Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX. The charge off carrying a balance. This is in violation of FCRA Section 604 ( A ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Public record information inaccurate

Due to the COVID-19 we contacted our Mortgage Company in  XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called XXXX on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from XXXX to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to XXXX Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am looking to pay back the original loan amount that I took out to attend XXXX  school ( {$170000.00} ). I have paid {$36000.00} over the past 4 years and the loans continue to increase every month. Again I have a lender that is willing to pay the {$170000.00} for me right now but I need help in making this happen. The interest rate they are offering me is extremely low and will help both my family and I. The loan company has made {$36000.00} from me in the interest I have paid them. I am currently on the IBR plan which takes 15 % of my income for my payment. If I were to lose my job they would n't receive any money at all. It just really seems criminal that the government can continue to take money from people and the balance continues to increase!
Complaint sub-issue: Deposits and withdrawals

I opened a checking account on XXXX XXXX in XXXX XXXX XXXX I trade and sell bitcoins  for a better income to take care of my family and I accept payments through XXXX pay. In four days my account was shut completely down with no access at all. I called the branch and was told someone would get in contact with me. After a couple of days I hadnt received a call so I called back to the branch. This time I was told to call the call center and theyd help me. Call center said they didnt see why but my account was closed and that a check in the amount of {$6700.00} had been mailed to me. After a week and a half and no check I called back to the CC and was told that the check was mailed 2 days prior to that call and that Id have it in a couple of days.1 week went by and still ... no check. I called the branch manager and she stated that there was no check every coming and cant see why anyone would tell me that. XXXX The branch manager XXXX XXXX XXXX your account was closed due to fraudulent payments. The crypto that you were selling were being purchased by someone who didnt have authorization to use the card. I assure you that its not your fault and you did nothing at all wrong, but we had to send the remaining funds back to the cardholder. Now 2 months later Im still calling and begging to just get the chance to show that I have every transaction they may want to look into. I only sell to people that view my offer and initiate a trade. I give my XXXX info and check once they say theyve paid and then I release the crypto  to them. I have everything from the first message, down to the positive feedback left by the buyer after the trade was completed. Not once was I asked to come and bring proof that I wasnt participating in fraudulent activity. I feel as if Im being robbed  by a bank, especially when Im being told that I didnt do anything wrong. This cant end like this. I had to put my wife and children in a car every night for 3 nights I order to stay warm until I sold the only thing my dad left me just to pay our light bill. I do not deserve this treatment when I try my best to make everyone have a great day every day. MY FAMILY IS LITERALLY SUFFERING DUE TO ME GETTING ALL OF OUR MONEY TAKEN AWAY BY DOING NOTHING WRONG AT ALL! In no way is this fair to me when if there was fraudulent activity going on, I had no idea AT ALL and NOTHING to do with it. Im a XXXX  XXXX  putting my own life on the line daily to help people Ive never met. Im not a criminal and I wouldnt and couldnt scam someone and get over on them. I feel like Im less than a man/husband/father watching my family suffer and the only thing I can say is its going to get better, knowing that its not. I NEED my money back and its only fair. Why do I have to take the loss when Im being told I did nothing wrong? IM BEGGING AND PLEADING WITH YOU. PLEASE HELP ME. PLEASE .... I beg you and Im sorry this is so long but you have to understand. I CANT LET THIS JUST END LIKE THIS AND SUFFER MY FAMILY.
Complaint sub-issue: Their investigation did not fix an error on your report

There are some item resolve, closed, charged off, paid off and clear on 2020. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.
Complaint sub-issue: Trouble with how payments are handled

I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and XXXX. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Complaint sub-issue: Information belongs to someone else

I am disappointed that my credit file is not corrected even how many times I disputed the listed items. XXXX and Equifax proceed their investigation and also removed items that I mentioned. I've already told you that my report contains accounts that are the results of identity theft.
Complaint sub-issue: Information belongs to someone else

The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission : XXXX and will address each credit bureau separately. I demand that they work on my file with in 24 hours in  compliance with FCRA. I will fax an affidavit and will list errors.
Complaint sub-issue: Problem lowering your monthly payments

In early XXXX of this year I was going through some really bad financial hardships and was also in the process of moving, and have been missing payments on my 4 Direct Sub Stafford student loans all the way until now. 

I have just recently gotten back on my feet and hold an XXXX job, but I have not gotten settled in my current living situation so I have not been able to repay the payments that are past due. At this current rate, I will not be able to pay on time because of the past due balance for at least another couple months.
Complaint sub-issue: Debt is not yours

THE COMPANY AMERICOLLECT INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, 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 whom may have knowledge concerning any such terms of information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to XXXX, Equifax, and XXXX asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX, Equifax, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Complaint sub-issue: Information belongs to someone else

I was a victim of the Equifax Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX  and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX, Equifax and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from XXXX and Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Inquiry : XXXX XX/XX/2020.
Complaint sub-issue: Problem using a debit or ATM card

I sold a car on XXXX. Received payment through cashiers check for {$2500.00}. I deposited the check through the mobile application on Monday XX/XX/20 and the funds all cleared within 36hours. Shortly after the funds cleared and I began to close the sale, the buyer called to back out of the sale citing family turmoil XX/XX/20. I was pressured into sending the funds via XXXX/XXXX XXXX. I didnt think anything about it because my bank cleared the funds. I made three transfers on Wednesday the XXXX : 1. XXXX {$500.00}, 2. XXXX {$1500.00}, 3. XXXX {$500.00}. After I returned the money, my checking account reflected the normal amount before the check had been deposited. Thursday the XXXX I went to buy food and my debit card was declined. I called the bank and was notified that the check I deposited was reported stolen and that the funds would be replaced. On Friday XX/XX/XXXX, my direct deposit from work came in and my account was still negative. I called Citibank and they notified me that I would be responsible for the fraudulent funds I transferred out and that they are not responsible for any checks deposited. I argued that I did not know that the check was fraudulent and that the funds cleared in my account. Furthermore, I would not have authorized the transfers through XXXX/XXXX  had I known that the funds were fraudulent. I spoke to several supervisors and they all told me that because I authorized the transfers from my account that I was solely responsible for the fraud and that they would not be able to credit my account for the stolen funds. They said that the check was cleared at first in good faith, and only after the return transfers were made was when the check was flagged as stolen. I am left to assume the risk and liability of the entire thing. I filed a police report and also contacted the federal trade commission.
Complaint sub-issue: Reporting company used your report improperly

I called Equifax after its security breach to procure good security for my credit account. I asked where he was from and he said the XXXX. I was speaking with a person from the XXXX XXXX about MY Account! He said he was an Equifax Rep. I learned that XXXX has the same practice.

What are these agencies doing allowing foreigners to see American 's credit information? I want it stopped ASAP. I asked my Congressman, Rep. XXXX XXXX, Arizona, to look into it. I never heard back. That was several months ago.
Complaint sub-issue: Reporting company used your report improperly

in accordance to the Fair Credit Reporting Act and XXXX account number- XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I filed for chapter XXXX bankruptcy and the bankruptcy included my student loans. The judge reviewed my hardship And verified my documents to prove my inability to pay the student loans. 
I notified fed loan services and they refuse to honor the student loans included in my ch XXXX bankruptcy and sends me notices every month. My bankruptcy was discharged XX/XX/2018. My bankruptcy number is XXXX Delaware bankruptcy. XXXX XXXX and XXXX deleted fed loan services from my credit report but XXXX  wont delete it. I can not afford $ XXXX  month repayment. I get fired all the time. I gave this evidence to the judge. I have to work low paying jobs. Not earning anything near what my credentials are. This is related to institutional oppression. This was proven to the judge and he gave me and my family, mercy and included the fed loans, in ch XXXX bankruptcy. Please help me. I been battling this for two + years now. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax on multiple occasions to have the remove information from my credit profile that I have disputed and proven to be wrongly reported information I have sent out multiple letters calls and even one company had already requested that they remove accounts I have disputed and they have yet to remove them or the fraud inquiries I disputed in which
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Equifax has yet to provide that proof of verification. I received a copy of credit report that stated that XXXX XXXX is the furnisher of this erroneous bankruptcy record. After receiving that, I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/2021. Letters sent to Equifax via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has also surpassed the 30 days since I submitted the 3rd request for proof of verification on XX/XX/XXXX. This account is unverified and needs to be removed from my credit file.
Complaint sub-issue: Frequent or repeated calls

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.