Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX  assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX  days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX TBOM/ATLS/FORTIVA THD Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My student loans were reported delinquent on 90 and 120 days in XXXX of XXXX and XX/XX/XXXX. During tjis time my loans were on forbearance. As a reault my credit score dropped over 100 points. 

I contacted fed loan servicing and was told to send in the dispute form which I did roughly a month ago. My credit report was just updated and I was notified my dispute was closed, but the false negative reporting still remains.
Complaint sub-issue: Information belongs to someone else

This is my endeavor to tell you 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting Act XXXX  Account 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 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 instructions.
Complaint sub-issue: Other problem getting your report or credit score

I am not able to access my Equifax credit report and neither is a potential mortgage lender. I called Equifax in early XXXX to try to resolve this issue and was told to fax a copy of my license, a bank statement, and a letter explaining my purpose, which was to lift a freeze on my account. I sent this fax on XX/XX/2021. I called again on XX/XX/2021 because I had not received mail confirmation that the freeze was lifted ( I was told I would receive a paper letter XXXX. The first person I spoke to could not confirm my identity and seemed to struggle with my mailing address. He forwarded me to a second person, who said that the documents I faxed in were not linked in my file and I would need to mail them instead. I have included here a copy of the fax that confirms receipt. Further, I was told my account was frozen because I must have requested a freeze. I have never contacted Equifax before now, either by phone or online and have never requested a freeze. I am concerned about having to call, fax and mail out my SSN multiple times this doesnt seem safe. And I have no confirmation that my information is being received and if it is, that it will resolve whatever problem the company has with my account. I am unable to move forward with the home buying process as long as Equifax holds me here. Thank you for your help resolving this.
Complaint sub-issue: Other problem getting your report or credit score

I was unable to apply for Social Security and XXXX online because I could not answer questions that were supposed to verify my identity. The questions required me to answer which bank provided my home mortgage, which institution provided my auto loan, and which retail credit card did I have. I could not answer these questions because I have never had a mortgage, I have never had an auto loan, and I do not have any retail store credit cards. The Social Security Administration web site indicated these questions were based on information that they receive from Equifax. 

I tried the following things at the Equifax web site to resolve the problem but I was blocked at all approaches because the same incorrect information in the Equifax database is being used to try to verify my identity : 1. I could not check what information Equifax had regarding the loans that it said I had acquired..

2. I could not check my credit rating.

3. I could not report the possible XXXX or identity theft at the part of their web site that was supposed to accommodate that.

4. I could not talk to a person on the phone at Equifax because I could not get past there identity verification questions.

5. I could not establish an Equifax account because my name, birth date, and social security number seem to be associated with an existing account that has an email address that is not mine. 

The Equifax chat line told me that I could mail in the Research Request Form, but the URL pointing to the form was wrong. I used XXXX to find this form. I am mailing to Equifax a copy of my driver 's license, my birth certificate, and my social security card attached to a research request.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint
with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 the Credit Reporting Agencies are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for your tenacious rebelliousness. Under the provisions of teh FCRA, I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/2020
Complaint sub-issue: Public record

I currently have a judgment that is being reported on my Equifax credit report. The creditor is XXXX. I disputed this judgment with Equifax for inaccuracies regarding this public record. I currently received a copy of the reinvestigation from Equifax. The information that I received from Equifax states " we have verified that this public record item is reporting correctly. '' I am attaching documents that will prove this is not true. Equifax has my judgment satisfied date as XXXX. The date I satisfied this account was XXXX/XXXX/2015. The amount I paid was {$1300.00}. The amount listed on my Equifax credit report is showing {$1200.00}.
Complaint sub-issue: Account information incorrect

I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect
Complaint sub-issue: Need information about your loan balance or loan terms

I need my income driven repayment information in order to complete underwriting for a mortgage. This information is not being sent to me which has opened me up to a potential breach of contract lawsuit in addition to losing my earnest money and survey, inspection fees. By witholding this information, my servicer is causing immense damage to me as I could be without housing should this sale fall through.
Complaint sub-issue: Their investigation did not fix an error on your report

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX. XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). 

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/XXXX/XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX  XXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Ive been a victim of identity theft for many years somebody open this account Ive been trying to Talk to this company to remove this account because it was open with out my authorization with Thats an account from XXXX XXXX XXXX now its on collection And the steel done doing nothing A note on your XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) account This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account with XXXX XXXX DBA XXXX XXXX DBA XXXX XXXX  with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed erroneous accounts that are present on my Equifax, XXXX XXXX XXXX  reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : Credit Coll Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 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: Can't decrease my monthly payments

I contacted Sallie Mae to request some relief when I could not make $ XXXX/month payments on a XXXX % private student loan. Asking if there was any way to lower my payments I was told that I could enroll in auto debit to save .25 % on my interest. I told them that that would not help. I was then told that I would have to miss payments and go delinquent on the loan before they could offer me any additional assistance. After I missed my first payment I called again and was told that I would have to get current before they could offer me any relief. I did n't have the {$200.00} that I owed them now they wanted {$400.00} before they would discuss relief. I missed an additional payment and called them a third time. This time I informed them that I was recording the call to keep my own records because I believed that I could not rely on them to work with me to offer realistic solutions. They refused to speak to me while I was recording and disconnected the call.
Complaint sub-issue: Their investigation did not fix an error on your report

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Complaint sub-issue: Problem with personal statement of dispute

On   XX/XX/16  I lo gged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}
Complaint sub-issue: Can't decrease my monthly payments

I previously filed a complaint that was being disputed but has had no resolution so I am filing this complaint. I have a loan with Key Bank and they have been the absolute worst company to ever work with. I have other student loans elsewhere and have had XXXX XXXX XXXX and I am currently a customer of XXXX and Key Bank far outpaces any other company as the worst company I have to deal with. I have tried to lower my payments for a long time at this point because I can not afford the ridiculous payment which is over {$450.00} right now. I can only afford about $ XXXX- {$150.00} a month and I desperately want to make my payments but XXXX has now made me work with a third company who has a restricted number because they are so shady. They already use one company to take care of the loan, Key owns the loan, and now they have hired another company with the sole responsibility to call me 5 times a day to harass me. This company 's predatory practices are beyond ridiculous at this point. I want to pay my loan and eventually I will have a higher paying job ( or my wife will have a higher paying job ) but we do n't have the ability to afford payments right now. I, like so many other students, feel like I was taken advantage of whenever I went to school and was not told that I would be harassed constantly and would have to pay more than half of one of my paychecks a month to student loan companies. My income will not allow me to pay the loans but Key Bank does not care about people which has been proven every time I call them. Please, someone help me actually be able to pay my loan and prevent this company from attempting to take over and ruin my life. Thank you for any help you can be.