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

On XX/XX/XXXX I made a complaint against Sallie Mae for refusing to work with me to arrive at a monthly repayment amount that is within my power to pay. The complaint was responded to by them in the form of a telephone call to me suggesting that I do not make the payments due on XX/XX/XXXX ( as there is no possible way I can make the payments and still pay my basic living expenses ) and wait for their collections department to contact me. I was told that at that time, they would make new payment arrangements with me. 
I have four separate loans with Sallie Mae, one of which they processed without deferment, meaning I had to pay the interest on the loan from the start. As I was still in school, I set up an automatic debit ( {$25.00} per month ) and have never missed a payment. 
The other three loans remained in deferment until XX/XX/XXXX. I had not set any of those loans up for electronic debit and yet, on XX/XX/XXXX, my checking account was debited for all three of those loans totaling {$620.00}. They could not withdraw on the original automatic debit loan as the payment amount increased from {$25.00} to {$90.00} and they did not have my authorization for the higher amount. How could they then -- without my authorization -- withdraw over {$600.00} from my account for the loans I had never set up on automatic debit in the first place? There is no way I could meet my monthly living expenses minus these funds, so today, I had to spend {$30.00} to stop payment on these withdrawals. 
My complaint is this : I was advised not to make the payments I could not afford to pay and to wait for Sallie Mae to contact me only to have them then, without my request or knowledge, withdraw a large amount of money from my bank account. I have no assets to draw from to replace those funds and had no choice but to spend the {$30.00} to stop payment on the withdrawals. It's my experience that consumer protection protects the lender rather than the borrower.
Complaint sub-issue: Public record information inaccurate

XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.
Complaint sub-issue: Problem getting your free annual credit report

Once again they will not give me my credit report like the law says. I requested the report and this is what I got it's attached. How long do I have to go through this. It gives me no faith in there system and makes me believe that it's being manipulated to go against me. This is the third time at what point do someone step in. Telling me the condition that prevents them from giving me my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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: Don't agree with fees charged

I was on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Company closed your account

Back in XXXX, Citi said that there was no credit balance on my account and that the account was closed. Then they refunded my credit balance after I filed a complaint. 

Once again there is a credit balance on this closed account because Citi accepted a refunded amount from a vendor, rather than rejecting it ( which would have allowed me to receive the refund directly ). See attached proof of credit balance.

I called Citi, and was hung up on once, then transferred, then I was told that a refund would take supervisor approval, take two billing cycles ( i.e. 60 days ), and then might be send to my bank, or mailed as a check.

I want Citi to immediately refund the credit balance on this closed account either electronically to my bank account of record, or via bank check sent via express delivery with tracking.

Sitting on a refund that they never should have received is a cheap way to steal interest from customers. Citi is awful, and should be banned from this industry.
Complaint sub-issue: Information is not mine

Equifax continues to report a negative account ( XXXX XXXX ) on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing. 
I disputed this previously and Equifax responded with an inane response that did not address the issue I am disputing. I request that the CFPB instruct Equifax to either justify the erroneous reporting with documentation or delete this account as requested.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is in reference to CFPB XXXX and failure by Equifax to follow FDCPA : The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 ( OVER SEVEN MONTHS ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( OVER SEVEN MONTHS ) Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 

This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA. 

Similar to the previous civil ligation, I have received zero correspondents from XXXX. 

Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused denials in credit.
Complaint sub-issue: Reporting company used your report improperly

n 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, 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: Debt is not mine

Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/XXXX with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times. I did finally receive paperwork bearing back in XX/XX/XXXX signature HOWEVER as FTC laws state Your company AGAIN did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. therefore this has to be deleted. I have AGAIN pulled my credit report for the month of XX/XX/XXXX and the debt has STILL not been updated. This is the second time in almost a year I 've requested this to be corrected with the SAME result.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : I have requested numerous times for Equifax to properly reinvestigate the following accounts : Account Name : XXXX  XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days Equifax is aware they are reporting inaccurate information and continue to violate multiple violations, knowingly in violation of my consumer rights. 
I have requested for Equifax to provide me with proof of this alleged payment being late, as well as a detailed description of all reasonable procedures used in your reinvestigation process to determine the complete maximum accuracy of information reported on my credit report. Due to not providing proof of payment being late or lack of proof of payment being late, Equifax 's responsibility was to proceed with updating the payment history to paid as agreed never late ( PAANL ). 

In accordance with the Fair Credit Reporting Act, Equifax, has violated my consumer rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA credit reporting agency, Equifax, is required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, XXXX was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : True Accord holding account # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX True Accord then notified XXXX XXXX XXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. True Accord had not been notified by XXXX XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to XXXX XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, XXXX was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over XXXX days and they did not notify the listed customer or True Accord of any supplied information in over XXXX  days. ( XXXX, XXXX, XXXX ). To date XXXX, XXXX has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. XXXX, XXXX was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.
Complaint sub-issue: Other problem getting your report or credit score

This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.
Complaint sub-issue: Debt is not yours

I don't believe this debt is owed by me because i do not recall opening the account. Please remove my name from it. Thank you.
Complaint sub-issue: Account status incorrect

PNC Mortgage has placed an incorrect status on my credit for my mortgage loan with them. My credit pulls up with a notation of " impacted by natural disaster ''. I originally addressed this with PNC Mortgage and there escalation department - Rep. XXXX in late XX/XX/2020. On XX/XX/2020 XXXX confirmed that the credit department will be removing this status from my credit report. I confirmed with XXXX that I am not being impacted by a natural disaster. As of XX/XX/2020 this label still remains on my credit. My payments are made each month and my mortgage payments are current.
Complaint sub-issue: Didn't receive enough information to verify debt

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/2018 - payment in the amount of {$400.00} XX/XX/2018 - payment in the amount of {$200.00} XX/XX/2018 - payment in the amount of {$200.00} I have receipts for all payments ( or I can show bank statements ) and this should have settled the account. I later came to find out that my account was transferred to Jefferson Capital for the full amount of the debt. I have disputed the charges with XXXX  and XXXX to just be told that the debt is still valid.
Complaint sub-issue: Account terms

The XXXX XXXX card being reported has multiple errors. An my dispute is not being investigated properly. The balance due is incorrect, late charges assessed are incorrect, and there are theft/fraudulent charges billed to the account. The debt was removed by XXXX XXXX and then re-added by XXXX XXXX without a thorough investigation. XXXX XXXX also illegally re-aged on my debt on my credit report to appear current. However the debt is aging more than 3 years and the dispute with XXXX XXXX was never resolved.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Discover began threatening me to make payments by a specific date or they were going to disrupt my credit score significantly. I had made a payment on XX/XX/XXXX of {$270.00} and on XX/XX/XXXX they threatened me again that if I didn't make XXXX payments totaling almost {$1000.00} that they would report me to the credit bureau as delinquent. They did it anyway the same day and reduced my credit score by a staggering XXXX points. They said I was past due of 30 days and that's not 30 days. That's 23 days since I made a payment of nearly {$300.00}. They had offered me a payment plan and I got disconnected and when I called back, they said that plan was no longer active literally XXXX minutes after I was disconnected. When they reported me delinquent, I wasn't delinquent and had set up a pavement plan that allowed me to set my first payment of {$330.00} on XX/XX/22 and then each subsequent payment would be on the XXXX of each month of {$210.00}. They never should have reported me and did so when I was making payments it just wasn't as much as they demanded. They also told me that the plan I qualified for and is now active because I chose not to listen to their employees and just did it through the app and it accepted me and my payment plan. That's wrong of them to use fear tactics and threaten my score and then make such a massive hit to my credit score despite the fact I had just made a payment XX/XX/XXXX. The reason I didn't make an XXXX payment is because the app allowed me to delay it until XX/XX/XXXX and said that there would be no impact to my credit score since I set it up to be automatic and keep it automatic for each month. My credit needs to have the XXXX points restored and noted that I was not 30 days delinquent and they used fear and threats to try and scare me into paying. 

My user name for discover is XXXX
Complaint sub-issue: Can't use card to make purchases

I've had gasoline credit cards with Exxon XXXX XXXX XXXX XXXX and Sunoco XXXX XXXX XXXX for almost 50 years. Both have been taken over by Citibank. I have averaged {$11000.00} of gasoline purchases using these cards during XXXX & XXXX. My Exxon-Mobil statement due XX/XX/XXXX had an amount due of {$86.00} for XXXX purchases and I deliberately sent check # XXXX for {$88.00} more than the amount due as a sign of good faith. And then in a Citi letter from XXXX KY dated XX/XX/XXXX, ( 12 days prior to the XX/XX/XXXX due date ) with a bogus reason stating that the written and numerical amounts differ which was not true without any tel # or name to call.. So, I returned check # XXXX for the XXXX purchases along with a second check in the amount of {$67.00} for the XXXX purchases again weeks before the XX/XX/XXXX due date. I did not include the fraudulent interest charge, nor the fraudulent service charge. 
And then on XX/XX/XXXX, 15 days prior to the XX/XX/XXXX due date as my wife was filling up at an Exxon station prior to beginning our vacation trip, her card was declined. I called Cust.Serv.and spoke with XXXX who told me that a human doesn't review returned checks and he couldn't help a 50 year credit card user who has paid $ XXXX gas charges in XXXX & XXXX. I asked the matter to be escalated and instead I was transferred to another RepXXXX ID # XXXX who followed the exact same script as XXXX. I asked the matter to be escalated and I was given XXXX ID # XXXX and told the 3rd rep my entire story and that we were scheduled to leave for vacation at XXXX and she followed the same script and said that she was my highest entitlement at Citi and nobody at Citi could resolve this negligent Citi system XXXX up. Clearly there are fees and interest that they extort out of more than me in this scam and they need to be audited by the regulators
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$250.00} These accounts were removed and I have proof ... and I was not notified that they would be put back in my files ... notification is required by FCRA law ... 

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation