Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

XXXX XXXX reported negatively on my credit report even though I believed to be enrolled in income based repayment since XX/XX/2018. I was never given any payment amount so I assumed it to be XXXX. I would like all poor XXXX XXXX  reports since XX/XX/2018 removed from my credit score as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not valid and has been sold to a 3rd party, after attempts to resolve this for the amount of {$1300.00} this account still exists after numerous try 's.
Complaint sub-issue: Charged too much interest

Citi Bank ( XXXX  ) credit card during pandemic. I have attempted to make contact with Citi Bank as I was effected financially by the pandemic. I attempted to lower my interest rate. Was told no. Attempted to get payment assistance. Was told no. Requested a waiver of late fees. Was told no. Instead the interest rate has compounded and the balance has sky rocketed!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am having  XXXX  credit cards from  Citi : 1 )  Double cash back  XXXX  for many years  2  )  Citi Visa Card  which  XXXX  changed it from  XXXX  to  Citi Visa  last year.   I was using the login id and password for few years and it has got  XXXX  factor authentication also.     For last  XXXX  days - my login id is not working and even password reset feature not working. Just now called Citi and I was told that there were attempts to hack my account and they had blocked my login id, what??? Without even informing me? they have all the contact information about me, why in the world they should do something like this???   And why in the world citi or visa or mastercard is self praising themselves for their fraud detection.     I need to re-register my cards and create a new login id. - that 's total waste of efforts and time especially when i am having at least  XXXX  grands of transaction every month with them.
Complaint sub-issue: Information is missing that should be on the report

MY XXXX DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING  ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.
Complaint sub-issue: Problem with product or service terms changing

I believe that my financial information waS part of the group that was stolen from Equifax. I hold Equifax responsible for any financial damage done to my account as a result of fhis information leak
Complaint sub-issue: Their investigation did not fix an error on your report

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the CRAs. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or CRAs are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has been reporting this account as 120 days late for many months, while XXXX and XXXX report it as a collection/charge off. XXXX and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each CRA as well as from one month to the next.
Complaint sub-issue: Debt was paid

ProCollect listed an account on my credit report on XXXX. I disputed the account since XX/XX/XXXX, they first reported was not paid it was accurate which was incorrect the debt been was paid since XX/XX/XXXX. I spoken to someone from ProCollect stated once its paid the will remove it. I sent evidence of the paid for deletion letter from ProCollect and it was updated just paid in full instead of deletion XX/XX/XXXX. There are conflicting information as what ProCollect is telling XXXX  to what they sent me. I would like the collection to be removed from XXXX.
Complaint sub-issue: Information belongs to someone else

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax Problem : On XX/XX/XXXX my Equifax score dropped 77 Points. I have had no negative marks for 2 years and my score went up 20 points in XXXX. I am in positive standing with all creditors. There is an old existing charge off from XXXX which they stated caused the drop. But this is old and since experienced a score drop at that time. My credit has been in stellar standing since and steadily increasing to the upper 600s / and now 700s - 733 prior to this drop on Equifax being my highest number. Confused. Clearly upsetting, this has harmed my ability to access competitive rates and or borrowing at all as well as possible effects on gainful employment. I am wanting to get a house later this year. I have been working diligently to pay bills and keep a positive balance of accounts currently at 11 % usage on cards. Equifax offered no further explanation on XX/XX/XXXX. I know my rights and it is illegal to renew a previous derogatory account.
Complaint sub-issue: Called after sent written cease of comm

I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop.
Complaint sub-issue: Information belongs to someone else

i found that this account is not belong to me and i found that this account is damaging my financial life
Complaint sub-issue: Account status

I have gone through relentlessly with XXXX on the reporting of my account. They have sent me a letter stating that the account is not reporting to any of the bureaus. Please remove this account from my credit report.
Complaint sub-issue: Account information incorrect

My son passed away unexpectedly last XXXX. Upon contacting AES regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the AES web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to AES for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from AES employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

XXXX telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite AES forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to AES to rectify the situation was met with the brainless response that their records do indeed show me paying late. 

AES may be on the cutting edge of automated loan administration, but their system is painfully stupid.
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Complaint sub-issue: Attempted to collect wrong amount

I visited the neurologist for a regular appointment. XXXX XXXX XXXX told me there was nothing wrong with me then said I had XXXX and sent me on my way ( he misdiagnosed me because other neurologist later determined I had small XXXX XXXX XXXX. My insurance company paid them everything that was owed per their agreement for this type of visit. They are charging a predatory consultation fee of {$500.00} because they said the appointment and services rendered took a long time. It was a standard appointment. This doctor is knowingly creating false bills as my insurance company has reached out several times to explain why he can not bill this per their agreement and he disregards their contractual terms.
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX EquifaxXXXX XXXX, and XXXX  with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I mailed a letter to Discover with my discover card and told them that I would be unable to pay any debt for my card or loan for at least three months and to cease attempting to contact me in any form except one phone call they may make in order to tell me they are filing a lawsuit and where I can go to get the summons. Since then I have been contacted at a minimum twice a day while I am at work totally ignoring my cease and desist letter.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked, exposing my personally identifiable information.
Complaint sub-issue: Didn't receive enough information to verify debt

Discover Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Can't stop withdrawals from your account

It is ashame to see that after Mr. Trump deregulations the banks immediately jump to increase their profits by unfair polycies : US Bank is sending notifications that starting XX/XX/XXXX they will charge {$25.00} ( rounded ) to checking accounts if clients do not maintain {$25000.00} in deposit or balance in credits with them. Is this the intention of Mr. Trump polycies? Can CFPB do something about this?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HARD INQUIRY __________________________________________________________________ XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX AND XXXX   XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Copy if most recent email to AES : I submitted my income verification via email to XXXX on the following dates and screenshots are attached. This should have been processed back in XX/XX/XXXX and it needs to be resolved with THOSE forms as I did exactly as I was asked to do. Covid also affected my income. I can afford to pay $ XXXXmonth. If that can be set up, I can start paying immediately. 

XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Requested XXXX  info. 
XX/XX/XXXX Received email with case #. 
XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Received email for my XXXX requestto be mailed to me. 
XX/XX/XXXX Received email stating re-certificationof XXXX not received. Emailed AES stating the IRS site would not work for me to submit my income tax return. 
XXXX Signed & emailed the XXXX  with income documentation forms. 
XX/XX/XXXX XXXX attached letter that was mailed with my forms. 
XX/XX/XXXX Emailed AES again with XXXX & income documentation forms. 
XX/XX/XXXX Email received saying XXXX forms not submitted. Replied that I already emailed my papers. 
XX/XX/XXXX Emailed AES XXXX  forms. 
XX/XX/XXXX Received email stating forms not received. Replied that I sent them 2 previous times. 
XX/XX/XXXX Emailed AES XXXX  forms & income documentation forms. 
XX/XX/XXXX Received email that forms were not received. Emailed AES that I sent the required forms AGAIN. 
XX/XX/XXXX Received email stating forms not received. Emailed AES XXXX  forms again. 
XX/XX/XXXX Received email stating form not received. Emailed AES with XXXX forms again @ XXXX. Received email back at XXXX stating formsnot received. 
XX/XX/XXXX Re-mailed XXXX  forms. 
XX/XX/XXXX Received email stating XXXX forms were received in mail but did not include income documentation. I replied that my income was included with my multiple previous emails ( see above ). 
XX/XX/XXXX Emailed AES again with XXXX forms, asking to reference previous emails with income documentation because I do not own a printer. 
XX/XX/XXXX Spoke with XXXX at XXXX - XXXX. He would submit a Natural Disaster extension for 3 months. Asked me tore-email forms. 
XX/XX/XXXX Emailed AES with attached forms again. Submitted IDRA application. 
XX/XX/XXXX Emailed AES again with all of this information. 

I have spent countless hours on email and phone trying to get this resolved since XX/XX/XXXX. I have done my part, over and over, trying to set up a payment plan. 
AES has continually said my income documentation nor XXXX were received, but ALL OF THEM were sent to XXXX and I have received replies to all the emails I sent there, except of course, the ones where I CLEARLY attached the required information.
Complaint sub-issue: Investigation took more than 30 days

i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, XXXX XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

Discover card opened in my name. Discover called me on XX/XX/2019 concerning 'suspicious ' charges. I told them I did not open account, did not want card and close it. They said additional card issued in my daughters name. I told them I did not approve and close it. I would check with my daughter. I called numerous times over the next few months. Card was closed and new one reissued. Discover allowed over {$9000.00} to be charged after they were told multiple times I did not open this account, did not want it and close it. I have filed paperwork and called to have it closed. Discover is now calling me up to 10 times daily and harassing me. They say I knew about the card so I am responsible. The same conversation I found out about the account they were told to close it. When balance was about {$4500.00} I finally got it closed and they opened a new account. I have not made one charge on this Discover card. I never received a card.
Complaint sub-issue: Account status incorrect

I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX XXXXXXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXXXXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Complaint sub-issue: Funds not received from closed account

On this date XXXX I went into the bank to close my account an was told to do it over the phone but as I try to do so my funds was closed while I still had XXXX in my savings I withdrew XXXX an still had XXXX in my savings an it disappeared an they said they camera doesnt go back to that date but they was giving me the run around like they was sending me a check for the remaining amount that was left in my account that was sense XXXX an when I came to the bank they just kept giving me the same run around
Complaint sub-issue: Didn't receive enough information to verify debt

I do not have a contract with this company. They never provided proof of a contract with me or them. I would like this removed from all credit bereaus in a timely manner.
Complaint sub-issue: Account status incorrect

FedLoan reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Complaint sub-issue: Debt was paid

I would like for this to be removed off my credit ; as they are unable to provide details that I sign stating I would be responsible for any balance that's unpaid by insurance ; this doctor office accept Medicaid patient and should've billed Medicaid for any unpaid balance. they can not provide any sign details that I sign stating they can put this on my credit. The calls are getting very aggravating and disrespectful. This is a HIPPA violation.
Complaint sub-issue: Public record information inaccurate

Equifax has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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: Investigation took more than 30 days

On XX/XX/2021, XXXX placed a block on my account to prevent me from driving. They stated they needed me to process a new background check. Upon providing permission to XXXX to conduct my criminal and driving background checks, I was informed that I would be reinstated once the check was completed, a process according to XXXX, that would take 1 to 2 business days. 

I have also applied to drive with XXXX on approximately XX/XX/2021. XXXX has also delayed my background check. 

Both companies use Checkr as a vendor for background checks. Checkr continues to say my background check will take a week. Each week they extend their estimated completion date. As of today, on the XXXX platform, Checkr promises a XX/XX/2021 completion date ; Checkr promises that my XXXX report will publish XX/XX/2021. 

I have lost approximately {$8000.00} minimally in earnings during this period.
Complaint sub-issue: Information is missing that should be on the report

ACCOUNTS REPORTING ON SOME CREDIT REPORTS BUT NOT ALL THREE
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

XXXX XXXX XXXX  ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

Equifax has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.