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

My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from CARMAX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called CARMAX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. 

There are several wrong name associations on my reports.
Complaint sub-issue: Can't close your account

I had a citibank checking and savings account number compromised recently and {$7000.00} was stolen from the accounts. The money was recovered in a few weeks however, I was advised to reopen the accounts with a new account numbers - I did this. 

Once I received the new account number, I called to close the old accounts. This was a XX/XX/19. A few weeks later I received a statement showing the accounts were still open, I then again contacted citibank via chat, asked why the account was still open. I did not get an answer but they offered to close the accounts. Today, I found out that account is still open and accruing fees.
Complaint sub-issue: Reporting company used your report improperly

Please not this complaint is not duplicate, it's due to new evidence. I'm not using any third party for this matter. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2022, stating '' They do not report any bankruptcies to anybody ''. So, if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the XXXX5 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX  XXXX The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. Please note : ONLY EQUIFAX HAS REPORTED THIS ACCOUNT - RECORD ON MY REPORT.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3100.00} and XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Can't decrease my monthly payments

I graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Attempted to collect wrong amount

I recently had a zero % debt with HCS. They sold it to Ally bank. When I received the statement, no where on the statement does it show the balance due of {$3300.00}. It says that I owe {$4200.00} including the interest if I don't pay the account in full by the end of the promotion date. I have called them and they said it is online or I can call in. In small writing it says I am in a promotion. If I was to die, my spouse would only be aware of needing to send them a check for the full amount, not the amount that I really owe. I am computer savvy, but for other people, this could be a major issue in report what is really owed. I can send a copy of my statement if needed.
Complaint sub-issue: Deposits and withdrawals

XX/XX/21, {$10000.00} was taken out my account without authorization. pnc is the company .discriminated against me.
Complaint sub-issue: Can't close your account

Hello! 

I have actively closed my CitiBank AA credit card more than 5 different times. I have been told, more than 5 times that the account has been closed. The first time I closed the card, the payed the entire amount and the balance was XXXX. YET - despite the account being closed, citibank allowed a XXXX subscription of {$4.00} to get billed ( they should have declined the bill ) and I continue to get statements for this card. The XXXX dollars was removed about a month ago after I was on the phone for over an hr an 4th time expressing my frustration and being affirmed that the account was closed and it was a mistake. Now- A month later, I got a bill for {$0.00} yet an available credit of XXXX **because the account is closed. 

Like I said- I have called 4 separate times and each time been told the account is XXXX and that the account is closed. Clearly - this is not the case. For the record, it is enraging and unethical that before I can speak to a live person, Citibank drops my calls at least 2 times and each call with them takes over 1.5 hours. 

Basically, the issue is that CitiBank lies to me every month that my account is closed, and continues to keep it open with just a few cents or a couple dollars that should never have been put on the card in the first place because the charges occurred AFTER the account was closed.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In the amount of XXXX To Whom It May Concern, In reference to the above-listed account, I am requesting that your company delete the derogatory account due to violations of the Fair Credit Reporting Act ( " FCRA '' ), the Health Insurance Portability and Accountability Act ( " HIPAA '' ), et seq. See. Reference Above WHAT YOU NEED TO KNOW The Privacy Rule generally requires that medical information that is used by a medical provider or its business associate should be limited to the minimum amount necessary for the purpose of the use or disclosure. 
My private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This unauthorized dissemination of private health care information has been, and continues to be of great detriment to my welfare, and is a violation of the HIPAA privacy rules.

The HIPAA-covered entity ( health care provider ) and/or its business associate and/or collection agency did NOT provide me a HIPPA release that releases my personal health care information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights There is NO balance due on this account. 
5.

6. 
There is NO permitted business purpose under the HIPAA privacy rules.

The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the XXXX, SEC. XXXX ( XXXX ) BREACH OF SECURITY. -The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX  of XXXX ( HITCH Act  ) as issued XX/XX/XXXX. 
10. Additionally your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section XXXX of the XXXX XXXX ).
Complaint sub-issue: Trouble with how payments are handled

By XX/XX/XXXX, I had XXXX student loans that amounted to {$30000.00}. XXXX serviced the loan. I was a single mother and was n't gainfully employed but made {$50.00} payments in the loans. The interest rates in Pell grant 3 %, Perkins 5 %, stafford 5-8 %, supplemental student loan 12 %, and the interest rates continued to accumulate regardless of hardship or in school deferments. My loans accumulated interest for a total of $ XXXX in XX/XX/XXXX. I had been working with several agencies to try and get loan forgiveness or interest reduction. I consolidated the loan and made payments but the interest continued. I got a XXXX degree in XX/XX/XXXX and an XXXX in XX/XX/XXXX, which I paid for out of pocket and w employer reimbursement. 
I made payments at a reduced rate bc payments were {$900.00}. 
In XX/XX/XXXX, the management of the loans went from direct student loans to mygreatlakes.org. The manner this was managed was n't transparent and the agency is out to make money. In fact in the past year I received an email saying in the transition of the loan there was an error and they needed to add {$240.00} to my balance. how is that possible? Then, they added {$5.00} in my monthly payment and changed my due date without informing me and created NSF charges in my checking account. When I contacted them they seemed not to think it was a problem. When I make additional payments or try to pay to principal only they say they ca n't do that. They are n't applying payments consistently sometimes literally they apply most of the payment to interest only. This is wrong! It is like a loan shark situation. 
I completed the public service forgiveness app which has to be filed through your loan service agency and I met all the requirements having worked in non profit for nearly 6 years. But it took place before XX/XX/XXXX, and therefore I was disqualified. I should be contributing to my retirement instead of this. 
Help! 
I have confronted their questionable accounting etc but the government handed these loans over to this agency w a poor customer service reputation and they are living up to that reputation from my experience.
Complaint sub-issue: Was not notified of investigation status or results

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Complaint sub-issue: Account information incorrect

My credit card recently saw its credit limit raised from {$500.00} to {$2500.00}. The credit card bureaus show that I have an outstanding balance ( {$190.00} ) too high for my old lower limit ( they like it to stay under 1/3 ), causing a temporary hit on my credit score. I tried to fill out a " dispute '' to alter my credit limit but failed after trying maybe 5 times. Please help! 

So, Equifax and XXXX  These agencies are self-appointed masters of our economic lives and I'd like to know by what right they even exist ( but that is another issue ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
Complaint sub-issue: Information belongs to someone else

There are two accounts on my Equifax credit report that do not belong to me. I have previously disputed these accounts directly with Equifax however they were not removed. I was told by Equifax to contact the creditor directly to continue my dispute. I contacted both creditors who have agreed to remove the accounts from my credit report as they were not opened by me. The first account is ARMED FORCES BANK opened on XX/XX/XXXX and the second account is XXXX XXXX XXXX opened on XX/XX/XXXX. This new information is required to reopen the dispute into these two accounts. The new information is that both creditors have agreed to remove the accounts from my credit file.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit report, and saw an account for General Revenue Corp for XXXX XXXX University in the amount of {$6000.00}. At the time the account became delinquent and I had to drop out of, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX Equifax on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with Equifax. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am currently in negotiations with XXXX XXXX who owns the loan that AES is servicing. I have also told the company ( AES ) numerous times to send all communications through my attorney in writing along with his contact information. They continue to email me with attempts to collect the debt and report negative information on my credit report. They are jeopardizing these negotiations between the owner of the debt, myself, and my attorney.