative forbearance approval, and when I called back today the loan company was closed for the holiday ( despite them telling me to call on this date ). My account will become 90 days past due despite my following all their instructions and my attempts and to correct their mistakes. Despite these efforts, it looks like that I will go into delinquency on the loan. This is particularly upsetting for me considering that I have made all of my payments on time since graduating from XXXX school. I would appreciate any help your organization could provide me in mediating this conflict with my Loan Servicing Company. Of note, I also have loans with other loan companies and have never had these sorts of problems. Thank you.
Complaint sub-issue: Personal information incorrect

XXXX XXXX & Equifax have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX XXXX. XXXX, EQUIFAX AND XXXX have refused to remove an erroneous collections account from XXXX   XXXX EQUIFAX XXXX XXXX are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( XXXX ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to XXXX, Equifax & XXXX via Certified mail return receipt by the XXXX. I am attaching the XXXX letter that is the same letter sent to all three bureaus.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account terms

As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX 

REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX
Complaint sub-issue: Information belongs to someone else

Between XX/XX/2018 and XX/XX/2018 XXXX retail was added to my account and it was closed due to inactivity. I have never opened this account.
Complaint sub-issue: Their investigation did not fix an error on your report

Great Lakes reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. Great lakes has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent Great Lakes an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$1600.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX 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

I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize them.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. 

On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.
Complaint sub-issue: Inadequate help over the phone

am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Equifax Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX - XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX NA Date Filed XXXX/XXXX/XXXX XXXX Date Filed 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: Account information incorrect

XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.
Complaint sub-issue: Can't use card to make purchases

Citibank is not honoring a card that I have a credit balance on and have attempted to do phishing when I call them. 

Before XXXX I paid into a credit balance on my card because of the trouble of them honoring it when I try to use it at XXXX. As always, they still stopped honoring the card. Usually when I get home it works again. I have a monthly autopay that they honored once after not honoring the card in the store and they then stopped paying on that, also. 

When I called, they failed to tell me why they stopped honoring the card. The operator inferred accusations against me without actually speaking them. The operator also demanded to do phishing for information on both Citibank and nonCitibank accounts. The operator let her irritation show at her inability to extort phishing information from me. The operator also refused to fix the problem with the card. 

I still have a credit balance of {$460.00} on the card that they owe me and have not refunded. They refuse to either reactivate or to cancel the card, claiming that it is still good. I have gone to the local Citibank branch to get a Citibank employee to get to the bottom of this but they were uncooperative with him too. 

My suspicion is that from the very start this was a phishing effort. They stopped honoring the card for the sole purpose of getting me to call so they could do phishing. The card wasn't just paid up, there was a credit, there was no reason they would stop honoring the card.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Debt was result of identity theft

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX Some one send through my account XXXX XXXX and right after the same day another XXXX $ to a guy i don't know named XXXX XXXX. As soon as i found out i called the fraud department of citi bank, they temporarily put back the money while doing their investigation. After few weeks without letting me know, they took back the money from my account, putting me in really difficult position, i was't able to cover my rent. 
I work in construction and don't make much, but always able to take care off my bills. 
Also, since last year, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have been charging me monthly during covid, while the gym was closed, i called the bank and told them not to allow any charges. After the gyms opened, the local gym that i was signed up was closed, meanwhile the XXXX was still charging me, over all most of my savings for this year were gone from my citi bank. I closed my account with the bank today as of XX/XX/XXXX. I am not sure if i will ever get my hard earned money. Any help will be really appreciated in this hard times. Thank you in advance if you can do anything to help.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, SSI # XXXX  My phone is XXXX Email XXXX Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my XXXX  credit report See Attached documents
Complaint sub-issue: Other problem getting your report or credit score

- XXXX XXXX XXXX XXXX ran my credit but Equifax is not reporting any information to them - Being that this isn't the first time I heard this when it comes to Equifax, I called Equifax & the multiple customer service agents I spoke to showed that they are, in fact, showing a Hard Inquiry from XXXX XXXX XXXX XXXX - However, I received a copy of the Credit Report received from XXXX XXXX and learned that while XXXX  & XXXX  are reporting a Credit Score, Credit Report & Credit information, Equifax is NOT showing a Credit Score, Credit Report or Credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax on several occasions about a bankruptcy, collection on my report from XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX. I have sent them proof that I have reached out to all creditors and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.
Complaint sub-issue: Account information incorrect

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt Premier XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Complaint sub-issue: Didn't receive enough information to verify debt

Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted the Bureaus on XX/XX/2021 and they sent me to XXXX. When contacting the lender XXXX XXXX XXXX  ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, The Bureaus. I contacted XXXX XXXX, Operations Support Manager at the Bureaus Inc, and they claimed to not have knowledge of the account and sent me back to XXXX. Yesterday, I was contacted by XXXX. XXXX XXXX from XXXX offering me help with the account, but when I called back, they told me that I have to contact the Bureaus. They have been " playing this game '' since XX/XX/2021 when I first contacted XXXX XXXX XXXX. I am really concerned, worried and having XXXX  issues about this account and what could happen if both lenders keep avoiding responsibility and denying the account.