Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

CFPB + Equifax + XXXX XXXX, On my XX/XX/XXXX Equifax credit report it says I have a 90 day late pay on XX/XX/XXXX as well as a 60 day on XX/XX/XXXX from this account below : - XXXX XXXX XXXX  xxxxxxxxxxxx XXXX Attached to this complaint I have a letter from XXXX XXXX dated XX/XX/XXXX that clearly says they have requested the removal of delinquencies previously reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The XX/XX/XXXX and XX/XX/XXXX as of XX/XX/XXXX has yet to be removed. 

Attached to this complaint are : - my drivers license - my address - my W2 to show social security number - my complaint letter - letter from XXXX  XXXX - screen shot where it shows on my Equifax credit report Please have this handled, as the letter from XXXX XXXX says, immediately as this false information is damaging my credit and my ability to obtain credit.
Complaint sub-issue: No notice of investigation status/result

I explained that revolving credit has a time frame. In return to my response, the reset date of all my debt was XX/XX/2013 versus a removal and an increase in my credit scores. XXXX XXXX XXXX : The final result was a verbal conversation with a customer rep from XXXX to inform them that all debt has to be erased on all revolving accounts due to being opened in XXXX. I have paid and it was not properly reported. The account is accruing interest, which is being reported, not the debt that was paid. Thus it requires removal from my credit report. Judgement : There is also a judgement listed as an installment account such as a car payment for an apartment with unfit living problems such as floor boards being uneven and imperfections in the carpeting. The XXXX XXXX XXXX had us sign a lease agreement for XXXX months to keep us locked in a higher rental rate to cover it 's XXXX quarter of the year. Thusly, I sent letters attesting the non legal nature of the lease under the Renter 's Rights. XXXX XXXX XXXX : The car with XXXX XXXX was bought under the XXXX law due to its previous accident being omitted from the XXXX reporting and battery not being replaced. I was not told it was a program or rental car by a previous company such as a rental agency. I discovered this due to the previous owners names recorded in the Blue Tooth Device. XXXX : The services were disconnected in XX/XX/2013 and I was still being billed. Advised the company to come and get the boxes, due to the status of my XXXX, I was not able to XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone tried to apply for credit with my social security number without my consent.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Their investigation did not fix an error on your report

After I sent Bureau letters last XX/XX/2022 incorrect accounts are still reported to my personal credit file. The 3 Bureaus Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified accounts without providing any proof required by law. The XXXX credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate & I never authorized for my credit to be accessed. Here are the list of accounts that needs attention in my file : XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Company closed your account

I received a letter in the mail on XX/XX/21 from my financial institution informing me that all my personal and business checking and savings accounts will be closed in 30 days. My husband went immediately to our local branch for an explanation, and got no answers. The branch manager there would only tell him that she didn't know why and that the decision was final. I then called the the 800 number and got the same. Extremely confused and frustrated I then requested a Consumer Disclosure Report from XXXX. There is absolutely nothing negative on either report. I'm at a loss as to what to do or how to find out why the decision was made to close our accounts.
Complaint sub-issue: Having problems with customer service

I was on the Income Based repayment plan for the past three years, but was denied this year since getting married, even though my husband makes less money than I do, but with combined income, they were able to deny me and placed me back in the standard repayment plan. This took my total payment from {$140.00} to {$430.00} for XXXX loans. I can not afford this payment as I also have private loans with XXXX. 
I have called for FOUR months to customer service and each time they put me in Forbearance and say that my next month 's payment will be corrected and around {$200.00} total as they are placing me on the extended graduated plan. Then each month, I get a bill for over {$400.00}. Each time I call, the rep says " oh I see where you called, but your plan was not updated ''. This has taken so much of my time trying to get this corrected and has been extremely frustrating, when I am actually trying to make the payments. I do n't want to keep being put on forbearance, I want to be in the correct plan. If I try to use their website, it wo n't let me do anything because it says I 'm in forbearance. On XXXX/XXXX/16, I tried to send an email, hoping that putting my complaint in writing would help, but I only received a generic response about logging on to their website. Please help as this level of service is unacceptable. Thank you.
Complaint sub-issue: Problem with customer service

I have been trying to apply for loan forgiveness programs since XX/XX/XXXX that I uploaded my first application. Uploaded second application in XX/XX/XXXX. On XX/XX/XXXX, I received a denial. I immediately uploaded the missing signature on XX/XX/XXXX and my paperwork was not reviewed but denied on XX/XX/XXXX. The October deadline is soon approaching. FedLoan has sold my loans to XXXX. I received documentation that XXXX should be servicing my loans by XX/XX/XXXX. They will not be servicing my loans until XX/XX/XXXX. I have tried calling FEDLOAN to see and get direction on what I am doing wrong, request a call back, they call me back and then transfer me to leave me on hold again sitting in que. It is IMPOSSIBLE to get someone to help me. 
I have been a XXXX for XXXX years, and have gone back to school several times during my career. How is it possible that I am going to be the only tenure XXXX that does not get assistance with loan forgiveness.
Complaint sub-issue: Debt is not yours

CitiCard/CitiBank : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I contacted Alpine Credit Inc. on XX/XX/XXXX I spoke to a representative in regards to a medical debt I owed. I asked the rep if they were willing to offer a settlement to pay two debts that were in their office. The rep said they were willing to give me a settlement offer to pay these two debts in full she gave me that dollar amount I told her that I would send them a check in that amount to have these two accounts paid in full. I then asked her once she received my payment could I get a paid in full invoice, she said that I needed to call back and that once the payment was received they would send me a paid in full invoice. 

I called back on XX/XX/XXXX to make sure they received my payment and get the paid in full invoice. The rep I spoke to told me that my accounts were not paid in full and that I owed additional money and that they would not be sending me an invoice that these accounts that were paid. I told her that I spoke to a rep on XX/XX/XXXX she told me a dollar amount to send that would pay these accounts in full. The rep then told me that I was must have misunderstood because the notes the other rep had put in computer showed that I was only receiving {$25.00} off my balance and that I needed to send them more money. I then asked the rep if I could speak to a supervisor because that is not what I was told, she told me she was the supervisor and that I still needed to send more money. I asked her if all the calls were recorded she said yes they were I asked her to review the recordings to clear this up. The rep said she would and would get back to me in a couple of days. 

I called back on the XX/XX/XXXX I was told the rep I have been working with was at lunch and to leave a voice mail, so I did asking her to call me back. I did n't get a call back from her so I called again on the XX/XX/XXXX left anther voice mail. Still after not getting a call back I called on Friday XX/XX/XXXX spoke to another rep she said that the rep I have been working with was reviewing my file and that I would receive a call back that day which was XX/XX/XXXX, I never received a call back.
Complaint sub-issue: Information is not mine

I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!!
Complaint sub-issue: Received bad information about your loan

Since XXXX of XXXX when FedLoan Servicing became my student loan servicer ( taking over from XXXX ), FedLoan has been the source of a range of problems. I have experienced poor customer service, getting conflicting information about my loans & what I believe to be an inaccurate payment count towards my Public Service Loan Forgiveness. I have contacted FedLoan by telephone numerous times throughout the past three years only to be told that a report has been made & corrections towards the payment count would be applied, however this has never happened. FedLoan has not counted most of my payments towards PSLF for the three years while I was in an income-based repayment plan during my residency training ( XXXX ). Furthermore after graduating residency training in XXXX, I have been at the same job to this present time that I have verified numerous times through documentation with FedLoan, and payments towards PSLF during this time are missing/have not been applied. I also believe that some of my payments though the XXXX XXXX XXXX XXXX have been allocated in ways that tie me to the higher interest rate portion of my loans. These problems have lead to significant distress & confusion for me, leaving me with no other option but to contact the Consumer Financial Protection Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

REF : XXXX. Equifax is continuing to violate their grave responsibilities under the Fair Credit Reporting Act and are damaging my reputation in the process. In the above referenced complaint, they stated that the inquiries which I will attach, were a matter of FACTUAL record and they will stay on my credit file for 2 years because it is their policy. However, the LAW doesn't permit them to house any inquiries on my file. The LAW doesn't agree with their policy. In fact, Federal Law states that without direct consent from the consumer, they are not to disclose any information nor report information.

Since they state that the inquiries are a matter of factual record, I am demanding the description of their investigation procedures pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ). Provide me with the names, addresses, and exact information provided by the people who helped you determine that these inquiries are a matter of factual record and you are required to provide this information within 15 days, so if you fail to do so, further action will take place.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed fraudulent accounts on my report in XXXX of 2022 and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, Equifax, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, Equifax later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Complaint sub-issue: Information belongs to someone else

I have many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children
Complaint sub-issue: Can't decrease my monthly payments

I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. 
Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. 
I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. 

Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.
Complaint sub-issue: Account information incorrect

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, XXXX, and Equifax ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Complaint sub-issue: Information belongs to someone else

In late XXXX to early XXXX, XXXX, my XXXX  account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with Upgrade Inc. After I obtained access back to my XXXX  account, I placed a fraud alert. I was not notified of the Upgrade credit card account until mid XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted Upgrade. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from Upgrade Inc regarding this fraudulent account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

previously deleted item was reinserted without notifying me within five ( 5 ) days of re-inserting a previously deleted item.

Credit Bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

The Account was not mine and the result of identity theft Bureau is refusing to block it even after I filed again a new FTC Report Number : XXXX, under identity theft victim.
Complaint sub-issue: Billing dispute for services

The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
Complaint sub-issue: Account information incorrect

The information being reported is incorrect : XXXXXXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}
Complaint sub-issue: Account information incorrect

have held a XXXX VISA card for many years with a {$50000.00} credit limit. Two weeks ago, I applied to XXXX to increase that limit to {$100000.00} and provided them with current income figures which are more than enough to justify the increase. However, Equifax obviously did no research into my financial situation but merely said " ... the outstanding debt on your credit accounts is too high ... ''. In fact, the ONLY credit account I have is the same XXXX  card I was applying to increase. I have a net worth of over $ XXXX, have never had one overdue bill and absolutely no debt whatsoever other than that XXXX VISA card. 
As a result of Equifax 's shoddy work, I expect that my credit rating will suffer. As a result of their actions, I have applied for another credit card with a {$100000.00} limit and am convinced that, if I am refused that limit on this new card as well, it will be as a direct result of the Equifax report.
Complaint sub-issue: Information belongs to someone else

this report is to let you know about the situation I have with my credit file some one took al my documents from my car and open fraudulent accounts.
Complaint sub-issue: Problem with customer service

My student loan was transferred to MOHELA after being serviced by another company for years. I had submitted my annual XXXX  verification form right before I was transferred to this company and I wanted to know if it had actually been received in the transfer. It was urgent that I got this confirmed because of the limited waiver for XXXX which was expiring at the end of XXXX. During the span of a few weeks I tried unsuccessfully to contact MOHELA multiple ways, by submitting a form on their site, by emailing directly and by calling. The first XXXX times i called i waited on hold for over XXXX hours only to have the call dropped without ever speaking to someone. I was finally able to speak to someone after waiting for XXXX hours. And then the representative told me that the forms i had submitted months before were never received. By this point, this was days before the limited waiver was expiring and I rushed to get my employer to fill out the form a second time. I found out weeks later when my account was finally updated online that the representative i had spoken with was wrong, the first form was received, and my stress over this had been for nothing. I have still never received any reply to the written communication I sent.