Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

To whom this may concern, As a XXXX XXXX XXXX in high school, I knew nothing about student loans, how it worked, and all the ties attached to it. I was uneducated and unaware of the consequences of applying for a loan under a variable fixed rate. Sallie Mae has raised my monthly payments of {$200.00} to {$310.00} in XXXX year. I am a full college student, struggling to balance XXXX jobs and a full schedule of classes to meet the $ XXXX  monthly payments Sallie Mae has put on me. I have reached out to customer service on numerous occasions and the solution they offered was deferring my payments for XXXX XXXX or XXXX. I have also reached out to the XXXX XXXX XXXX XXXX, explained my struggle as a full time college student to meet the $ XXXX  monthly payment and they provided me with the same " solution ''. This is not a solution, it is a bandaid and will hurt me in the long run. I will not be able to finish college and apply for another $ XXXX loan if my monthly payment is not reduced. Please help me.
Complaint sub-issue: Was not notified of investigation status or results

Letters sent on XX/XX/2022 describing violations of my consumer rights by credit bureau. There has been no correspondence to the letter.
Complaint sub-issue: Information belongs to someone else

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries 24 with XXXX, 28 with XXXX, and 30 with Equifax as of now. I am currently just starting to understand my credit and really hate this happened to me.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX Balance {$43.00}
Complaint sub-issue: Other problem

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... 

Link to full text of Citigroup policy XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX XXXX XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.
Complaint sub-issue: Problem using a debit or ATM card

I received a text message from a random number that was not from my bank saying that my debit card has been blocked due to unusual activities. The number that texted me is XXXX
Complaint sub-issue: Didn't receive terms that were advertised

In XXXX of XXXX I received an invitation offer to open a Citibank checking account and maintain a deposit of {$15000.00} for their minimum period and receive a cash bonus of {$400.00}. It indicated this was an exclusive cardmember bonus and referenced my Citibank credit card number that I have had with them since XXXX. The offer was good through XX/XX/XXXX. On XX/XX/XXXX I did open a Citibank checking account by phone in the name of XXXX and XXXX XXXX ( acct ending in # XXXX ) and per the instructions did verify it was for their Tiered Bonus Checking Offer. In the subsequent days I did deposit a total of {$15000.00} into that account and have maintained that amount for their required period and have met all the qualifying criteria the offer has described. 

In XXXX I called to check on the status of my bonus and the agent verified I had met all their criteria and that my bonus payment would be made no later than XX/XX/XXXX. On XX/XX/XXXX I called again since I had not received the bonus. I was told it would be deposited into my account within two days. When that didnt happen, I called the next week and was told again that my payment was being processed. I got upset and asked to speak with a supervisor and after a 20-minute hold was told by the supervisor that I was not getting the bonus because I did not qualify. She indicated the denial reason was that I was not given a direct offer for this promotion. She said that the notes in the file indicated that a letter was sent to me that explained their denial. She said the letter reference number was : XXXX. I have not ever received that letter. 

Attached is a copy of the direct offer that I received from Citibank that was addressed directly to me. 

Additionally frustrating was that I was told there was no one else I could talk with and there was no email contact to use. 

I asked to speak with a manager and was told they can only make a request to have a manager call me back within 24 to 48 hours. After 3 days and no call back, I called again to request for a manager call back. I have still not received any call. 

I am in the XXXX area and Citi does not have any local branch here. My concern besides the {$400.00} bonus is a fear of having a bigger problem with my account without having a representative with authority to speak with and no means to resolve an issue in a short reasonable period.
Complaint sub-issue: Received bad information about your loan

First of all, discrimination. Loan was under XXXX XXXX, and that has been dissolved and discharged by the SSA under total an permanent disability. 

Secondly, Discover is now trying to collect amount under XXXX XXXX XXXX, which never obtained this loan, thus Discover is involved in gender discrimination. 

Now, they way there is a XXXX  balance, and keeping about {$1000.00} that was incorrectly collected and discover is keeping as loan under XXXX XXXX was indeed discharged under total and permanent disability by the SSA. 

Now, discover is being evasive and not reporting credit truthfully and that the account has been discharged under XXXX XXXX, and moreover, discriminating against XXXX XXXX XXXX, as there is NO loan by her under this entity.
Complaint sub-issue: Account information incorrect

My wife and I are being defrauded deliberately by a system that provides inaccurate reporting. In any other society this would be a crime but evidently not in America. That incorrect data is used as a basis for considering lending. In this case a mortage but this has impacted us for years as your multiple reports and complaints indicate. You have done NOTHING as an alleged protection agency to do anything about this hence under known definition of law you serve in my opinion as an accomplice to the crime. Yes it is a crime if that data is incorrect and you knowingly submit it. As for the banks- A number of accounts have XXXX  balances. This reporting entity as all the others use this cop out- '' error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to XXXX to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. '' This is the essence of what be believe a scam to increase profits and keep citizens indentured. Now please do not send me an email " this seems like a previous complaint '' - IT IS! they do not even read them or if they do have no evident capability to comprehend what is wrong. Now to boot- we have asked all the creditor to submit a fax to all agencies with the correct zero balances. Some have done this weeks ago but just now the old balances were posted. IF these were not scams why isn't that done? Sadly, you all claim to be honorable and capable. In my opinion on each count evidently not even close. OH and learn how it works- are you for real! Finally how about fixing your auto fill that does not work. Is this maintained off shore as well? Unbelievable even your correction review does not work! Lets see if you even read this? THERE IS NO XXXX. MIDDLE INITIAL OR XXXX. IN MY WIFE 'S [ FEMALE ] NAME!!!! XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown account must be deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX  XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. XXXX, XXXX, and Equifax are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter concerning a debt with XXXX usa . This account was previously sent to another collection agency to which the debt was disputed as well. Now, the disputed debt has been reported to this agency who is also trying to collect. I have requested validation of the debt as required by law and it has not been received. Additionally this debt has now been credit reported despite the written request for validation, and does not report as in dispute in violation of law. The letter that was sent dated XXXX requesting the validation is attached.
Complaint sub-issue: Problem accessing account

XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. 

XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. 

XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. 

XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX ( XXXX ) assumed my home equity loan from XXXX XXXX XXXX in XX/XX/XXXX. I received no written notification that this had occurred, which from what I have read is required by law at least 15 days prior to my loan being sold. I applied for a new loan with XXXX XXXX in XXXX to pay off this loan after reading the reviews of XXXX. I was to sign the papers for this loan today ( XX/XX/XXXX ). However, I received a phone call from an officer at XXXX XXXX  facilitating my loan today in which he stated XXXX had filed an additional complaint to the credit reporting agencies, today, saying I was 120 days delinquent. I didn't find out until XXXX XXXX XXXX XXXX had sold my loan when I went in and spoke to an officer and was informed by him that that was what happened. I was told by him they had mailed a notification of this to the address I lived at when I took out the loan. I haven't lived there for 12 years and they have all my current address and telephone information because I still bank with them. So is XXXX XXXX XXXX 's incompetence my fault? 

I didn't make payments from XXXX to XXXX because I had no idea where to make a payment. Yes, I should have gone to XXXX XXXX XXXX when that loan disappeared from my accounts. My bad. However, XXXX during that time period made no attempt to contact me and they can't say they couldn't get my current address and phone number from XXXX XXXX XXXX. There are no other companies - mobile phone, power, water, etc ... that wouldn't notify you if you were past due on a bill after a month. This was done deliberately by them, of this I have no doubt, in the hopes they would be able to foreclose on my house. 

As soon as I did contact XXXX I brought my account up to date. They then told me my XXXX payment was for the amount of {$740.00}. My loan was converted to a fixed rate option in XX/XX/XXXX. My payments are {$460.00} per month. By telling me that's what my payment was they committed fraud. A lawyer told me they can't increase my payments and I pay my taxes and insurance myself. As I far as I'm concerned they owe me {$280.00}. And I was told by representative of XXXX that my XXXX payment and all after were going to increase to approximately {$810.00} no explanation as to why. 

I want the 120 day delinquency removed from my credit report because they broke the law by not sending me written notification, to my current address, that they had assumed my loan in XX/XX/XXXX. I want this done so I can secure a new loan with an honest bank in order to pay them off and get out from being under them. I had never missed a payment until they took this over and I wouldn't have if I had known who to whom to make a payment. XXXX is company run by low lifes who profit off other peoples misery ( please read the reviews online, that is if you have a strong stomach ). Hence, the over 600 complaints to the XXXX XXXX XXXX in one year and over 2,000 to the CFPB. XXXX XXXX XXXX should be the poster child for corporate greed in America.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I believe I am a victim of identity theft, and I did not consent these credit inquiries.
Complaint sub-issue: Account status incorrect

I have asked fed loan service to remove the closed accounts from my credit the information they are reporting is incorrect they have dupilcated accounts they have six accounts with same account number
Complaint sub-issue: Old information reappears or never goes away

*Citi Bank is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
Citi bank account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *XXXX  XXXX  This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

*XXXX  XXXX  XXXX  XXXX  Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late. 

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.
Complaint sub-issue: Account information incorrect

I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

I have used Equifax services in the current year of XXXX to provide a credit report for a loan. Equifax, for its incapability of holding onto my information and personal identity safely is a danger to me and my mother 's credit which is an important asset to our lives.
Complaint sub-issue: Their investigation did not fix an error on your report

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I took my covid check and used it o pay off medical bills. on XX/XX/20 I filed disputes on 3 entries that had not been removed. XXXX  and XXXX  did the investigation found the entries to be erroneous and promptly removed them. Equifax " said '' they did an investigation and found these debts to be valid. Since I had paid them I contacted the collection agencies. The collection agencies informed the had a record of being contacted by XXXX  and XXXX. They DID NOT have any record of Equifax contacting them. How could Equifax do an investigation without contacting the collection agency or the original creditor? As of today they refuse to even tell me how it is possible to conduct an investigation without contacting the creditor. Maybe you can get the answers they refuse to give me.
Complaint sub-issue: Debt was result of identity theft

EQUIANT FINANCIAL SVCS XXXX - I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.