Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

1. There is a late payment showing for XX/XX/XXXX, I was in forbearance. 2. XXXX representative provided incorrect email address repeated it twice, forms were sent to that address. XX/XX/XXXX, another representative called and provided correct email address and conflicting information causing forms to have to be re-sent and updated. 3. I was struggling with payment amount in XXXX, told that I was 75 days late And that they did not report late payments until 90 days, misled about them wanting to prevent negative reporting to the credit bureaus and that I would be placed into natural disaster forebearance as I live in wildfire territory. This forebearance was supposed to cover XXXX XXXX XXXX. They in return reported the late payments and later acknowledged that I was in natural disaster forebearance until XX/XX/XXXX. There is email proof and representative XXXX and supervisor XXXX on XX/XX/XXXX and nd representative XXXX and supervisor XXXX on XX/XX/XXXX. 4. There is a late payment listed for XX/XX/XXXX, at which time I was also in a natural distaster forebearance, as supported by email and acknowledgment by representative XXXX in conversation on XX/XX/XXXX and representative XXXX and supervisor XXXX on XX/XX/XXXX. 5. They are reporting to XXXX that I pay XXXX per month which is negatively impacting my debt to income ratio. 6. I have been struggling with repayment and was never notified about any forgiveness programs until XXXX, at which time i would been more than eligible for the public service forgiveness program as I have been work g in XXXX XXXX for 8 years. 7. They never offered to consolidate loans until XXXX. 8. They sent me a letter on XX/XX/XXXX starting that they didnt have to investigate my dispute and that no updates were made to the accounts yet they did, as they changed the date that loans were first reported from XX/XX/XXXX to XX/XX/XXXX. They did this with ill intent, to purposely negatively impact my credit score, and to stop me from disputing the accounts. I have 8 accounts, so 56 late payments although the loans are now consolidated, are killing my score. 9. When logging into my account on XX/XX/XXXX, my balance shows XXXX, yet they are reporting 120,000 plus to all credit bureaus which is having a negative impact as well.
Complaint sub-issue: Deposits and withdrawals

Citi bank closed my checking and saving account without any notification or communication, with a reason that I transferred funds from my wife 's bank account to the Citi saving account. Citi claimed that this was a " fraud '' and the system automatically closed my accounts. I contacted Citi 's customer service and fraud department numerous times, they were to provide any explanation why this was a fraud and unable to provide any help to resolve the issue. Citi 's action has resulted in the inaccessibility of a significant fund and losses in interests.
Complaint sub-issue: Information belongs to someone else

I contacted Americollect over a week ago about a debt that popped up on my credit. I was told it was medical bills for my daughter. I explained to them that I was not aware of the debt and was not given the proper letter of notification to offer a dispute. I explained to the rep that I am not the responsible party for this debt it is her mother per the court order. The rep advised she will get this closed out on her end and have the credit updated accordingly. 

I called back in today and spoke with a rep who gave me totally contradicting information. I requested a member of the management team. A supervisor by the name of XXXX took the call. XXXX was not engaged in the conversation and was not trying to understand my concern. She was more focused on my attorney than my concern that I called in to discuss. I asked to speak to her manager she placed me on hold and then hung up. 

The negligence and reckless reporting by this company has negatively impacted my credit. If they do not fix this voluntarily I will not hesitate with legal action against Americollect.
Complaint sub-issue: Account information incorrect

I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to XXXX and XXXX is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and XXXX needs to do the same.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem accessing account

Someone opened an online savings account in my name with my address and social security number with Discover Bank. I need protection.Please advise
Complaint sub-issue: Information belongs to someone else

I Notice some Fraudulent inquires on my credit report that I did not Authorize please remove it immediately
Complaint sub-issue: Transaction was not authorized

3 checks were stolen from our mail box in XX/XX/XXXX then washed and cashed. 2 of 3 the checks were cashed by XXXX XXXX on XX/XX/XXXX.. The 3rd check I had a stop placed on it. The recipients names were changed to cash and the amounts were significantly altered ; # XXXX for {$240.00} to {$2200.00} and # XXXX {$290.00} to {$2200.00}. The payee 's called several weeks later complaining they had not received their checks. I called the bank to see if the had cleared and they had not. I rewrote them new checks and mailed them out ; thinking i must have accidentally thrown them into the trash. I received my statement on XX/XX/XXXX and found the checks had been altered and cashed. I immediately went to the XXXX Key Bank Branch where i explained the problem to XXXX XXXX, relationship manager. He helped me complete the Key Bank Fraud Affidavit. Then I proceeded to the XXXX County Sheriffs office and filed a Case #. Since then i have been unable to get any money refunded. Neither Key Bank nor XXXX XXXX Fraud Depts. will discuss this with me. XXXX XXXX says i 'm not their customer and Key Bank says the branch in XXXX should follow up on your behalf. The XXXX Branch says its out of their hands that it is a XXXX XXXX issue.
Complaint sub-issue: Problem getting a working replacement card

Got accepted for Citi AAdvantage XXXX XXXX. 
Citi will not activate card or close card or send letter in a speed fast enough to catch my location on 100 % travel.
Complaint sub-issue: Their investigation did not fix an error on your report

I request you provide me with proof of this alleged payment being late. if unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ) Please provide detailed description of all procedures used in your process to determine complete accuracy of information once you have finished your investigation, send me an update credit report to the address above
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Hello, I just received a notice in the mail from US Bank that someone or entity tried to applied for a credit line under my private information. I'm really upset about this and this is not the first attempt. Lucky for me the thief was not able to get the credit line because it was not approved accordingly. I would like this to also be removed from my credit cord, being that I am doing my best to fix it. US Bank XXXX needs to do better by protecting people information to prevent these theft from happening. Please le t me know if there is any additional information needed to address this issue head on. Thank you for your time and assistance with this very delicate matter.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.
Complaint sub-issue: Debt was result of identity theft

I don't owe anything to I C SYSTEM with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXXXXXX XXXX  since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Complaint sub-issue: Information belongs to someone else

The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : 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 XXXXXXXX XXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a paper statement from Best Buy, XXXX for a credit card that I never applied for. The amount is for {$2900.00} on XX/XX/2022. I already called XXXX and notified them, called Citibank, closed the account, and filed a police report.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The problem I am having with Equifax is not allowing me to dispute online or even getting my annul free credit report they lays climate the information does not match I want to cues my info online and dispute my info via dispute.equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my ( EQUIFAX ) credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 1.XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XX/XX/XXXX 3XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX, XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX   XX/XX/XXXX XX/XX/XXXX inquiry to determine who requested this credit inquiry.
Complaint sub-issue: Banking errors

I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted PNC and XXXXXXXX XXXX  both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ).
Complaint sub-issue: Didn't receive services that were advertised

I read news accounts of the Equifax breach of security and was concerned. In the news reports from XXXX and XXXX a link was given for consumers to check and see if their data had been compromised. I was taken aback when I saw it asked for 6 social security digits and last name so I tried to dig around and make sure as best I could that it was legitimate. I went to the Equifax site and saw the same address and layout and decided to try it.
XXXX XXXX XXXXXXXX I was not given any information about whether I had been compromised but was asked to return on or after XX/XX/XXXX to enroll in their ID protection service. I then saw earlier today a report that the site being used may also be unsecured and I became worried XXXX XXXX XXXXXXXX I tried to call Equifax directly and was directed to use their number for this specific 'incident ' which turns out is just a call center where employees do n't know any information at all other than if a person received a letter in XXXX they were affected and if not they were n't. But according to news stories today Equifax is not contacting all the people who have had their data compromised so they only way to find out is to sign away my rights to sue. Also if the check site is problematic or not secure, just by checking I may have exposed myself. I read reports from the XXXX XXXX this afternoon that by even just doing the initial check, whether I sign up or not, I may have given up my rights to sue Equifax. There was no button or any acknowledgment of these terms in the initial inquiry ad I have not signed up for the service. I am concerned they wo n't honor the terms of 'free service ' or will charge me immediately at the end of the year and be difficult to get out of the contract. After I poked around the website I did see a terms of service link, but no where did I have to acknowledge that I had read theses terms and agreed. So I do n't know what my rights are. I am a XXXX employee and I ca n't afford to keep a lawyer on retainer, which was the call center 's suggestion, and I am worried about more than the financial aspect as people have been arrested and jailed for crimes committed by someone else using a stolen identity. I do n't know what to do.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan have had my rights violated by EQUIFAX. EQUIFAX have recorded information on my file without my written consent violating 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681n ( a ) ( 1 ), EQUIFAX are civilly liable to me. I have made them aware of this as evidenced by CFPB complaint number XXXX. On XXXX I received an updated file stating that all six accounts in question would remain on my file, now making them willfully noncompliant pursuant to 15 USC 1681n ( a ) ( 2 ). Their reasoning for this was that all accounts were verified by the creditors, which can not be true as I am the original creditor as defined by 15 USC 1602. EQUIFAX, after being made aware of their transgressions are now civilly liable to for me damages in the amount of {$1000.00} per instance of violation pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). I am demanding that EQUIFAX delete all accounts in question from my file and compensate me for all damages to which they are civilly liable to me.
Complaint sub-issue: Problem getting report or credit score

i got letter from XXXX that my information get exposed and to avoid identity theft they offer 1 year in Equifax silver membership for free at the same week i tried to apply for mortgage and get refused i ask why they told Equifax score XXXX and i have unpaid medical bill for XXXX $ this amount for XXXX they will take from the my lawyer after the faulty guy pay and no body contacted me that i have to pay it now they so i try to dispute my report they block my identity they said for me rong info and i have to send passport driver licence social security as fax i faxed from my layer office they did n't answer i call back they told me i have to make membership so i give them the activation code provided from XXXX they said it is not working and i have to pay for a full membership to see what is going on and be able to solve it i paid they unblock me and give me XXXX is my credit score at them XXXX XXXX at the XXXX other bureau so i ask why my bank say that my score at equifax XXXX the agent answer how if you see your score is XXXX in front of you and all the info was yes mine so i believed equifax this was XXXX/XXXX/2016 till XXXX/XXXX/2016 i went to buy a car and i decided to buy it with loan so they run my credit and my wife credit after hardly 1 hour only XXXX accepted to lend me because Equifax credit score is XXXX with high rate because i have this law score and XXXX uncollected medical payment in Equifax only the XXXX other bureau my credit is good i call them again they said that my score is went down to XXXX from XXXX because of the car loan in XXXX/XXXX/2016 i said that they give the lender XXXX as my score they said no impossible i said i have the paper from my lender show XXXX your score and the XXXX other are normal they make from other planet that i have to keep my membership running to watch my score blablabla that i have to pay again every month and no silver membership or activation code accepted it is XXXX and miss use of my info to fraud the american consumers and all the phone calls are answered in other country how our info is exposed in other country call centers it is a social security and all the USA vital info in the hand of other country and even not government just a call centers XXXX how???? the same country we get every year a fraud and the law enforcement ca n't do any thing for this gangs because they are out of rich so please stop give this equifax and any similar company dealing with vital info on foreigner soils. and I'am sure I'am not the only or XXXX of few cases it is XXXX they are complaining and XXXX impacted from the Equifax please for the security of our nation investigate this company seriously and escalated before the no tern back time thanks
Complaint sub-issue: Was not notified of investigation status or results

I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Complaint sub-issue: Problem lowering your monthly payments

At the beginning of XX/XX/2022, my student loan payment jumped from a consistent {$540.00} to {$840.00}. I called and asked why this happened and they said at first it was just the interest and that paying this much would benefit me. They had no programs that would offer holding this amount and no programs for me to refinance the montly payment loan. From there the increase went to {$870.00}, then {$890.00}, {$900.00}, {$940.00}, {$960.00}, and up every month and now my next monthly bill is at {$1000.00}. I have called to ask and plead multiply times why this loan continues to increase and Im always told because of the variable interest rate. Ive asked what my options are because that is almoat my full check and they said, You can make late payments anytime. Ive called and offered {$6500.00} up front to pay off my smallest loan ( the money I saved to purchase an apartment ) as a desperate attempt to decrease my monthly payment and I was denied due to the fact that it needed to be the exact {$7200.00}. Not anything less. The woman said sorry, youll have to make the payments. Ive called multiple times for assistance and each time Im given a number to call. Ive waited on the phone for hours ( one call I was on hold for 53 minutes ) to be told there are no programs to help me that are available and nothing can be done for me. I have paid thousands of dollars to Sallie Mae and i can not get any type of assistance even when offering up front thousands of dollars.