Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with fees charged

Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.
Complaint sub-issue: Application denied

I received my XXXX  report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX  and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.
Complaint sub-issue: Reporting company used your report improperly

I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards XXXX
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

I read about the Equifax breach on the morning of XXXX/XXXX/XXXX, and decided to look into it to determine if my data was at risk. 
I visited the www.equifaxsecurity2017.com website, and thought it was interesting that it was a separate domain instead of a sub-domain of the equifax.com domain. I did additional research, and checked the XXXX records, which appeared to be anonymous ; I could n't find any information in the XXXX record indicating any affiliation to Equifax. I did a little more digging, and found a news article XXXX https : XXXX? XXXX ) indicating that the site was, in fact, set up by Equifax as a breach notification website. 
I submitted the information requested ( last name and last six digits of SSN ), and was told that my data may have been involved in the security breach. 
I 'm quite frankly concerned and bewildered at why it took Equifax so long to disclose the breach, and why I had to learn that my data was involved by stumbling upon an article rather than the company reaching out to me. 
I 've placed a fraud alert on my file through XXXX XXXX website, so I should have a 90-day window to detect and prevent any misuse of my data, but if my data is still out there, it could be floating around cyberspace forever.
Complaint sub-issue: Debt was result of identity theft

Equifax and XXXX XXXX XXXX are fraudulently reporting a negative credit item in the amount of {$210.00} despite being contacted by the FTA and XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is inaccurately reporting debt not belonging to me as a collection 3X, THREE Times for same amount. This account I am not aware of an it is appearing on my credit report three times for the same date and amount Equifax must correct this error and stop the inaccurate reporting of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Equifax must delete the duplicated reporting from my file.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : 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 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: Sent card you never applied for

I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.
Complaint sub-issue: Old information reappears or never goes away

My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX  ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
Complaint sub-issue: Debt is not yours

Recently I started receiving requests, missed payments, and debt collection attempts to make payments on a student loan that I do not own. This account has been reported to the credit reporting agencies and is significantly impacting my credit report and my credit score.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 a hard inquiry was posted to my XXXX credit report from CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by CBNA and they have confirmed this was not initiated by them. I have contacted XXXX who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why CBNA would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.
Complaint sub-issue: Problem accessing account

Wont let me connect my account to a payday loan app XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My Social Security card was activated and charges were put on the card before I could cancel the card by XXXX am on the second Wednesday of XXXX my check was gone except a few dollars. 
The charges were made at XXXX XXXX the store stated debit XXXX would have to contact them are the police department no one ever checked from the XXXX XXXX ever checked are followed up. They have said they would contact me I never receive the letters but they never send out letters and they have not put the money back. They have never contacted the store for videos. Then the last time I called they stated the claim was closed. I am going to call everyone because they did not try to investigate the theft of my Social Security Check from debit XXXX. XXXX XXXX, SS XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I C Systems placed items on credit file. Company failed to comply according to FCRA guidelines. Requested over 30 days ago to validate contract and signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and XXXX XXXX XXXX,
Complaint sub-issue: Reporting company used your report improperly

I received an email from XXXX XXXX XXXX on XXXX XXXX. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. 
The loan officer stated that it didn't matter and that he could check on a conventional. 
After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. 
I received a letter from credit plus with a response from XXXX XXXX XXXX   XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed
Complaint sub-issue: Account status incorrect

I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone used my credit card on XXXX account. I never authorized these transactions.

And I never saw my paper statement.

I didn't recognize those charges. But I made a payment because My address has been changed for
temporarily due to covid19.
Complaint sub-issue: Debt is not yours

I have reached out Grant and Webber, XXXX, and XXXX  so many times for proof of contract with this debt. I have not received anything from neither companies.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, I submitted XXXX disputes to the CFPB regarding incorrect information reported to all XXXX CRAs. XXXX and XXXX are the XXXX case ids through CFPB. According to their reporting, no payments have ever been made towards the delinquent balance. However, they also reported a recent payment was made on both accounts. I disputed the open dates on both accounts and also the payment history is obviously incorrect as the information on the reporting contradicts the payment history. 
The company responded with regurgitated information which I was aware of. I explained in my initial dispute and also with conversations to XXXX I was in a homeless situation the dates these accounts were purchased by XXXX, but yet they responded about how they sent me mail. Obviously,, the mail was not received as I was living out of my car with no access to regular XXXX mail. Even though they had my email address, they chose to use snail mail as a form of communication. 
The disputes were concluded by XXXX stating no further steps required and the issue is now considered closed. Yet before that statement a promise was made to send me a verification letter confirming the amount in collection is accurate. There was not an explanation provided for the inaccuracy of the payment history or the dates of the account. 
The account that was associated with CFPB report number XXXX was removed from all XXXX CRAs within a couple of days of the dispute. 
CFPB XXXX remains with the inaccurate payment history and the promised debt verification letter was never received. 
XX/XX/XXXX, I called XXXX regarding the absence of the promised letter. The representative automatically went into collect payment mode. Totally disregarding my inquiry, I was offered reassurance simply by paying {$8.00} today by tomorrow my accounts would go into a pay status. I again inquired about the missing payment and she did confirm that XX/XX/XXXX a payment was made towards the account for {$54.00}. When asked about that information missing from my credit reporting, your account was not in a paying status which is why the amount was not reported. However, if I pay {$8.00} today which can quickly be achieved by giving her my banking information, the status of the account will be changed within XXXX hours. Again, why didnt the previous payment not count? 
She confirmed due to the age of my account I will not be sued for the amount. I explained my goal after conquering homelessness but a diagnosis of XXXX XXXX XXXXXXXX XXXX limits my work options and right now I am only part time work from home. I would like to review the documents that were promised but not provided. She promised to get those out to me but in the meantime the best step I can take to get this cleared up is to pay {$8.00} today. I restated my desire to review the documents since the XXXX payment is missing I would like to double check the history for any other missing payments and compare that to the amount they state is owed. Since you are refusing to make a payment there is nothing more I can do for you. I will get the letter mailed. And the call ended
Complaint sub-issue: Their investigation did not fix an error on your report

I've tried fixing this issue with this company since 2021. No resolution. They constantly blame the consumers for the inquiries but ask you to provide proof. Then you provide proof They don't do anything besides tell these lies about internal investigation which is all lies. This company has caused so many issues since their data breach its ridiculous