Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

In XX/XX/XXXX I received a notice indicating that i needed to recertify my income to continue on the PAYE program by XX/XX/XXXX. I submitted my documentation before the deadline and waited for FedLoan Servicing to process my application. I followed up because it seemed to me taking a long time for them to process. I was informed that it would be processed within the normal 3-4 week time period. I informed them that they needed to be sure they certified it timely because I could not afford my payments if they were not based on my income. On XX/XX/XXXX - a month after the deadline and well after I submitted it- they notified me that my application was incomplete because I did not check off the single borrower box. I reviewed the document that I submitted and confirmed that I did fill it in. I called to ask and they told me to just resubmit and fill it out again, so I did. They drug their feet again on processes the reapplication and I again emphasized that it should be processed quickly because I could n't afford the full loan payment amounts. They took even longer to review this. I called several times to see what the delay was and they said it took a while. Even in XX/XX/XXXX they still had not reviewed my resubmission of an application I previously submitted as complete. I had to call several times. In a XX/XX/XXXX phone call they told me that the application normally took 7-10 days to process, so I was unsure what the delay was. I called again on XX/XX/XXXX because it still was not reviewed. They FINALLY said they would run my application expedited. In the meantime, my payment was due at the full amount since they drug their feet so slowly and put me through the ringer on getting this application processed. I got an e-mail to pay at the full amount and called to see what was happening with my application. They informed me that that same day I got my bill I was approved, but that I would have to pay the full amount since it magically did not get approved until then.During this call, they said they I would have to pay the full amount ( almost triple what I owe on PAYE ) that month. They suggested that I forbear on the account, saying that many consumers like this when they are in PSLF because it makes their payments lower because the loan will be bigger compared to income. I said I would prefer to pay based on my income. Also, I asked told them that the forbearance was not good because it would tack my interest onto my principal. They never informed me of that, but I knew. I asked if I could get an exception since I did n't want to forebear, and I was in this situation because of their negligence. They said that treasury controls that and they would submit a request to them. It was radio silence and eventually I decided that since they were n't informing me about whether the exception would be granted, I would have to forbear because I could n't afford it. After I finally did this, almost a month after requesting the exception that they said normally took 9-10 days, they contacted me saying I was approved for an exception, but it was too late to reverse the forbearance.
Complaint sub-issue: Public record information inaccurate

XXXX remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads XXXX ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XXXX followed instructions and removed all information, see attachments
Complaint sub-issue: Debt was paid

A couple months back I noticed a collection on my credit report which I know was wrong. There was a XXXX collection being collected by Enhanced Recovery. I haven't had XXXX in years. On top of that, I paid them off and in full with a previous collection agency several years ago. There should be no reason why I should owe this money. 

In XXXX I sent dispute letters to the credit bureaus and Enhanced Recovery but I never received a response from any of these companies. I'm not asking for much. Please delete this account from my report since I already paid it years ago with a different collection agency.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I entered into credit counseling and Incharge debt began to manage all my credit card accounts including Citi. 

I noticed a 30 day late notice on my credit report for the month of XX/XX/2020, so I called CITI to have corrected. At this time I found out over the phone that CITI had turned off my automatic payments to the account before the payments began under my credit counseling agreemnet and they did so without informing me. 

I had previously enrolled in automatic payments with CITI due to past problems with their website and being able to make payments. Their site constantly had errors that prevented me from logging in to make payments, so I enrolled in autopay to avoid further issues. When they cancelled this without informing me, due to this and not receiving a bill, I was not given notice that there was a bill to paid. 

When I disputed the issue CITI did not fix or address the issue.
Complaint sub-issue: Received bad information about your loan

XX/XX/2021 {$10000.00} I paid the company in ONE payment. I paid off the total balance of my student loans to MyFedLoan Servicing Company. This payment was made during COVID. They refuse to refund me my payment and state that my loans have been transferred to another service but will not tell me who that servicer is. I desperately need these funds back from MyFedLoan Servicing.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

XXXX5 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem with customer service

We have requested a statement for the recently disbursed student loan from XXXX so so that we can refinance the loan at a lower rate. The agent stated that the loan does not have a payment due and an interim statement can not be printed. The agent advised that the grace period is 6 months and an official billing statement may not be provided before that time. XXXX XXXX requires an official statement to proceed with my refinance and the existing documentation XXXX will provide is not sufficient for their underwriting guidelines.
Complaint sub-issue: Account status incorrect

This account has a XXXX balance and was paid to Dept of Education via Federal Income Tax Return being garnished in  XX/XX/2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX
Complaint sub-issue: Don't agree with fees charged

I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.
Complaint sub-issue: Was not notified of investigation status or results

XXXX Exquifax, and XXXX has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.
Complaint sub-issue: Problem during payment process

The credit card company was authorized to draw more than 30.00 out of my checking account on automatic payments. This month the company drew on 30.00 and an extra 420. Without my authorization. 

Best Buy VISA Card/Citi Bank
Complaint sub-issue: Other problem getting your report or credit score

Company : Equifax Complaint : Equifax has refused me access to my account after verifying my identity on multiple occasions. I have mailed the required documents to the provided address and answered their questions via internet and phone. Even after following their steps they still refuse me access my account or credit report. I have tried for months now but, they will not contact me and I have tried everything possible. They are refusing to allow me control, access and legal privileges of obtaining and disputing info on my credit report.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX advised me that I have a new account opened under my name reported on XXXX at a company named MONEYLION. I try get in contact with MoneyLion Inc but I did not get a response. I never opened or even know about this company or this account was opened as fraudulent because my personal information was compromised by XX/XX/XXXX or XXXX XXXX  or someone open this account using my credit credentials. This company gives money without verify with the customer if is real or not. The amount is for {$1000.00}.
Complaint sub-issue: Account information incorrect

XXXX, XXXX, and Equifax is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020 I received a notification that a collections account was added to my credit report. However, I had not received any notification or documentation about the alleged account or debt. I was not given any opportunity to contact the company to verify or dispute the alleged debt The amount showing owed is {$15000.00}.
Complaint sub-issue: Information belongs to someone else

I NEVER HAD THESE FRAUDULENT ACCOUNT AND INQUIRIES FROM MY REPORT. PLEASE REMOVE AND BLOCK THEM IMMEDIATELY. 

THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Account information incorrect

Gap insurance paid off my loan vehicle still showing I owe the debt and its affecting my credit
Complaint sub-issue: Didn't receive notice of right to dispute

This is a violation of my Hipaa Law Right they recieve my Personal medical information and claim they work with the XXXX XXXX  attach is the letter along with the information they received from the XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I have purchase a US {$15000.00} CD with US bank which matured on XX/XX/2001 and its automatically renew at maturity. I totally forget about this CD until recently I found the contract. 

I presented the contract I have on hand to US bank XXXX XXXX XXXX in XXXX where I set up the CD. US bank claimed they can not find record that long ago. 

They referred me to escheament department and that department said they wont be able to find records beyond 7 years. By law if US bank deem its an abandoned property, it should be sent to unclaimed property XXXX. I have search all the unclaimed property in XXXX and XXXX where we have live during this period of time, all turn out negative. 

This CD is automatically renew at maturity, US bank should still be holding it. 
if the CD has been claimed, I would have to surrender the original contract, i would not be holding the original contract on hand.
Complaint sub-issue: Account information incorrect

Reporting inaccurate information on my credit report
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that XXXX prove to me how they " verified '' that the account with XXXX XXXX XXXX XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Complaint sub-issue: Information belongs to someone else

I HAVE TWO ACCOUNTS ON MY CREDIT THAT I HAVE SUBMITTED DELETION LETTERS TO EQUIFAX THIS DISPUTE STARTED BACK ON XXXX AND EVEN WITH ALL THE DOCUMENTATION ACCORDING TO THE GUIDELINES SET BY THE FCRA THESE ITEM STILL REMAIN IN DISPUTE ON MY EQUIFAX FILE ... EQUIFAX IS A COMPANY THAT OUTSOURCES AMERICANS PERSONAL CONSUMER CREDIT REPORTS TO A THIRD WORLD COMPANY SO YOU CAN NEVER GET A CORRECT ANSWER FROM EQUIFAX THEY HAVE A PRACTICE OF TRANSFERRING YOU AROUND OR PUTING YOUR CALLS ON HOLD ... THE FIRST ITEM THAT IS INCORRECT ONLY ON MY EQUIFAX CONSUMER REPORT IS XXXX ACCOUNT # XXXX THE SECOND ITEM IS. XXXX XXXX XXXX ACCOUNT # XXXX BOTH OF THESE ACCOUNTS I HAVE SUBMITTED ALL DOCUMENTS NECESSARY TO BLOCK AND REMOVE THESE ACCOUNTS BUT EQUIFAX CONTINUES TO JUST PUT MY ACCOUNT IN DISPUTE AFTER DISPUTE AFTER DISPUTE..
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX & XXXX XXXX Reported : XX/XX/XXXX{$6500.00} There is no contract, no valid claim ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Complaint sub-issue: Debt is not mine

I have sent them a written request to validate my debt and provide me proof of my signature. I waited over 30 days and still have not received any response. They are violating my rights by not providing me proof of my signature.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I certified mailed a XXXXXXXX XXXX Identity Theft report, with a clear legible copy of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me. They received it on XXXX XXXX. I called today and was told by XXXX agent that my social security card wasn't legible. I was transferred to a supervisor who then said it wasn't processed because I didn't include the dates of the inquiries on the FTC Identity Theft Affidavit. I said it didn't ask for the dates and there wasn't room for them. She then informed me that the inquiries I listed were not on my Equifax credit report. I asked well why then was my Identity Theft report not used to block the fraudulent accounts listed on it and the fraudulent names and addresses. She said the entire report couldn't be used because the inquiries didn't have a date attached, even though the inquiries were not on my Equifax report. I told her they are listed because they are on my XXXX and XXXX reports and I listed fraudulent info for all three agencies on the FTC Identity Theft Report. And she also said they are investigating each account and to resubmit legible, all the paperwork with dates for inquiries. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Called outside of 8am-9pm

Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''
Complaint sub-issue: Reporting company used your report improperly

I found out that Equifax allowed for my personal identification information to be stolen. I have tried to place an alert on my account but they say they are unable to do this.
Complaint sub-issue: Problem with personal statement of dispute

On XXXX of 2019 I opened an account with First Premiere, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting.This debt has been sold for collection and upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic.