Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get flexible payment options

I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.
Complaint sub-issue: Information belongs to someone else

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX  Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive  damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax disclosed my personal information as part of a data breach. 

According to Equifax most of the consumer information breached includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the three credit bureaus asking for an investigation, verification, and updating of these suspicious accounts. Because I firmly believe that the Credit Bureaus willfully violated FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, I will take legal action against the three Credit Bureaus. I had included these accounts in my complaint from XX/XX/2022, and I'm submitting them again. the accounts listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$0.00} ; these account information on my credit file has to be updated to reflect the current balance.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

THE PUBLIC RECORD IS A DISMISSED ACCOUNT, I AM NOT LIABLE TO THIS ACCOUNT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ITEM OFF MY CREDILT FILE
Complaint sub-issue: Account status incorrect

Out of my 11 student loans, 3 are fffelp. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about 12+ years later. 
XXXX XXXX, XXXX, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a XXXX XXXX XXXX. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still XXXX  in college seeking my degree XXXX XXXX, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest Fourth, the 3 entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} thousand in debt when my original loans were approximately {$35.00} thousand. 

Fifth, 3 out of my 11 loans serviced by XXXX  were incorrectly reported as 150+ days late and 4 mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my credit score for XXXX to XXXX. 

After many attempts to solve this with XXXX and 8 disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of 120 - 150 days late. It doesnt make sense logically, How can it be be 120 - 150 days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these 3 loans because if XXXX were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called XXXX to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Complaint sub-issue: Attempted to collect wrong amount

I've repeatedly contacted IC Systems ( ICS ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX to ask that they remove an account previously with XXXX XXXX for Cable and internet services in the amount {$130.00}. 

The company has been report this account as in a collection status since XX/XX/2020. The account in fact was over-paid closed. XXXX actually issues a {$250.00} credit for the overpayment. 

I reached out to IC Systems several times starting in XX/XX/2020 to ask that they contact XXXX XXXX to confirm the status of the account and I was told that they would not contact XXXX XXXX  to confirm the account. 

I also provided a copy of my receipt of the final payment made in XX/XX/2020 along with a letter asking that IC Systems delete to account. At the time I was just retiring from the military and trying to complete the purchase of a home. 

Due to the erroneous debt my credit score dropped over XXXX points over the course of 6mos and forthmore impacting my ability to secure a mortgage. 

I'm currently consulting an attorney to possibly file a lawsuit for damage as result of IC System 's erroneous reporting of this account. 

I'm also considering pursuing a class action suit again the company for it's practice. 

Please help.. 

Respectfully,
Complaint sub-issue: Information belongs to someone else

Incorrect information being reported due to unlawful consent.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove unauthorized in queries from my credit report after informing them that Ive been a victim go identity theft and that my personal information was leaked onto the " dark web ''
Complaint sub-issue: Problem with fees

Todays date : XX/XX/2018 XXXX : CitiBank Credit Cards Forced by CFPB to Refund Cardholders : ( for deceptive marketing and incorrect charges associated with credit card add-on services ) So, I received a letter from Citi dated XX/XX/2018 stating that I was being issued a statement credit of {$520.00} and that I did not need to do anything in order to receive my refund. I have not received my refund. It also states that the refund was applied to my account. Citibank is holding my refund. How can this be legal? 
My account has been closed for years and Citibank, without serving me personally, took me to court and has a lien on my home. This lien is still active as of today 's date. 
The letter dated XX/XX/2018 has a contact number that I called to try and get answers as to why they have a lien on my property and holding my refund. 
I called and spoke to XXXX on XX/XX/18 approx. XXXX XXXX, I asked why didn't I get my refund? She said ; " we can not give you a check. Call Customer Ser. on the back of your card. '' Then I Spoke to XXXX, on XX/XX/18 she said ; " didn't know about refund. '' I was transferred to XXXX, who worked for a 3rd party " XXXX ''. He said call Customer Ser. they will be able to tell you how to get your refund on a closed account. 
I was transferred again to XXXX ; she said " you were transferred to the wrong dept. '' I was transferred again to XXXX ; she said, " I can not help you '', she was also from 3rd party " XXXX ''. 

Citibank already has a lien on my home, how can they now hold my refund? Citibank is still being unfair and deceptive. 

Please help me to obtain my refund,. 
XXXX
Complaint sub-issue: Information belongs to someone else

Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, XXXX XXXX XXXX XXXX pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid {$120.00} through Citibank credit card for two pairs of trousers from XXXX XXXX XXXXXXXX that were never received by me. XXXX XXXX XXXX XXXX$120.00} on XX/XX/2020. 
The seller says they were delivered but they were not received by me. They initially offered me a refund but reversed the credit. There was no way for me to contact the seller at all except by very delayed email. So I have paid for items I never received. Surely they have insurance for lost or stolen items. 

The dispute center said this : Reason for Dispute Goods / services never received Credit Status Conditional credit reversed Investigation complete Resolved in merchant 's favor XX/XX/2020 2020
Complaint sub-issue: Transaction was not authorized

Someone called in from US banks number pretending to be them. They said that someone was trying to spend {$3000.00} in XXXX services ( which i have never used before ). They asked me all the same questions US bank asks and just wanted a confirmation number to verify my identity, and with that number, they were able to take {$1800.00} out of my checking account. I called and filed 2 claims with US bank and filed a police report, but US bank refused to help me. They knew about the issue and did not tell their customers until 2 weeks later, but did not want to help those that had to go through the issue before the email was sent out. Every time I was on the phone with them, all they did was transfer me around to multiple people who could not help me. I thought my bank was supposed to help protect me and help, and this was a problem that they should have let us know about sooner, or done something to help.
Complaint sub-issue: Account status incorrect

CBNA/Best Buy reported me late after they confirmed they had my address on file incorrect and that the statements were returned to them. I never got a phone call or an email about this. Then my credit report shows that they reported me late when in fact I was n't, I never received my bill.
Complaint sub-issue: Their investigation did not fix an error on your report

These companies are reporting 30 day lates on my credit report.
Complaint sub-issue: Deposits and withdrawals

I had problems with my Debit card and credit card working. I ordered a new one had it overnighted. Now the bank refuses to let me have access to any of my funds in my account. I am a XXXX veteran and am on a fixed income. I use this money to eat and heat my home, and pay for the things I need to survive. I dont know what to do now.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Complaint sub-issue: Problem accessing account

This involves all my Ally accounts not just my savings account. " All accounts '' was not an option. 

When I log in online to my Ally accounts, it asks me if I want the login code sent to my email address or to my phone. Somebody is trying to open accounts in my name, and filed a fake income tax return in my name, and I don't doubt that they will try to hack my email. 

I have changed my password, but that's not enough. 

I have repeatedly asked Ally to remove the option of sending the login code to my email address, since somebody can hack my email. Sending the login code to my phone is much safer, and I always choose that option. 

Ally ignored my request and simply told me to change my password. Which I have already done. 

However, sending the login code to my email address should NOT even be an option. The way Ally has it set up now, somebody can simply hack my email and have the login code sent to my email. Again, this should NOT be an option.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX of XXXX I received a hard inquiries on my personal XXXX Credit Report from PNC Bank which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from PNC Bank in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.
Complaint sub-issue: Account information incorrect

This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of { {$6400.00} } with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Received notification on credit report that the company had added a derogatory collection on my credit report. Never received a correspondence via mail or anything about the collection. The collection agency fail to provide information in regards to this collection. Debt was never confirmed to be mine. No Contract was ever signed with the Collection Agency. I never received any information that was submitted to the Credit Bureau to showing that this debt was mine. 

I have proof that the collection was added to my credit report around XX/XX/2019. That is how I was made aware that something was added to my credit report. 

statue of limitation in the state of Texas is four years. Not understanding why would this collection agency report something that failed to send me information about this debt.
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. The creditor Original Creditor : XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so. 

Account Name : ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX** Reason : I don't recognize this account
Complaint sub-issue: Information belongs to someone else

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In XXXX of 2022, somebody fraudulently applied for a XX/XX/XXXXXXXX credit card using my name and social security number, resulting in a hard inquiry on XX/XX/XXXX to each of the credit reporting agencies ( XXXX, XXXX, Equifax ). 

I contacted XXXX XXXX on XX/XX/XXXX, they agreed the credit card application was fraudulent and cancelled it. 

I filed disputes with the credit reporting agencies to remove the hard inquiry. XXXX agreed this is identity theft and removed the hard inquiry from my credit report. Equifax, however, said 'this is a factual statement of access ', and refused to remove the fraudulent inquiry from my credit report. ( XXXX asked me to mail in a written dispute ; I haven't yet heard back. )
Complaint sub-issue: Investigation took more than 30 days

I send a dispute letter on XX/XX/2022, of this account and still don't have responded to my dispute. The account was open fraudulently I send a copy of my Identity Theft report and they ignore it.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.