Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily delay making payments

Ive contacted the loan servicer numerous times and its been 6 months since Ive been able to pay my student loan they have destroyed my credit they wont return my calls or my emails. They have threatened to send me to collections. I am a single dad trying to pay to keep a roof over my head and bills on a single income. I tried to defer they said I made to much which isnt true as they dont know what bills I have with my daughters health and paying the rest of the bills I have. I want them to remove the late fees remove the blemishes they left on my credit and most of all negotiate to bring my payment lower
Complaint sub-issue: Problem with personal statement of dispute

I have notified this company that this account doesn not belong to me and that my identity have been stolen and this account was opened up fraudulently. They have not updated me with any information and I want this debt to be remove/cancelled as well as my credit report update immediately. I have tried disputing this through the credit bureaus and not satisfing outcome
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.
Complaint sub-issue: Information belongs to someone else

I have contacted the credit bureaus about the fraudulent items and inquiries on my credit report and they still haven't taken them off yet
Complaint sub-issue: Company closed your account

Hello, I am a XXXX at a top-tier university and was trying to consolidate my downpayment in one account-Citi Priority checking account for a home purchase. I deposited XXXX over three days from my XXXX  and XXXX  XXXX XXXX accounts to my Citi Priority checking account. They froze my account and terminated my account with no notice. I was about to lose the home we were ready to purchase due to this inconvenience. I want to understand my rights, and how they can disable my access to my hard-earned savings. I attempted multiple times through phone, visiting a branch, and talking on chat but no respect and luck. I am willing to learn what are my legal rights and complain about this disaster operation that Citibank conducted
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; XXXX date : XXXX XXXX & XXXX, 2021 ; XXXXXXXX XXXX XXXX date : XX/XX/2021, and XXXX XXXX date : XXXX XXXX, 2021 were properly investigated but how is that possible if these account only report on one credit bureau? This is clearly inaccurate which means it is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiry on my report should be taken off I dont have a product from XXXX XXXX.
Complaint sub-issue: Account information incorrect

I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my XXXX  listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE
Complaint sub-issue: Information belongs to someone else

1.I have never had an account with this company REPUBLIC FINANCE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REPUBLIC FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2005 XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.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 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account information incorrect

Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Complaint sub-issue: Don't agree with the fees charged

I have called multiple times from XX/XX/2021 thru XX/XX/2021 to make a payment. I can not reach a live person. When I try to make the payment it keeps kicking my off and now they have added multiple late fees. Sallie Mae is the absolute worst company I have every in my life dealt with. I do not know what I need to do at this point because I can not speak to anyone. I was on hold for over an hour and never got anywhere!!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I tried disputing these medical charges through XXXX. Im a XXXX veteran  and all the medical charges were before i got my XXXX rating and the medical charges are all XXXX XXXX  XXXX.
Complaint sub-issue: Old information reappears or never goes away

I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

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 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2500.00}.
Complaint sub-issue: Account status incorrect

My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I  called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.
Complaint sub-issue: Information belongs to someone else

Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
Complaint sub-issue: Fee problem

Hello, In an emergency a few years ago I ordered checks through my bank, PNC, and it wound up costing almost {$40.00}. I ate it at the time because it was an emergency and I did n't have much of a choice. When I went to my bank to ask if there was any way to get simple basic checks at a low cost or preferably free since it 's a service that should be offered to customers for free ( I did not realize you have to spend money to spend money as well ) and the marginal cost of checks has to be very low for a bank. They lied through their teeth. First the representative claims to me that there was no shipping on these checks and they cost between $ XXXX-XXXX. Then he proceeds to sell me on a higher fee account on claims that there would be a heavy discount on ordering checks. I made it through to the checkout portion only to find he had lied to me about shipping costs and in fact an new order of checks did cost between XXXX-XXXX dollars. And if I recall correctly it took forever to arrive a few years ago. To make matters worse he told me I was not allowed to order checks through anyone else but the third party PNC chose. Oh and the kicker he got me to abandon a no fee grandfathered account here. PNC are a bunch of crooks. I have little hope that this will do anything because of how cozy the administration is with the financial sector but hopefully posting this publicly will get more people aware of the shady practices of even the most " respectable '' banks.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.
Complaint sub-issue: Trouble with how payments are handled

I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.
Complaint sub-issue: Account information incorrect

I have tried for several months to correct this matter with XXXX XXXX to no avail. XXXX XXXX reports two loan accounts on my EQUIFAX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my Equifax report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to XXXX XXXX directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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 1681 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
Complaint sub-issue: Information belongs to someone else

I sent my documentation to EQUIFAX and they keep telling me that the information is verified but they have not provided proof by way of documentation to show that these are my actual debts.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank had requested some XXXX documents earlier this year. I provided all the information requested. XX/XX/2019 Citibank called and sent email to confirm receiving the information. Despite confirming receipt of information, Citibank froze my account around XX/XX/19 resulting in check payments to be returned to payees. Citibank has since reinstated my account. However, Citibank will not provide a reason in writing why my account was blocked in the first place. On contacting Citibank Customer Care via their email system, I am asked to call a Citibank number XXXX. I did that which takes me to their general menu with no option to speak to a customer service rep. I sent a second email via their internal contact email but still get the same response - call this number.
Complaint sub-issue: Information belongs to someone else

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 XXXX DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX XXXX XXXX Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

EQUIFAX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Complaint sub-issue: Problem getting your free annual credit report

TRIED ONLINE AND COULD NOT GET A REPORT, CALLED EQUIFAX AND STILL THEY REFUSE TO GIVE ME A COPY OF MY CREDIT REPORT. I ANSWERED ALL QUESTIONS ACCURATE. I HAVE NO PROBLEM GETTING MY REPORT FROM XXXX OR XXXX, EQUIFAX TRIES TO MAKE YOU JUMP THROUGH HOOPS AND TREATS ME UNFAIRLY WHEN TRYING TO RECEIVE MY REPORT. I ALSO NEED TO CHECK FOR ACCURACY OF ALL INFORMATION.
Complaint sub-issue: Didn't receive notice of right to dispute

This company has continuously charged me again and again over the past several years. I have not been able to set up payments due to being without job sometimes or having to pay more important bills. I don't think it's fair to be charged over the years, I also had no idea I could dispute or I would have done this a long time ago.
Complaint sub-issue: Account information incorrect

I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.
Complaint sub-issue: Unexpected increase in interest rate

Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request
Complaint sub-issue: Account status incorrect

XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
Complaint sub-issue: Problem with fees

XXXX XXXX  refunded me a check for interest on my account due to SCRA XXXX XXXX military. Whey they refunded the check in the amoun tof {$1800.00} they also added he amount to my balance. When I called they could not explain why the amount was added. I disputed the amount and the letter does not explain why it was added. Please provide an explanation on why you provided me with a refund of the interst that is entitled to me and why you would then add the interest back as a charge? 

My balance increased the month of XXXX or XXXX?