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

Incorrect count for qualifying payments for XXXX. My account reached an arbitrary amount of interest accumulated that caused XXXX to divide my loan into separate loans and their system reset my payment count to XXXX. I put a request in over a year ago for an accurate count and it still shows XXXX qualifying payments.
Complaint sub-issue: Old information reappears or never goes away

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
Complaint sub-issue: Need information about your loan balance or loan terms

Have tried several times to contact Firstmark Services regarding my private student loan that is currently in repayment. I've asked several times why my interest rate continues to rise and even asked for an origination statement. However, I can not get an actual agreement from Firstmark Services from when my loan originated. They send me the latest statement only. They say my interest rate is variable which has caused my payments to increase drastically. However, I have never had my monthly payment increase in the past. It has only increased over the last 6 months. I never asked for my student loan to be transferred from XXXX XXXX to Firstmark. And I find it absolutely ridiculous that I can't even get information on the original loan I agreed to.
Complaint sub-issue: Their investigation did not fix an error on your report

DEAR XXXX, EQUIFAX, XXXX ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS..

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

1 ) XXXX XXXX  # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX XXXX  XXXX XXXX 4 ) XXXX  XXXX  # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX  # XXXX 9 ) XXXX  # XXXX 10 ) XXXX  # XXXX 11 ) XXXX  # XXXX**** XXXX ) XXXX  XXXX # XXXX 13 ) XXXX  # XXXX 14 ) XXXX  lXXXX  # XXXX**** XXXX ) XXXX # XXXX 16 ) XXXX # XXXX 17 ) XXXX XXXX XXXX # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ss # XXXX dl # XXXX phone # XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

lexisnexis won't let me get my credit report the code they sent me in the mail to access it online does not work and shows a error screen and i can't get my report it does not work
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX Harassing, oppressive, or abusive conduct. 
" Per the CFPB, " If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. '' Person/party who stands to gain monetary : XXXX XXXX XXXX Person/party responsible through whom actions were/are initiated/directed : XXXX XXXX XXXX FL Bar # XXXX of XXXX XXXX XXXX, XXXX, XXXX Service Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Cell XXXX XXXX XXXX No Text Messages Fax : XXXX For more than 3 years, as materially documented with the CFPB, XXXX XXXX XXXX has himself impersonated a bank XXXX XXXX XXXX has also DIRECTED more than 30 other individuals ( public servants and non public servants ) to take part in his impersonation of a bank, as an injured party to who it has been stated by the " actors and actresses '' that the bank is an injured party, in the amount of approximately {$140000.00}, and that I, a consumer, am responsible for that injury. 

I, the consumer, have contacted the bank of interest named by XXXX XXXX, US Bank National Association, multiple times, most recently 10 times directly, since XX/XX/2022, OFFERING TO DISCUSS and agree to PAY the bank any amount that XXXX XXXX has stated to me in writing that the bank is owed. 

US Bank National Association has failed to respond to me zero times over the past three years. 
US Bank National does not respond to me to collaborate ANYTHING XXXX XXXX XXXX has sent me and has directed over 30 other people to send me ( all have been using the United States Postal Service System ). 
I can submit all tangile proof, pictures, copies of all material documentation, they have sent to me by USPS mail soliciting, intimidating and threatening actions against me to pay to XXXX XXXX andcthe law firm he represents. 

XXXX XXXX XXXX has been impersonating XXXX BANK XXXX by using the XXXX system to seduce, oppress, threaten and harass me into paying him monies.
Complaint sub-issue: Trouble with how payments are handled

XX/XX/XXXX, Great Lakes told me that my student loan payment was jumping up from {$270.00} a month to {$560.00} a month because I made a few thousand dollars more than the year before. That would be the payment under income-based repayment. I called and asked why my payment was almost doubled considering I only made a little more than the year before, and no one could give me a good answer. I asked if there were other options, and they said that I could pay {$5.00} to apply for the PAYE program. While this was going on, I had also hand-written a XXXX-page letter explaining that I could not afford a $ XXXX monthly payment, asking for a reconsideration of this amount. I faxed them this letter and mailed it to them. When I called again to check on the status of my application, I was told that I was not eligible for the PAYE program. I asked why I was made to pay a {$5.00} application fee if I was never eligible. I did n't get a good answer but was told that I could apply for the REPAYE program to get my monthly payment down. To make a long story short, I keep getting emails and letters that my income-based application is in process and that my $ XXXX monthly payments will begin on XX/XX/XXXX. I have called them probably a dozen times by this point to ask again and again for the status of my REPAYE application, and I keep getting the run-around. Every time, it 's a different story -- '' We need a paycheck stub. The application is still in process ( after several weeks ). Your payment will be {$560.00} a month. '' I have given them all of the information they need to make a decision on my REPAYE application, and yet it always seems to be in process. I even asked to speak to a manager last time who said she would make a note to rush my REPAYE application, only to get another email from them about my income-based repayment. I 'm tired of constantly calling them and getting the run-around. I feel like I am being pushed to make a payment I can not afford -- a payment which has no justification based on my income -- or pushed into forbearance where my interest will continue to compound and accrue. I am trying to pay off my student loan in earnest. I need a straight answer from them with regards to my REPAYE application. I need a lower monthly payment than {$560.00}. I 'm not sure where that number comes from. Can CFPB help, please?
Complaint sub-issue: No notice of investigation status/result

I have disputed several times with Equifax and no actual investigation has taken place due to the followingXXXX XXXX # XXXX - Outdated, past the statute of limitations, inaccurate and disputing with creditorXXXX Mtg # XXXX - Outdated and inaccurate past the statute of limitationsFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an errorFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an error
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Mechanics Bank XXXX XXXX has been furnishing inaccurate information to my consumer reports for years. I am convinced Mechanics is not going to follow the laws in which they are governed by. I have disputed the account multiple time and requested reinvestigations as it is my right pursuant to 15 USC 1681i. I have emailed called, emailed, and written Mechanics Bank XXXX XXXX about this erroneous claim. When I requested validation of this account, Mechanics sent me an installment contract with an alleged signature and a VIN number that was actually different than the VIN on other paperwork provided by Mechanics. This is alleging there are two different vehicles in one account. How could I be liable for this alleged debt when Mechanics hasn't even thoroughly examined their own documents? I as the consumer and natural person demand that this be removed from my consumer report. This is a bogus claim. Mechanics Bank XXXX XXXX 's reporting of this inaccurate information is damaging to my character. This must be removed.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX XXXX XXXX   XXXX {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX $ XXXX XXXX {$3500.00}
Complaint sub-issue: Information belongs to someone else

ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Equifax requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Personal information incorrect

Wrong address on credit report. I have never lived in XXXX XXXX, KY.
Complaint sub-issue: Didn't receive services that were advertised

I was one of the millions of people whose identity may have been compromised by the Equifax breach. As a result, I was given free credit protection through XXXX XXXX, a division of Equifax. Today, I received a text from them asking me to contact them immediately regarding " activity needing my attention ''. They gave their web address and a phone number. I first went to the web and they are having problems with the site and appreciate my patience. I then called the phone number provided and got a busy signal on three attempts. When I finally got through, I was left on hold for 15 minutes and then disconnected. 

This " free '' service that Equifax provided is worth exactly what I paid for it ... ..nothing! They need to offer consumers whose data was compromised a credit monitoring service that works, like XXXX and pay for each consumer 's membership.
Complaint sub-issue: Frequent or repeated calls

This phone calls for closed credit card account. Explained to the person credit card account is more than 10 years old and this account is closed about 2 yeas ago.
Complaint sub-issue: Information is not mine

this is not mine # XXXX please remove from my report all XXXX
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX  first created a problem when I always kept the bank afloat one day took a numberous authorized other wise termed nonauthorized at the time, withdrawal, but that tipped them to unliking sometimes, talking me, out of removal of disputable fees, and I suppose that one, thing is a causation, but then I look at Unemployment payment that made the positive last time account on XX/XX/XXXX and what happened while I would have had the money, it was a waiver I signed not to repay them the {$500.00} aproximate amount, and yes XXXX did take that moment the moneyback, and nothing else, but then in negative {$150.00} dollars with refunds coming, and deposits as they call it coming through seemingly, I said please, and they lied and they said wait the phone you can not be jusitifed by name or phone number anymore, so I said you won't tell me the account is closed, you closed the savings account in XX/XX/XXXX without permission, and now because I asked about the last fee waiver, they just closed up, and said I am not identified by anything, and will not but allow me to log in and nothing is on the screen, and I think it's abusive, that in the smallest overdraft which isn't my fault, and they questioned me because the deposit was missing of all of a sudden, then, I am a victim of this report by bank, and no one will give me a straight anger free answer, and I am looking for {$5000.00} compensation if for all fees, and they don't then want to justify how I am to love for the rest of the time, without a checking account, and I am XXXX  so that means also citizen, and I feel this is a direct discriminational effort, and I want the state to know about that, and I wrote the President because as XXXX and usual at another position, I don't know how to say us it is well, for the bank system, please thou help,
Complaint sub-issue: Information belongs to someone else

XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM 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 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax showed a hard inquiry from XXXX. That I didn't recognize or authorize, I filed a dispute and Equifax ruled that it was legit and it would stay on my credit report ( the other credit reporting agencies never showed such an inquiry ) when I called the number given on the dispute response, I was informed I didn't have to give anyone permission to make a hard inquiry, and all someone needed was to have my soc sec #, BUT .... it could be more favorable if I were to purchase an upgrade to my equifax for like {$20.00} ( I can't remember the exact amount ) I was extremely upset to realize that you could BUY better credit reports, the lady recognized my being upset and suggested I put a freeze on my account, then I wouldn't have to worry about it if I didn't want to upgrade, so I did. Just yesterday in order to apply for a local credit I had to lift the freeze only to find that they have a {$28000.00} account that has been paid off for 3 months still in active status causing an adverse decision for credit when XXXX have shown me for excellent credit.. when I went to dispute it equifax said dispute site is down, REALLY? It's not the adverse decision that has ne worried, its the power equifax has over my credit and insists that I pay for upgrade to get normal treatment, how is it that this is allowed? Another part of our constitution XXXX XXXX  XXXX!
Complaint sub-issue: Public record information inaccurate

I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.
Complaint sub-issue: Information belongs to someone else

I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.
Complaint sub-issue: Debt was discharged in bankruptcy

I have been notified that Great Lakes Borrower has been abusing my payment loan plan, by charging me more than they should.
Complaint sub-issue: Can't temporarily delay making payments

I was let go from work on XX/XX/22 which affected my ability to make any payments moving forward due to delays with XXXX XXXX and stress finding a new job. I called Sallie Mae twice in early XXXX before my next due date ( XX/XX/22 ) with my co-signer to try requesting forbearance as my co-signer who is my mother, lost her brother and had to cover funeral and medical costs for him. I explained this to Sallie Mae and asked to speak with a supervisor and they finally said you do qualify for a program. Upon being transferred, I was then informed that I would still need to make payments to bring the account up-to-date in order to enroll in the program. I explained again that I am not working and not receiving ANY income and they refused to help me. I would have to make a payment of {$460.00} in order to move forward. I was able to accrue this amount despite not working and co-signer also facing financial difficulties and they still said they could not fulfill my forbearance request because Im not in school or an intern and that I would still be required to make some form of payment regardless. This also happened last year and during the pandemic where they were unwilling to help with my request to temporarily stop payments due to financial circumstances.
Complaint sub-issue: Information belongs to someone else

I've been disputing my Equifax for a year now with proof of ftc and police reports. They won't fix my credit score or take off derogatory accounts They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX   -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries are not mine but XXXX XXXX XXXX and XXXX XXXX XXXX my XXXX truck payment they have 3 late payment 's when there are 0.
Complaint sub-issue: Information belongs to someone else

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

Sometime in XXXX of XXXX  I went to the hospital and current hospital bill but I have Medicare policy number to XXXX XXXX XXXX  XXXX and I have North Carolina Medicaid policy number XXXX. What's really foolish about this is they rather send it to collection then accept my Medicaid and Medicare every time I try to talk on the phone and tell them I have Medicaid and Medicare they act like they don't even want to accept that and they want a credit card. I have Medicaid and Medicare and I had coverage back there in XXXX of last year I don't understand how come I'm in collection. Rather send the account to collection then accept my insurance. I don't know who's running this hospital or who's running this collection agency but I keep telling them what my insurance policy is and and they won't accept it.
Complaint sub-issue: Problem with fees

Payments recieved by Citibank on XX/XX/2018 and proof was provided to Citibank per their request the card was paid {$150.00} on the above date They have failed to resolve this as promised removed temporarily payment For this and are charging late fees and interest like a domino effect We have closed the account and Filed a dispute with the bank that provided the payment to Citibank. This is Pending
Complaint sub-issue: Information belongs to someone else

Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.