Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't decrease my monthly payments

I recently applied to discover student loans hardship program. In three separate occasions I have received an email back on informing me they could approve my l application because it was missing documentation. As I am unemployed I have to submit proof of eligibilty for unemployment. I have stated over the phone to various Customer Service reps at Discover that I do not collect unemployment as I am not eligible for it. I spent close to 45 mins on the phone with a member of the hardship program today, XXXX XXXX, telling them the same thing. What am I suppose to do now committed fraud to give them what they want. My cosigner has graciously agreed to pay them during the hardship period. They refuse to accept a signed letter from both her and myself stating such, but yet have asked her to submit the last three months of pay stubs and her most recent XXXX. From my understanding this hardship program will reduce the payments significantly over a 12 month period but they are making it difficult for those who need the program to get into it. My loan is set to be charged off at the end of this month. I have repeatedly told discover I can not afford to pay XXXX a month and need a lower payment. I get the strong feeling they are trying to push me towards a charge off and a possible lawsuit. I am not refusing to pay them I can not pay them XXXX. Rather than try to find alternatives that make sense, the Customer Service rep was going to transfer back to the charge off department, for them to harang me by telling me, I have pay XXXX by the end of the month if not my account is going to charge off. If I do n't have XXXX where am I going to get XXXX from. This hardship program would have saved me but I can not get into because they seem to think I am lying when I say I AM NOT ELIGIBLE FOR UNEMPLOYMENT. I can not keep waiting three months to come up with one payment. This has got to stop. How many ways can you say I can not afford this payment.
Complaint sub-issue: Deposits and withdrawals

I deposited a check on a weekend and received a confirmation email. This is my first time depositing a check in this account and using mobile deposit. The following business day, Monday, I could not access or see my checking account. Tuesday I received an email stating that my account has been locked. The number I was given to correct the issue was the wrong number. I was put on hold and transferred several times and hung up on. Finally I was transferred to I.T and was told I had to link my debit and credit card account to view, even though I didnt have to do that before and did not want to link accounts. Once my accounts were linked I found out that my money would be released to me in increments even though I had more than triple the amount of the check in my account.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, inquiries or addresses on file. Please remove them.
Complaint sub-issue: Reporting company used your report improperly

I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, Equifax, XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a credit report ( see attached document ) from Equifax on XX/XX/XXXX XXXX # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These XXXX accounts had been included in a bankruptcy which was successfully discharged in XX/XX/XXXX and these two XX/XX/XXXX accounts were scheduled to be deleted from all of my credit reports ( Equifax, XX/XX/XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called Equifax on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from Equifax, the Equifax customer assistant told me that XXXX account XXXX was deleted but that XXXX account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. Equifax told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - Equifax dispute # XXXX. 

If you see my past history of disputes, you can note that XXXX has done everything that it can to keep incorrect credit history on my credit reports. XXXX is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all XXXX  accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Complaint sub-issue: Information belongs to someone else

Equifax credit bureau has been reporting 1 fraud account and 1 inaccurate account both derogatory on my credit report. I have sent numerous documents through the mail and online through fax and on the phone for hours. I have been told to bad figure it out myself as they report false inaccurate information that has had my score crazy low for years.. I have over 20 hard inquires all of 17 that are unknown by me. I asked several times for them to validate properly and explain now when i call in i get hung up on and do not get a call back. This information that is not correct has impaired my ability to get a car, loans, credit which is needed in everyday life by a single father of XXXX kids. I was part of the data breach as well and i truly believe this is my whole issue. This company could care less about the consumer that is for sure. I pay them to monitor my report as well which obviously needs to end now. XXXX  and XXXX found all the same accounts and hard inquires to be identity theft and fraud and has taken serious action on removing all and my scores are on the rise. Equifax needs to be audited on there practices sertiously p [ lease help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX has violated my rights.

15 U.S.C 1681 Sec. 602 A. States : I have the right to privacy. 

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I contacted I.C System regarding a letter they sent regarding a bill from XXXX. They said they had not reported the bill to the credit unions, which I had verified prior to calling. They said they were not reporting the bill to the credit unions. We came to a payment agreement. I paid agreed. They reported to the credit union, making it look like the bill had n't been paid in 2 years, which was not true. I paid as soon as XXXX verified the breakdown of the bill was accurate and that I had received credits that I was due. 

I.C System maliciously caused my credit rating to drop. I.C. System reported after it had processed payment. Prior to our making payment arrangements they indicated they had no reason to report a debt paid as agreed.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Complaint sub-issue: Information belongs to someone else

I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE
Complaint sub-issue: Sued you without properly notifying you of lawsuit

In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.
Complaint sub-issue: Problem getting your free annual credit report

Immediately after the disclosure of the Equifax breach, my husband and I placed a freeze and alert on our accounts. We were able to learn that my husband 's data was probably hacked. We then attempted to access our credit reports with Equifax online. My husband was able to access his. But after many unsuccessful attempts to obtain mine, I sent a written request, by certified mail, to Equifax to send my credit report to my mailing address. 

Today, XXXX/XXXX/XXXX, I called Equifax at the phone number provided on their website for customer service, to provide help to " customers with additional questions. '' My inquiry was to learn the status of my credit report and to request a copy of my credit file. ( In a form letter to my husband, Equifax distinguishes between credit report and credit file. ) An Equifax customer service supervisor stated that his department 's only job was to process credit freezes. They are not truly " customer service '' and have no phone numbers for customer service or any other department in the company. And there was absolutely no way for them to access my account or help me in any way. 

Not only did this company lack effective data security protections, but they continue to operate inefficiently and ineffectively. I am very concerned that my data has also been breached and I have absolutely no way of investigating. This company is so irresponsible that they should be shut down. Do they even have a license that can be revoked? 

Is there such a thing as a credit file, separate and distinct from a credit report? I am not sure that I can trust any information imparted by Equifax!
Complaint sub-issue: Account status incorrect

I utilize a credit monitoring service. On XXXX I discovered my Equifax rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.
Complaint sub-issue: Personal information incorrect

I have filed a dispute with Equifax Inc concerning fraud on my credit report and incorrect personal information. Equifax staff members refuse to remove the inaccurate personal information after i have called/sent letters. I believe that Equifax Inc is more interested in reporting inaccurate personal information than helping the consumer by deleting the inaccuracies. My correct and mailing address is XXXX XXXX XXXX XXXX XXXX Mo XXXX and my only social security number DOES NOT end in XXXX
Complaint sub-issue: Funds not received from closed account

I have tried calling multiple times. I get put on hold, then told that account is closed which is something I know because citi closed my account without an prior warning. The rep then hangs up the phone on me. This has happened to me with 5-6 different reps
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : 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 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: Their investigation did not fix an error on your report

I filed a dispute to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.
Complaint sub-issue: Debt was paid

XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I had multiple issues resolving this with Citi. I resorted to finally opening a complaint, XXXX, with the Consumer Financial Protection Bureau ( CFPB ), this website. 

On XX/XX/XXXX the CFPB closed my complaint XXXX providing information that Citi would credit the account. Citi provided information on XX/XX/XXXX that Citi would credit the account for the full amount of the fraudulent charge. This would be the second time for Citi to 'credit ' the account. The account was credited once before, then reversed back to having a balance. 

The day after it was indicated a credit would be applied, XX/XX/XXXX, I received an email from Citi indicating a balance remained on the Citi account. When I checked on-line the balance is the fraudulent charge minus an {$0.00} credit and that payment is due. 

At this point in time, XX/XX/XXXX, I have both Citi and the CFPB, indicating the complaint closed and the issue is resolved. However, I have an e-mail today indicating it is not resolved, and when I check Citi online, the balance remains. I would like to think this is just a delay in the credit, but I have no tangible evidence. As Citi reversed this once before, and there is a balance showing online for the fraudulent change from XX/XX/XXXX, my assumption is the issue is not resolved and the credit has been reversed again. As such I am opening a second complaint.
Complaint sub-issue: Account information incorrect

In eith er  XX/XX/XXXX  or  XX/XX/XXXX  I appl ied for a credit card wit h    XXXX   XXXX   / XXXX /  XXXX   A ccount #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I w as made aware by    XXXX   XXXX  / XXXX  that my account was past due {$130.00}. These charges were for a {$75.00}  annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represen tative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Althou gh   XXXX   XXXX  / XXXX /  XXXX    updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment o n my credit for     XX/XX/XXXX   . I tri ed calling them again and even contacting the  XXXX  credit bureaus  (  XXXX   XXXX  ,  Equifax, and  XXXX   ) but, the late   payment is still there! How can this company report a   XXXX   day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!
Complaint sub-issue: Information belongs to someone else

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. 
XXXX XXXX ( DUPLICATE ENTRY ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022, {$2000.00} was stolen from my USBank checking account in a series of six transactions using XXXX Instant Transfer. I filed a fraud claim with USBank, but my bank failed to investigate properly and denied the claim. An appeal was subsequently denied as well after an equally ineffectual investigation. Multiple conversations with the bank during the course of these investigations clearly identified the fraud, but I was never able to get the actual investigator to call me, email me, or communicate with me in any way. This seems to me to be a very poor investigation method- to never talk with the affected party. 

This checking account had never been used previously for XXXX transfers in the 10+ years it had been in existence, and therefore these transactions were completely inconsistent with how this account had been used. Unfortunately, the account had been infiltrated by bad actors via a phishing message which is why they had our credentials and were able to steal our money. 

A police report has been filed and we have taken the extraordinary steps of closing all our bank accounts and creating new ones with new numbers and credentials. As anyone who has done this before can attest, this is a lengthy and difficult process which only further adds credibility to the fact that these transactions were indeed fraudulent. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX  I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX 's has been removed from my XXXX  credit file but the results from my dispute with XXXX  and Equifax have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Complaint sub-issue: Information belongs to someone else

I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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: Information is not mine

I submitted a letter to Equifax stating that the inquiries on my credit report were not authorized, and I asked the Equifax to provide me verification that I gave permission to the companies listed on my credit report to pull my credit. Equifax mailed me a letter stating that the items will remain on my account for 2 years without providing verification that the I gave permission to the companies listed on my credit report to pull my credit. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX