Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of this XXXX account. This was not me. I have included a fraud report.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Reporting company used your report improperly

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Complaint sub-issue: Old information reappears or never goes away

My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} XXXX PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my XXXX plus loans from XXXX XXXX I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX XXXX  unconsolidate my loans, and XXXX approved to do so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Complaint sub-issue: Information belongs to someone else

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code XXXX civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!
Complaint sub-issue: Problem accessing account

I am not able to use Citibanks website. The website isn 't accessible. I have tried to use the website in the past, and I have called Citibank, and they make it out to be a computer glitch issue on my end. Apparently, my computer is the fault. Therefore, I have enlisted to use the Citibank app. The app, however, also has problems. Citibank changed their method for allowing their account holders to send and receive money. Now, we must do it by XXXX. Needless to say, I set up my XXXX account through the Citibank app, but I noticed a problem. The problem is that during the weekends or weeknights. If you try to send to your other bank accounts in the United States. The Citibank app will present an error. I will attach a copy of the .jpg I took from my XXXX to show you. It is a XXXX error that states : Access blocked. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention error code XXXX. XXXX. I've approached Citibank about this also. The issue was fixed, but here I am again on XX/XX/2022 trying to send money to my other bank account : XXXX. I paid two bills online through Citibank app before I decided to send the remaining balance to my other checking account with citizen. Why am I going through this? I have another bank account in checking with XXXX bank. XXXX bank holds mostly all of my funds. I don't need the hassle. Citibank is just a maintenance account that I have my checking and some savings, but my direct deposit goes from the State of Connecticut to Citibank. I can eliminate this issue by closing my Citibank account, and moving through the State of Connecticut Comptroller 's Office my direct deposit to Citizens bank in Connecticut. It is as if Citibank does not want my business. Oh Citibank wants you to take out a $ XXXX personal loan to help them, but this is a business relationship. Business relationships aren't one way, unless the other party is nave or stupid, and I am neither. 

Now, I have to call Citibank again asking them to do what they are selling you : a banking service. I have to take time out of my schedule to approach Citibank to do their job. If this isn't resolved, then I will visit Citibank in New York City with two forms of ID and a demanding them to close the account. Put my IRA in the name of XXXX Bank and in check form for transfer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from Credit Plus would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from Credit Plus is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 2017
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2018- XX/XX/2018 my student loans were in forbearance/grace during this period and late payments should not be on my credit report. ( Started school again that XXXX ) Some late payment statuses have been removed but not all. All loans during this time frame are from the same school year/loan period but are broken down to smaller increments. It's taking too long to remove these statuses and it's negatively affecting my credit. 

I've attached an example of were they already corrected some of the loan accounts. 
the same should be done with rest
Complaint sub-issue: Account information incorrect

equifax is not giving an update. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it.
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 Bureau stated my account ( XXXX XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX IC Systems added a collection account on my credit file for {$120.00} without any type of notification which violated 15 U.S. Code 1692g of the Federal Trade commission.

I filed bankruptcy in XXXX which this debt was discharged XXXX XXXX Case # XXXX Attorney is XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX As a condition of my employment, I can not have any derogatory information on my credit file after my discharged bankruptcy. 

This was an XXXX XXXX bill which I had no knowledge of still owing. I have contacted the company and was assured that the item would be removed by XX/XX/XXXX, this company has been known for not following FDCPA guidelines. I spoke with XXXX ID # XXXX. This has to be resolved immediately. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
U S DEPT OF EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

On or about XX/XX/2021 I was notified by BANK OF THE WEST that I was being charged {$70.00} for two overdrafts on my account. The amounts were XXXX CENTS and XXXX CENTS. I was charged {$35.00} for each transactions and neither was paid by BANK OF THE WEST. Both amounts were deposited and were suppose to be withdrawn for verification of my account for XXXX. This is a new account with BANK OF THE WEST and I was trying to link other accounts to the BANK OF THE WEST account, only to be charged {$70.00} for an overdraft of less {$1.00}. I was notified by XXXX that the transaction has gone through, but once I checked my account it appeared BANK OF THE WEST reversed that transaction in an attempt to charge the overdraft fee of {$70.00} for two withdrawals for less than {$1.00}.
Complaint sub-issue: Personal information incorrect

I attempted multiple times to remove a address from my credit report that do not belong to me. I tried to re investigate and dispute and this is what I got from experian : That reason can't be processed online. 
This Address was reported to XXXX by XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

The accounts in question is XXXX, XXXX XXXX  and XXXX. The address that do not belong to me is XXXX XXXX XXXX, XXXX ohio XXXX. I did not authorize these credit accounts and i have never lived at such address above. I just graduated from XXXX XXXX. All the inquiries are erroneous too. I do have a XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and a XXXX. Those cards I did apply for and received. 


The laws for re investigation through FCRA states : 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

The CRA 's are violating the laws and if this is not rectified I will be contacting legal representative.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is an account on my Equifax credit report. The account is closed, and paid off. Please remove this account from my credit report.
Complaint sub-issue: Debt was paid

XX/XX/2007 The Statement said {$1800.00} but when i call the Bay Area Credit Service they said i own {$3400.00}. when i call the Bay area credit service and told them they said its not been pay. i call XXXX XXXX XXXX the gentleman said he been working here for 2 years and don't know where to look for this account
Complaint sub-issue: Their investigation did not fix an error on your report

Debt is XX/XX/2014 {$13000.00} auto loan AutoTrakk the debt truly is between XXXX XXXX and auto trakk. Neither company communicated to one another about the debt. Leaving the debt continued late payments to leave me credit reputation and payment history damaged.
Complaint sub-issue: Their investigation did not fix an error on your report

I called Equifax and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there erroneous accounts on my credit report which are misleading to me. I sent a letter to Equifax and XXXX on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$9900.00} ; XXXXXXXX XXXX  Balance : {$9800.00}
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 REPORT. I NEVER RECEIVED ANY NOTIFICATION 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 DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Complaint sub-issue: Problem lowering your monthly payments

hello i need know loan student we not affrobale pay back ssa lose and job suspended my healthy issues XXXX  XXXX i was temp leave til struggle calm down please wavier loan and left wavier please
Complaint sub-issue: Public record information inaccurate

I have been recently informed that there is negative information reported by your company, Sears, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$970.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

One credit score is XXXX, the other XXXX. How could there be that wide a gap between same company?
Complaint sub-issue: Public record

On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my Equifax and XXXX credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that Equifax, and XXXX remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX, XXXX XXXX Thank you in advance for any support you can provide.