Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I lost my job in XXXX of XXXX due to XXXX  hardships with my employer. Due to being on unemployment for several months at a much lower income and then having to take a job at a salary of more than $ XXXX less annually, I could not afford to pay my high rate interest credit card through Citibank. I opened this credit card in XXXX of XXXX and was never late on a payment, and always paid at least the minimum amount due. When I was in tremendous financial hardship due to XXXX however, Citibank was unwilling to work with me to try and work out a payment plan, all the while charging me over 25 % interest each month. 

My mortgage lender ( XXXX XXXX - XXXX XXXX ) was so helpful and offered me a loan forbearance plan to where I could pause my mortgage payments and nothing would be reported to my credit that I was late or behind in payments, and I am not being charged any finance charges or late fees. My mortgage lender is still being so helpful and working with me again now and they have extended my forbearance plan XXXX times so now it runs through XX/XX/XXXX. In addition, my auto loan company ( XXXX XXXX XXXX ) has also been so helpful and has allowed me to make my monthly car payment in XXXX installments each month with no interest, late fees or penalties. 

Citibank on the other hand, is a predatory lender and has been completely ruthless, repeatedly calling and harassing me and demanding I pay the full amount that is past due plus the new finance charges that accrue each month, even though I haven't used this credit card since XXXX. 

I know my rights outlined by our United States Constitution and what Citibank is doing is unlawful by charging me such an outrageous interest rate and late fees. 

My credit scores were in the mid to high XXXX 's in XXXX and now I am barely in the mid XXXX 's now. 

Citibank ( XXXX XXXX XXXX I, XXXX, as Assignee of Citibank , N.A . ) has filed a lawsuit against me ( Case # XXXX in XXXX XXXX, Illinois ) and I have to appear in court on XX/XX/XXXX to defend myself. I can not afford to hire a lawyer to help defend me. I can't even afford the nearly {$6.00} per gallon of gas each week to get to and from work, let alone food for my family and I have been a struggling single mother for almost 18 years. 

I really need your help. Thank you for your time. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Can't temporarily delay making payments

My student loans are serviced through XXXX XXXX. I needed to recalculate my Income Based Repayment amount because I changed jobs, and I now make significantly less than I was making before. I applied online to have my payments recalculated on XX/XX/2018. I needed to mail a copy of my paystub as supporting documentation, which I mailed on XX/XX/2018. I called XXXX XXXX on XX/XX/2018 to inquire about the status of my request, and I spoke with XXXX ( employee id XXXX ). He informed me that my application was considered complete on XX/XX/XXXX because XXXX XXXX received my supporting documentation. However, on XX/XX/XXXX XXXX  XXXX  issued my bill for XXXX, which is due on XX/XX/XXXX and is for the higher amount based on my previous salary. I asked him why that bill was issued even though my application was complete beforehand, but he responded that it takes 2 to 3 weeks to process the application. I then spoke with XXXX ( employee id XXXX ) and another employee named XXXX ( employee id XXXX ) who confirmed that it takes 7 to 10 business days to process an application to recalculate IBR payments, and bills are issued 20 days before they are due. Therefore, it is IMPOSSIBLE to apply for a recalculation in IBR payments without also entering into at least a one month forbearance, and likely two months will be needed. During this time, interest continues to accrue and is capitalized. In other words, XXXX  XXXX is extorting students with accrued interest as a penalty for its delays in processing an application for IBR. This can not be supported by the regulation. If any forbearance is needed for XXXX XXXX to process an application, the forbearance should be interest-free because the delay is due solely to XXXX  XXXX XXXX own inability to process applications in a timely manner.
Complaint sub-issue: Problem with product or service terms changing

On XX/XX/2020, I was contacted by a Citi Credit Card representative by phone regarding a late payment, however, because I knew my accounts were on automatic payments, I thought this was a scam and did not proceed with making a payment over the phone. Instead I logged onto my account and saw not only that my auto-payment was not made in XXXX and XX/XX/2020, I was charged {$70.00} in late fees. I contacted a Citi representative via the messenger application and was informed that my account was two months delinquent because auto-payments were removed " per my request in XX/XX/2020. I explained I never requested auto-pay to be removed and that a mistake must have been made. The rep told me Citi attempted to contact me via email but they were returned undeliverable. I explained I have had the same email address for the last 12 years and have always kept my contact information with Citi up to date. I also asked why I wasn't called if clearly they had my correct phone number. I have screen shots of my messenger conversation with Citi as evidence of this conversation. 

The Citi rep even refused to forgive the late fees of {$70.00} despite my explanation that some kind of error was made. Despite this, to avoid any negative treatment, I paid my credit card balance including the late fees assessed ( {$680.00} total ). 

I later found out Citi had already submitted a negative mark on my credit report for XX/XX/2020, the same month they started to call me about the matter : Status/ Account Status = Past due 60 days. I have had this Citi credit card for over 10 years and had my account on auto-pay for over a year, suddenly without notice auto-payments were cancelled and I wasn't notified until after late fees were assessed and a negative remark on my credit was made. 

I reached out to Citi Brands Credit Bureau Disputes and sent several letters with detail and evidence attached. On XX/XX/2020, Citi responded with a letter stating they believe the information appearing on my credit report is correct, and refused to remove or amend the negative remark on my report. 

I highly suspect fraud on Citi 's part considering the suspicious manner in which auto-payments were cancelled in my account, lack of proper notice, and refusal to forgive the late fees assessed or at the very least remove the premature negative remark made on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi Equifax, XXXX, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXXXXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Complaint sub-issue: Trouble with how payments are being handled

My loan servicer is listing the incorrect number of PSFL qualifying payments on my loans. I began making qualifying payments in XX/XX/2013 and have had more than 60 qualifying payments. However, they list only 40 qualifying payments on most of my loans. They tell me that my qualifying payments are " under review, '' but this review has taken an unreasonable amount of time ( more than 5 months ).
Complaint sub-issue: Information belongs to someone else

Identity theft has happened to me. These charges mentioned in the Identity theft report were not supposed to be in my report. I did not make them. Under 15 USC 1681c-2, I meet all of the conditions for blocking and removing information from my consumer report. I reserve the right to file a lawsuits against you for violation my consumer rights.
Complaint sub-issue: Investigation took too long

Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Back in XX/XX/XXXX I decided to go back to school for XXXX XXXX through XXXX University XXXX. I received my XXXX XXXX in XX/XX/XXXX and since then it's been a total nightmare. XXXX College, part of XXXX  Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. They did a partial discharge which doesnt help anything because the 10 % discharge only covered the interest they added.
Complaint sub-issue: Debt was paid

I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please
Complaint sub-issue: Their investigation did not fix an error on your report

i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

there are 16 inquiries don't belong to me and i called XXXX XXXX and they told me to file complaint here. i am VICTIM of their inquiry issues
Complaint sub-issue: Other problem

On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card. 

According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card. 

I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.
Complaint sub-issue: Billing dispute for services

I have not disputed anything since XXXX. I called equifax beginning XX/XX/XXXX to take any dispute information out if credit report as it was keeping me from closing escrow on a home. They started a dispute, exactly the opposite of what I told them to do. I have called five times in four days to get it removed. They still have not.
Complaint sub-issue: Account status incorrect

XXXX charges me for internet service that I cancelled almost 3 years ago. I called over 10 times and they said the bill would be XXXX out when I went to check status in XXXX it stated it had gone to collection. I immediately paid the {$56.00} even though I did not owe it. They need to remove this derogatory remark immediately
Complaint sub-issue: Information belongs to someone else

XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}
Complaint sub-issue: Information belongs to someone else

There is a collections through Tek Collect that is from my wifes business that was an XXXX that I was not an owner of at all that is reporting just to my XXXX  report. The balance actually owed on this account is {$2400.00} which my wife has tried to pay but the business owner has been charging 18 % on the loan for the last 4 years and will not except just the {$2400.00} payment. The business owner has taken a debt that was for a business and in the business name and has switched it from the business name into my wifes name and then into both our names and now only into my name. We have tried multiple times to get this corrected and fixed and now he is showing the debt at our personal address now to instead of the business. We have tried to dispute it through XXXX but we are getting no where with the business owner, collection company or XXXX. We have been in contact with all parties multiple times and either don't get calls back or cant get any straight answer and they just tell us to get an attorney. We have already paid {$1100.00} towards this balance that was owed which is how the balance is down to {$2400.00}. When looking through the documents there are miscellaneous charges to the amount that no one can give us clarification on what the misc charges are for. They are for a couple XXXX dollars each.
Complaint sub-issue: Debt is not mine

AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.
Complaint sub-issue: Account status incorrect

It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after LoanCare LLC reporting 90 days late and my credit score was greatly affected.
Complaint sub-issue: Debt is not yours

I received a notification of a Collection Account on my credit report by Jefferson Capital Systems , LLC for {$340.00} this year from XXXX XXXX. I have not had a XXXX XXXX account for years, however as soon as I received that notification, I contacted the CEO 's office at XXXX XXXX. I told them that I did not owe this amount, that it consisted of charges that I never agreed to and that I had repeatedly told them that it was incorrect. The person I spoke with at the CEO 's office said 'Just a minute, I think I have a copy of your contract ' and then she got back on the phone and stated that there was no contract proving that I owed this amount. Therefore, I disputed this with the three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) online and I stated that these were Fraudulent Charges and that I wanted to see a Signed Contract and for the Debt to be Validated and Verified, and that if that could not be done that it should be removed from my credit report immediately. All that happened is that I heard back from the Credit Bureaus, online, with nothing in writing and nothing by mail, that Jefferson Capital had responded that the information was correct. I want to see a Signed Contract, and I want the Debt to be Verified and Validated, or for this collection account to be removed from my credit report with all three Credit Bureaus. I am XXXX years old and my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is exacerbating my XXXX and is harassment.