Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't decrease my monthly payments

I have been trying to apply for the Revised Pay as You Earn plan for almost two years now and continue to be denied for the program and suggested to submit the application in another manner every time that I have spoke with them. I have had a processor assisting me with completing the application pursuant to the information that has been provided by the many representatives at Fedloan Servicing. Every time I 've spoke to them, they illustrate a different way to complete the application. My loans are a spousal consolidation and thus require that I submit my ex-spouses information- of which she has complied with as well. My application was finally approved back in XXXX of 2016 and then was arbitrarily placed back into the standard payment with the claim that there was missing information. I have since escalated the file and submitted another application that two months later still has not processed. I have been told that my file has been escalated and should have resolved within 3-5 days- yet here we are 3 months later with a mandatory student loan debt burden forbearance on my file because I have not been able to pay back my loans in over two years. I have submitted all of the requested documents exactly as described to Fedloan servicing. My file has been pending to be place in the revised pay as you earn plan for almost two years. Fedloan servicing has made me jump through hoops in order to obtain a repayment plan that they have told me I qualify for. It 's very frustrating that it has taken this long for my application to process and the representatives do n't understand why. I understand that spousal consolidations are a tough task to handle, but I have complied with all of their request and would like to start paying back my loans instead of drawing this out any longer.
Complaint sub-issue: Account information incorrect

XXXX Account Info Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on Equifax I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of XXXX XXXX and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.
Complaint sub-issue: Information is missing that should be on the report

Approximately  XXXX   XXXX ,  2017  I sent a copy of a certified letter and a copy of a returned mail to Equifax stating and showing they are reporting inaccurate information so I asked them to delete the account and information. The envelope was addressed to  XXXX   XXXX .
Complaint sub-issue: Application denied

This bank always gives me a hard time when applying for credit I applied recently for a credit card they trasnfer me everywhere and dont help they dont care about me I have a fraud alert on my credit I called to process my app their system said it was pending then they tranfer me said its clear they lie to me I asked them why they would decline horrible bank they really dont like me
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.
Complaint sub-issue: Received bad information about your loan

A scam company, XXXX XXXX XXXX XXXX, is calling those with existing loans and claiming they have a special deal for a limited time that only a select few have been chosen for. The number provided is a dead end # XXXX and XXXX.
Complaint sub-issue: Account status incorrect

US Bank has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I notified XXXX, Equifax, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Complaint sub-issue: Problem using a debit or ATM card

I am a customer at XXXX XXXX XXXX. OnXX/XX/XXXX, I  attempted to make an ATM withdrawal ( international ) for {$300.00}. The ATM machine froze and told me to try again later, and I did not receive the money. However the bank deducted the {$300.00} and recorded it as a withdrawal, but again I didnt receive the money. I spoke to the bank 's customer service and fraud departments, and they initiated a dispute on XX/XX/XXXX. It has been more than a week, and I have not received the funds or any updates on the dispute. I called the bank numerous times and they keep transferring me back and forth between customer service and fraud department, each of them saying that they do not handle that type of issue. Needless to say, it has been very frustrating.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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: Credit inquiries on your report that you don't recognize

inquiries i do not reconize equifax 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: You told them to stop contacting you, but they keep trying

XX/XX/XXXX Ragan & Ragan PC, has continued to willfully violate my cease and desist of communication. They are still responding with no regards to 15 USC 1692c they should not communicate with me except to advise me of their termination of their collection efforts. See CFPB Complaint # XXXX. The FDCPA is a strict liability statute and when debt collectors fail to comply with the requirements of FDCPA they are held liable to {$1000.00} per violation. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). Their continued communication while Im at work has cause great stress and anxiety and poor work ethic and humiliation. These injuries and damages are also causing marriage problems.
Complaint sub-issue: Reporting company used your report improperly

My information was reported to be part of Equifax hack, where my personal credit profile and information was disclosed and shared improperly, without my consent or knowledge.
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. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have sent method of verification for all accounts listed and the bureaus have yet to send any documentation verifying any of the accounts listed. It has now been over 30days. My intial letter was XX/XX/2021. 
This is not following FCRA guidelines. After 30 days of investigation all accounts should be removed immediately. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Account status incorrect

XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Complaint sub-issue: Account status incorrect

This balance is paid in full and still reflects a balance on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2021, I opened an online savings account with CitiBank to potentialluy yield a much higher interest on my savings. 3 months after having the account, CitiBank decided to close the account without any warnings. I immediately contacted CitiBank customer service to rectify the issue. Customer service pulled up my information via account/bank card number and verified my information. After reviewing my account information they informed me that the account has been closed and is under further review and can not discuss any further details, and immediately hang up the phone. it's been going on 4 months now and I still have not received any notice or update from CitiBank regarding my account or refund of the funds that was in the account. every time I call customer service it's the same situation. once they pull up the account they hang up the phone after letting me know that they can not discuss the account This is very frustrating because I had over $ XXXX in the account that I no longer have access to. I feel like I've been robbed by the ones whom I've entrusted my money
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is reporting my XXXX XXXX XXXX XXXX XXXX account with a late payment and that is inaccurate, I have never been late on this account. Delete late payment.
Complaint sub-issue: Reporting company used your report improperly

COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( GEORGIA )
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX XXXX XXXX with Equifax for over a year now. I have asked Equifax to make XXXX XXXX XXXX send me something with my signature on it. Equifax did not grant my request, instead, they emailed me and said the account was verified. THIS account needs to be removed from my credit report if XXXX XXXX XXXX can't supply Equifax with something with my signature on it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.
Complaint sub-issue: Account status

I ordered a new trailer to be built in XXXX 2014 from XXXX, XXXX, NM. The trailer was not delivered until the end of XXXX 2014. During that time, the dealer, confirmed that my credit rating did not change XXXX times. Equifax is listing that as XXXX different hard inquiries when it should only be XXXX and has lowered my credit rating.
Complaint sub-issue: Information belongs to someone else

The XXXX credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Complaint sub-issue: Debt was result of identity theft

I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$85.00}
Complaint sub-issue: Problem using a debit or ATM card

Hi My name is XXXX XXXX I have some issues with PNC bank since XX/XX/2021. 
I have seen it on XX/XX/2021 some unauthorized activity in my account ending XXXX from my PNC account so I contacted my bank and let them know that I did not authorize those transactions with XXXX XXXX and XXXX and XXXX  and I file complaint with them so I when to the bank branch filled up dispute about it those transactions but they never give me my money back .the unauthorized transactions was made from XXXX for thee time {$100.00} and one time {$80.00} and four times {$250.00} from XXXX XXXX and another {$400.00} from XXXX XXXX and another 1000 from XXXX and all transactions together was {$3800.00} the bank never give me my money back. 
So please consider my complaint because Im struggling to make it living l will appreciate it if I have response from you Thank you Sincerely XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX  and the XXXX  XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

Hi, My name is XXXX XXXX and I am disputing a late payment that is reported on my credit file from Loancare Servicing. My credit report reflects a late payment on my prior mortgage on XX/XX/2021 ; however, this is incorrect. I paid off my home in XX/XX/2021 so there should not have been any reporting of a late payment under my account. I am asking that this past due/late payment be removed from the Loancare Servicing account ( Reference To : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, TX XXXX ) immediately as it is impeding my eligibility in being considered for the purchase of a new home loan with the lower interest rates offered in this current market. I would really appreciate it if this inaccurate report be revised at your earliest convenience. I have attached copies of supporting documentation for my request. 

1. Credit History from Loancare Servicing 2. Payoff Letter from Loancare Servicing Thank you, XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Email : XXXX Cell : XXXX
Complaint sub-issue: Reporting company used your report improperly

CFPB Write up 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