Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

I have attempted to arrange payments that are based on my income and I have not been able to. I am currently only working 2 days a week and I am unable to pay the payment amount requested. The company has only given 3 months forbearance during this pandemic yet interest rates continue to accrue.
Complaint sub-issue: Collected or attempted to collect exempt funds

CKS financial, took me to court for a XXXX, XXXX dollar small claims in XXXX county magistrate court. I called the prosecutor and I was advised to turn in my 100 % XXXX paperwork and I did, but they will not stop harassing 's me with lawsuits. Please advise.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. Equifax was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem
Complaint sub-issue: Can't decrease my monthly payments

Since XX/XX/2016 I have been trying and doing everything the AES has asked in the time they have requested, but they still deny me the right to have a Long Term Repayment Modification on my account. I am unemployed at the moment and I need this because I am close to defaulting on my loan repayment. They have asked for paperwork that I have given in the time they gave me, but each time the come back with the same response ; " they have not recieved the porper paperwork in the time that was required ''. This is not true because I call them and make sure that I have all the paperwork that is needed in and in the time that they gave me to get it in. The person ( s ) I talk to they always say that I have it in, but some how I do n't at the same time. The are giving me the run-around and it is ethically unfair.
Complaint sub-issue: Didn't receive enough information to verify debt

Good day, I have disputed Hunter Warfield account since XXXX XXXX and this account still is not resolved. The creditor is a third party for XXXX XXXX XXXX saying I owe {$2800.00} for damages when in fact they are normal wear and tear. This account still have not been properly verified and they are not able to provide an itemized list of the damages that they are saying I am responsible for. It is causing me so much stress and I am trying to rent out another apartment for me and my family.
Complaint sub-issue: Received bad information about your loan

I had a student loan years ago, currently serviced by XXXX XXXX, i filed XXXX on XX/XX/XXXX to pay the debt in full for XXXX account {$12000.00} and {$1100.00}, they never applied the funds. I also let them know that they never actually loaned me any money, instead they created a promissory note off my signature and pretended to loan me the money that was created which is fraud and they failed to report this income and instead collected XXXX,, I further filed a XXXX for each account which cancels the debt on XX/XX/XXXX, the still failed to acknowledge that i owe them nothing, i further sent them XXXX promissory notes on XX/XX/XXXX which were received and are legal tender, they have not been returned and therefore according to law they are accepted and these debts are XXXX under the postal rule and the law.. I called them today XX/XX/XXXX and requested a FULL accounting and ledger of how the " loan '' came to be, also requested a XXXX due to them evading taxes, and making money off my signature.. 

this debt is paid in full and or cancelled out it needs to be updated
Complaint sub-issue: Information belongs to someone else

Acima Credit FKA Simpl - XXXX - balance owe {$1500.00} this debt is not mines. I have contact XXXX and they telling me they will not reinvestigate. I definitely paid this debt, off in XXXX months in cash to the place of business. I move around and this happen so many years ago I no longer have receipt but I clearly paid it in 90 days to avoid paying XXXX. Please remove from my report. Thank You.
Complaint sub-issue: Problem getting a working replacement card

My application for the Citi XXXX XXXX was approved on the XX/XX/XXXX from an email I received. My card was sent via mail and I never received the card. I called Citi multiple times to try to fix this and got no where. They can not verify my account or access my account without sending in a letter in the mail. They sent a letter on XX/XX/XXXX out to my address again. However, they can not access my account and verify my address. One rep claimed my zip code was wrong, but a supervisor claimed they use an automatic data base to send out a letter. I just moved and explained this to them but they don't see to understand. I provided my security code, social security, and phone number. These do not work for verification. I received several tax messages from Citi asking to call to active my card. I received a call from a supervisor on XX/XX/XXXX ( I have the number saved ). However, Citi is unable to send me a text or call to verify my account. They system doesn't allow them to send a code. I tried my work number, partner 's number, cell, parents. None of these numbers work in their system. The only way to get access to my card so they can send me a new card is getting personal information in the mail. They keep sending this to the wrong address. I can not even cancel my card online when I ask. I'm unsure how to proceed in getting my card if they can not verify me over the phone. I find it hard to believe a company that size has to send you a letter in the mail. I've had several phone calls without any help. I told them I would file a claim and they told me to wait for a letter to cancel my card or file a complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are a few accounts on my credit report that I do not recognize
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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: Their investigation did not fix an error on your report

For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.
Complaint sub-issue: Didn't receive enough information to verify debt

Identity Theft/ Mail Fraud filing ; homeowners ' not in foreclosure ( XXXX ). 
NC DOJ # XXXX XXXX - Citibank ( 2 ) Accounts - Debt placement and amount confirmation
Complaint sub-issue: Problem using a debit or ATM card

Received SSI deposit on XX/XX/2019. All of the funds were taken from my account without my consent on XX/XX/2019. I contacted the bank on several attempts to dispute but was on hold over an hour with no one to come to the line. I monitored my account for days and observed deposits placed and removed. One deposit for {$15.00} then XXXX balance. Another day a deposit of {$60.00} then immediately after less than {$1.00} balance. The card has not been used by myself and is in and always has been in my possession. I have yet to be able to speak with anyone from US DIRECT EXPRESS
Complaint sub-issue: Information belongs to someone else

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX   XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX, XXXX  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a letter from Equifax stating that my information was accessed in the Equifax Breach. I have 3 inquiries on my credit report with Equifax that I didn't authorize. They are the following : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX and XX/XX/XXXX ).
Complaint sub-issue: Confusing or missing disclosures

I opened a Citibank account a couple of months back. Before opening the account I informed the bank agent that my sole purpose for opening the account was to receive my EIDL payment from the XXXX. I was not told, informed or advised to open a business account. I asked several times to make sure that the funds would be deposited without a problem. About twXXXX months later I was contacted by XXXX and they gave me a list of XXXX questions to ask my bank. I called citibank on XXXX separate occasions and ask the questions. They responded and assured me everything would be fine. Once I received the funds I began to buy the products I needed to get my business going and paid and made payments on credit cards I had been using for my business. That same day I went to a branch to take out some cash more than the ATM would allow. There I was told I can not take out funds from there because I didnt have a business account. I immediately got back in the phone with Citibank and I was assured that my account was fine and good to go. The agent on the phone then advised me to go to another branch. On my way to the next branch I stopped at a store to get something when I realized my card had been shut off. After that I got back on the phone with Citi. I was told to wait. A 24-48 hrs for them to verify. After 48 hours I called back and was told to go to a branch with all of my business documents ; that once I went to the branch with my documents the block on my account would be lifted. So I took my documents into the branch. Once I submitted the documents I was informed that my account would be closed. None of the credit card payments were able to go through. That is so unfair. I followed every protocol. While on the phone and speaking to many different agents they all told me different things and they were all inconsistent. Its unfair I feel defeated and my business is taking the hit for it. I feel helpless and I dont know where else to turn. Every time I get through on the phone with a specialist they would just hang up the phone with out any real reason. Please somebody help me. I am a mother of XXXX trying to make a way and get ahead in life and its unfair that a company can just hold funds that belong to me without me being able to do anything and with no real solid explanations. I provided all the necessary documents to prove my business.
Complaint sub-issue: Reporting company used your report improperly

This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a XXXX XXXX XXXX here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from XXXX XXXX XXXX XXXX notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and XXXX XXXX XXXX is fully aware because birthday discount sent. When I contacted XXXX XXXX XXXX customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at XXXX XXXX XXXX. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide XXXX XXXX XXXX information. Considering overwhelming fraud at every turn, I asked why no one at XXXX XXXX XXXX had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because XXXX XXXX XXXX never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Complaint sub-issue: Debt was paid

The company first started trying to collect a bill from XXXX XXXX that we did n't have. Now there trying to collect a bill with century link that we do n't have
Complaint sub-issue: Other problem getting your report or credit score

My credit score has been lowered by Equifax and XXXX  approximately 20 pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.
Complaint sub-issue: Account information incorrect

As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.
Complaint sub-issue: Keep getting calls about my loan

In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Debt is not yours

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/2018 Contact XXXX XXXX XXXX XXXX, MAXXXX
Complaint sub-issue: Attempted to collect wrong amount

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC. This loan was originally Disbursed in XXXX via GREAT LAKES. The account was sold and transferred to the XXXX XXXX XXXX ( myeddebt.Ed.gov ) in XXXX. There are a total of 3 entries on my credit report in reference to this loan. The only years I was in school was XXXX. Files are attached. 
1 ) DP OF EDUC, XXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00XXXX XXXX XXXX  ) US DEPT OF EDXXXX, XXXX, Date XXXX XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the card

On XX/XX/2020, at XXXX XXXX, I attempted to call ReliaCard customer service to speak with a representative regarding fraudulent charges to my account. ReliaCard is the reloadable debit card that Oregon unemployment payments are deposited to, issued by US Bank. Instead of looking at my card for the customer service number on the back, I went to https : //www.usbankreliacard.com/contact-us and clicked the call XXXX XXXX XXXX XXXX link which prompted my phone to call the number. The automated system that answered asked for my 16 digit card number, which I retrieved and entered, then informed me that my phone number I was calling from wasnt associated with my card, which was odd because I receive transaction alerts via text message for the card. Next, the system asked for the last four digits of my social security number which I then entered, then the system said all customer service technicians were busy with other callers, it said goodbye and ended the call on its own. I then looked at the back of my card and compared it to the number I had just called and they were different. I called the number on the card ( XXXX XXXX XXXX and the automated system said most of the same things as the previous one, but didnt have me enter my card number, my social security number, and played waiting music as I held for the next available customer service technician. The technician informed me that the first number I had called was not affiliated with US Bank or ReliaCard. Following that call, I called a local branch of US Bank and spoke to a teller about the issue, and he had no knowledge, awareness, advice, information, resolution, or so much as interest in the situation or my concerns, which he ultimately attempted to minimize before ending the call. I then spoke with local law enforcement who transferred me to the Attorney General, who referred me back to the internet and this complaint form. Following this complaint, I intend to itemize my charges, deposits, and full account history to discuss with the ReliaCard Fraud Department, cancel my current card, and order a new one, as well as use the Credit Bureaus protection features. I was already concerned but now am terribly concerned about my credit, identity, privacy, and financial well-being. I dont understand how a bank, especially such an established bank can be so careless about the privacy and security of its members. I have spent the past 7 hours  attempting to mitigate the consequential events of that phone call. I feel so violated!
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
Complaint sub-issue: Account information incorrect

XXXX, Equifax reporting old medical bills as collection items. Equifax reporting account XXXX and I never received any goods or services from this creditor. I was not allowed to dispute these items.