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

I was granted a discharge from the debt owed to the US DOE. The DOS was informed by the collection company to NOT take any further payments from my bank account from XX/XX/XXXX-XX/XX/XXXX. The Department ignored the demand and withdrew payments totaling, {$870.00} ( {$170.00} per month during the period ). I have attempted to reach out to the DOE regarding my refund and I keep getting the response from agents that a refund will be issued in " 45 days ''. The 45 days started XX/XX/XXXX. I have yet to receive the refund and the DOE keeps tagging an additional 45 days each time I call, assuring me I am not going to get my money back that was illegally taken.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX IS BEING REPORTED WITH A {$7800.00} BALANCE XXXX 2021. THEY ARE TELLING ME STEPS HOW I CAN PAY OFF THE BALANCE. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY CLOSING DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT TO {$0000.00} WITH NO POINTERS ON PAYING OFF WHAT IS PAID OFF.
Complaint sub-issue: Information belongs to someone else

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on EQUIFAX XXXX XXXX XXXX ( XXXX  ) Date opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX
Complaint sub-issue: Talked to a third party about my debt

This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.
Complaint sub-issue: Attempted to collect wrong amount

The company set me up on a rehab plan I set up 9 payments that was the criteria. I also had to send them copies of paystubs and a bill 3 times I met my part of what they asked. They are a year later calling saying I didnt make all my payments which I did I gave them my account info and approved the 9 payments they advised were required. I also faxed and mailed the documents they asked for. They are now calling me at minimum 5 times a day saying I have to restart the program because I missed payments which i could not have I gave me info and authorized them to take the payments and they did. I dont feel its fair to me trying to get my loans back on track that they drop the ball and dont follow through on their part and now I have to restart the whole process. This seems very shady and I dont agree when I say Im at work I cant talk now they call and call I will loss my job and they dont care.
Complaint sub-issue: Problem getting my free annual report

I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT
Complaint sub-issue: Attempted to collect wrong amount

I am writing about the money which you are claiming on the above account. I can confirm that I am unable to pay the money which I owe in full. However, I can raise {$900.00} and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability. If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed. I can pay the amount I have offered within of receiving your written agreement of this offer with installment payments of {$10.00} a month until it is paid in full. Please give me details of how I can pay. I look forward to hearing from you. Yours faithfully, XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages.
Complaint sub-issue: Reporting company used your report improperly

All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like walmart and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.
Complaint sub-issue: Investigation took more than 30 days

This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.
Complaint sub-issue: Information belongs to someone else

I am not sure what happened to cause XXXX XXXX XXXX XXXX to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies Equifax, XXXX, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX XXXX ( XXXX ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Complaint sub-issue: Information belongs to someone else

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

Several on going problems with the PNC banl rather than put my health in any way at risk by formal or whatever type of complaints would rather speak with corporate pnc customer service than immediately over assume the situation that the bank stole my money or had fraudulent workers misrepresenting the bank which has resulted in thousands of dollars of potential unrecoverable or payable total loss financially and put mt health at risk when corporate may be able to fix once they look internally about bank representatives pretending to represent pnc and mislead me to gain account information and access which has been reported to pnc bank.
Complaint sub-issue: Reporting company used your report improperly

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, Equifax, XXXX XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Complaint sub-issue: Frequent or repeated calls

They not only have called my personal phone but have called me plenty of times at my job. They keep calling me bout once a week at my job. No matter I tell them not to contact me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( {$3100.00} collection ) and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Personal information incorrect

Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I got a voicemail on my home phone from someone representing the Department of Education stating I qualify for a better repayment plan. On XX/XX/XXXX I contacted the phone XXXX. I spoke to a woman who said there is a push from the department of education and lawmakers on the student debt crisis. She spoke very good English and I could hear other conversations in the background about student loans/rates etc. She said I was overpaying from XXXX and said by the end of the loan term after paying it off, i'd pay over XXXX almost double what my loan amount was originally. She told me I would only pay a total of XXXX. She said there will be a larger payment over the course of four months of {$260.00} and then it would drop to approx. {$80.00} pending final loan amount. At no point did she say there were fees or what that XXXX would be used for and towards. She also said I qualified for forgiveness of the loan after 10 years, which is not true because I don't work for a non profit or govt agency. XX/XX/XXXX is when another payment of XXXX is to come out. 

On XX/XX/XXXX, I received my first mailing. It said at the end of my term, it would be over {$80000.00} paid WAY more than XXXX and Far more than the XXXX. XXXX was not even XXXX according to my last statement. 

On XX/XX/XXXX, I received a courtesy call from XXXX asking me if I was aware someone was accessing my XXXX account and FAFSA information. My email had been changed to XXXX which is not correct. The auto debits were stopped all through XXXX. 

There was a lot of misleading information especially about the final payoff, if it's a government loan whether it's XXXX, XXXX or Fed loan directly everybody should have the same payoff amount. No fees should be accepted. 

at :XXXX XX/XX/XXXX, according the letter rec 'd on XX/XX/XXXX I can cancel within 10 business days of the dated letter XX/XX/XXXX. I went ahead and I canceled the loan consolidation process. I have also been in contact with XXXX to keep the loans with XXXX.
Complaint sub-issue: Information belongs to someone else

I've submitted FTC and Police Report to this Credit Reporting Agency ( EQUIFAX ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in XXXX  days pursuant to XXXX usc 1681c-2. 


I've asked EQUIFAX to please delete XXXX XXXX AND XXXX  XXXX XXXX XXXX from my consumer report which they have failed so.
Complaint sub-issue: Problem lowering your monthly payments

I hav tried to repay the student loan on numerous occasions. The beginning loan totaled {$45000.00}, now they are asking {$78000.00}. I don't have kind of money, I'm on a small budget, I'm a XXXX   XXXX XXXX  widow since XXXX with no benefits. My complaint is the amount of the increase, the problems with lenders & servicers &  how many times this loan have been sold. First it was XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, now XXXX. I was scammed, XX/XX/XXXX by XXXX XXXX, ID # XXXX, @ XXXX XXXX so he said. The amount then XXXX said was {$47000.00}. XXXX said if I paid 3 payments : on XX/XX/XXXX, {$290.00} @ # @ XXXX ; XX/XX/XXXX, XXXX- {$290.00}, @ # XXXX, then XX/XX/XXXX, {$290.00} @ # XXXX. The phones numbers was where I could call if I could not make the payment. XXXX XXXX said, " after you make these 3 payments the remainder of the loan would be forgiven. After calling and no response. On Friday, XX/XX/XXXX @ XXXX XXXX   I received a call from XXXX XXXX  XXXX ( XXXX ) XXXX XXXX, then XXXX @ XXXX XXXX, said '' if I complete a 5 month payment plan of {$86.00}, then they would set me up on a repayment plan. '' I paid it, & I heard nothing until I received a call from XXXX, ( XXXX ) acct # XXXXsaying my account had been sold to XXXX  ( again ) is what the message said. Then I received a call from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) @ XXXX for a reduce or forgiveness Program. The message said to call ( XXXX ) from XXXX XXXX @ XXXX, REF. # XXXX then another call from ( XXXX ) from XXXX, REF. # XXXX to get a certification form loan forgiveness. I've received calls, text and emails. I don't know who to trust & it is so confusing that no one have a record of the money I have already paid. I received a letter from XXXX dated XX/XX/XXXX, that the current principal student loan is {$60000.00}, acct # XXXX. I have called or answered calls, when I give my name and acct. #, then you ask for my SS #, If you call me you should already have the rest, because I don't know if it is another scam. 
I've had problems dealing with lenders/servicers, lowering my payments, promising a forgiveness, & scams. I received a letter dated XX/XX/XXXX for Notice of Data Breach from XXXX, that happened between XX/XX/XXXX and XX/XX/XXXX. I was also notified 3 years ago for Notice of Data Breach. I don't know who to trust, but XXXX. This is very stressful, because of all the misleading and untrustworthiness.
Complaint sub-issue: Investigation took more than 30 days

I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Complaint sub-issue: Account information incorrect

I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017.  This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. 
This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.
Complaint sub-issue: Personal information incorrect

On XX/XX/2022 I sent in a letter to XXXX, XXXX, and Equifax. To have my information verified it has been 30 days with no comply they are not obeying the law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.
Complaint sub-issue: Information belongs to someone else

I received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.
Complaint sub-issue: Problem during payment process

Discover Card XX/XX/XXXX & XX/XX/XXXX When attempting to make a greater than minimum payment on my account, Discover stated that if I paid greater than the minimum payment that my ENTIRE BALANCE would become due. 
I contacted Discover and have their reply that " We are not seeing this error. '' I have screen shots that prove this. I had previously contacted them ( prior to XX/XX/XXXX )  and this has not yet been resolved. 
I again today attempted to make a payment and received the same notification. 
This alarms me that they will ONLY accept a minimum payment and not allow me to pay off my account faster. 
Additionally, if a customer missed the statement that their entire balance is due they could face undue financial distress should Discover automatically withdraw the 'Balance Due '.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.