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

On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.
Complaint sub-issue: Investigation took more than 30 days

sent ftc and police report items are not mine
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, natural person/consumer/original creditor, noticed fraudulent accounts on my consumer reports in XX/XX/2021. The fraudulent and erroneous accounts prompted me to file a Identity theft report with the Federal Trade Commission in XX/XX/2021, which was mailed or faxed into XXXX, Equifax, and XXXX. XXXX received my report on XX/XX/2021, XXXX  received on XX/XX/2021, and Equifax received on XX/XX/2021. Pursuant to 15 usc 1681c-2 the consumer reporting agencies 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 by such agency. The CRAs did not block the information and are in direct violation of my consumer rights! My reputation has been ruined with the banks and these companies are also in violation of 15 usc 1692j because they are furnishing false information. I intend on litigating give that these companies are both criminally and civilly liable pursuant to 15 usc 1692k and 15 usc 1611 for willful and knowing violation
Complaint sub-issue: Debt is not mine

I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to Equifax multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them with the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXXCOLLECTION ACCOUNT DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX UP DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY
Complaint sub-issue: Account information incorrect

I called the deptor and they said my account of {$36.00} has a XXXX balance
Complaint sub-issue: Their investigation did not fix an error on your report

it has come to my attention that this student loan is reporting numerous times on my credit report, all under the same account number. Not only are they reporting fraudulently but are also reporting late payments on closed/transferred account which is a violation of the FDCPA. the account needs to be verified, and provide me the proper procedures made to ensure the integrity of the account is accurate. if can't supply me with the procedures taken to validate the account I would need this tradeline to be removed from my credit report immediately and stop all collection activities.
Complaint sub-issue: Account status incorrect

On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.
Complaint sub-issue: Can't close your account

For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the fraud.
Complaint sub-issue: Privacy issues

Discover has my card locked because of this IRS consent form to access my tax records. They are threatening to close the account in XXXX if I don't give them access to my tax records. They stated they need to verify personal information and the IRS is the ones they trust to provide that. They didn't use the IRS when they issued these cards, they was able to verify you without the IRS so, why you need them now. If they close my account that hurts my credit score and I'm in a program to repair my credit and buy a house, I can't afford to have this hit now.
Complaint sub-issue: Deposits and withdrawals

On Sunday XX/XX/2019, I have made an ATM deposit at a sterling bank in XXXX on XXXX XXXX and XXXX XXXX. I deposited {$1300.00} but I put in the envelop and also keyed in {$1200.00}. I called the branch first thing monday morning the person who answered the phone told me not to worry once they removed the envelop from the machine and count the money they will make the correction. she did not ask me for my account number or any orther information. That did not sit well with me I called back the second person told me the same thing but said by tonight you should see the correction but still did not take my information. I call the next day when I saw the correction was not made. the person I spoke to finally took down my information she check the account and said what ever was found in the envelop was deposited. she said she was going to speak to a supervisor and will call back. she call back stating she was told they found 18 {$50.00} bill and 15 {$20.00} bill, I told her that I knew 100 % that I had {$1300.00}, she just said sorry. a few minutes later the assistant manager called to say she counted the money herself and it was {$1200.00}. I asked if she was the first person to count it she hesitated and said yes than she said sorry darling I asked her to speak to the manager she said I am the assistant manager and hang up. I called the bank head quarter they said to deal directly with the bank. I sent the bank manager an email no response,. I file a complaint with the bank complaint dept no response. It is not about the {$100.00} it is about not being able to trust people in a company that is handling my finances. I am very sad to know for a fact that my {$100.00} was taken and people can be so dishonest specially when those people are handling my hard earn money. I know it is my word against them but I know the truth and whoever open the envelop first knows the truth.
Complaint sub-issue: Talked to a third-party about your debt

XX/XX/XXXX Discover contacted my mother about an owed debt. They are trying to reach me. They gave her the last 4 of my social and the amount owed. He said the last charge was XX/XX/XXXX at XXXX and it was opened in XXXX. He told her that it had to be paid by XX/XX/XXXX or its going to legal.
Complaint sub-issue: Account status incorrect

I am in the process of purchasing a home and my credit report shows a " Collections Accounts '' section that includes a closed XXXX account. I was billed, and the account was closed and paid in full in XX/XX/2017, which is reflected on the credit report. This Collections Report is showing damage to my credit and to the purchase of a property for my XXXX I am including a copy of my final bill and payment as proof from the receipts in my email.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.
Complaint sub-issue: Didn't receive terms that were advertised

US BANK PROMOTION OFFER XXXX promotion offer. Account opened and only activated after the estatment XX/XX/XXXX provision. The main office held on to opened account then replyed to customer just in time to miss the offer.
Complaint sub-issue: Reporting company used your report improperly

Equifax was negligent in safeguarding my personal information opening the doors to the potential of lifelong identity theft. They also did not notify me in a timely manner when the data breach was discovered.
Complaint sub-issue: Reporting company used your report improperly

Hello Lexis Nexus, I wrote you previously regarding my personal information being gathered by you and shared to third party consumer reporting agencies. You are violating my rights to privacy by collecting my personal information without my express written consent and sharing my personal information to third party companies. I have proof that the bankruptcy court doesn't report any of my personal information to third parties proving you obtained my information without a permissible purpose. I sent a document to you via certified mailed with the tracking number USPS XXXX on XX/XX/2021 and haven't received a response yet.
Complaint sub-issue: Account status incorrect

I need that XXXX XXXX make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : XXXX XXXX. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " XXXX XXXX '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on XXXX occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Complaint sub-issue: Attempted to collect wrong amount

Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.
Complaint sub-issue: Information belongs to someone else

I found an account that I did not recognize so I called and the adress and phone number that they had we're not any that I have ever used and the date in which the account was opened I was not living in the state in which it was opened in
Complaint sub-issue: Problem getting my free annual report

I have lived in the same place for over 12 years every year i ask EQUIFAX XXXXXXXXEquifax Information Services LLCXXXX XXXX, Georgia XXXXi never had a problem with the other XXXX credit reporting companys just equifax for 12 years at the same address refuses to give me a copy of my report
Complaint sub-issue: Billing dispute for services

XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Complaint sub-issue: Debt is not yours

Trellis company is insistent they i owe for two student loans in the amount of XXXX and XXXX dollars respectively. However, not only have i never procured a loan from this company or any other student loan guarantor, I have never been a student, considering I began to serve in the U.S. military directly after my high school tenure and have remained XXXX since XX/XX/1998, thus proving that I have not been a student since XX/XX/1998, and could not have applied for any student loans. I have contacted the US Department of Education, the local police, and the ftc in regards to this matter. This company is tarnishing not only my good name, but my hard earned credit worthiness as well by placing this fraudulent account on my credit profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be removed.
Complaint sub-issue: Reporting company used your report improperly

I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.
Complaint sub-issue: Problem getting your free annual credit report

I have lived overseas XXXX XXXX XXXX for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding XXXX  addresses. Annual Credit Report needs XXXX addresses. Hard to provide when I haven't set foot in the XXXX since 2018. Equifax needs zip codes - don't have them here. XXXX doesn't want to even deal with XXXX  XXXX addresses. XXXX  just sends you to AnnualCreditReport.com, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, XXXX, the free annual credit report is not free.
Complaint sub-issue: Reporting company used your report improperly

In compliance with the Fair Credit Reporting Act. Equifax, XXXX XXXX, XXXX, has violating my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.
Complaint sub-issue: Investigation took more than 30 days

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Complaint sub-issue: Information is not mine

I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.
Complaint sub-issue: Account status incorrect

Great Lakes reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.
Complaint sub-issue: Attempted to collect wrong amount

I have a debt collection on my credit report from XXXX XXXX XXXX I've been trying to have removed ever since i seen it. I've asked XXXX XXXX for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed costco membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called costco and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because XXXX XXXX has never produced a detailed list of what the debt actually is. Ive spoken with XXXX multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.
Complaint sub-issue: Was not notified of investigation status or results

I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. Equifax has not updated my credit report in three months. Equifax is in voliation of FTC laws governing my credit file. Equifax has not provided documention for any of my recent disputes.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.