Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about my balance/terms

On XXXX/XXXX/2015 I filed a complaint with CFPB, Case # XXXX. Loan Science responded to this complaint and offered me a Loan Modification for my student loan. I accepted the Loan Modification and signed it and returned it to Loan Science on XXXX/XXXX/2015. In their response to my complaint, they stated that XXXX ( their Loan Servicer ) would have the Loan Modification processed within 10 business day. Well, it is now past 10 business days. XXXX processed only part of the Loan Modification. They reduced the interest rate to 0 %, they reduced my payments to {$410.00}, and set my payment plan up for 354 months ... BUT, they did not reduce my principal amount. Currently, on XXXX website it states that I owe $ XXXX still. I should only owe $ XXXX according to my loan modification. See attached documents. 
I called Loan Science to find out why this still is n't updated. They then did a conference call with XXXX to find out why it is n't updated. We had to talk to several different people and we were finally transferred to a Supervisor with XXXX who claimed that they did n't recieve the information from Loan Science to reduce the principal, only the information to set up the payment at {$410.00}, the reduced interest rate at 0 %, and the payment schedule of XXXX payments. And then XXXX mentioned something about taking the amount off after I paid for 30 years. I do n't think so, this needs to be updated now to reflect the information the loan modification states. 
Not only am I stuck paying for a predatory loan that I feel is n't fair but when they offer me some sort of relief, they still ca n't even get that updated properly. I am at my wits end. 
I spoke with XXXX very nice ladies today at Loan Science, XXXX named XXXX, and her supervisor XXXX XXXX who told me that she would have this resolved by Friday and that XXXX would have their website updated to reflect the reduced principal amount. Although she stated that this would be updated by Friday I still feel the need to file a complaint because I need to make sure I have record of this issue so that it 's not delayed any further. It seems I only have resolution when I complain on this website. I want to make sure the principal amount is reduced before I may my first {$410.00} payment due on XXXX XXXX, 2015 because I fear that if they do n't have the principal amount reduced, any payment that I make will get applied to the old principal amount and when XXXX finally gets around to updating to the reduced principal amount any payment I have made will get lost and then I will have an entirely new problem to deal with.
Complaint sub-issue: Information belongs to someone else

As a victim of identity theft, in XX/XX/XXXX, the Federal Trade Commission issued me a recovery plan to follow step-by-step. The plan directed me to send a copy to Equifax. After equifax received it, they deleted the item. 
This item that they deleted, had appeared in XX/XX/XXXX without any notification by equifax as required by the law. I sent them a protest letter that they failed to notify me. Equifax responded that they completed the investigation and they verified it belongs to me I obtained new identity theft report and sent it equifax. On XX/XX/XXXX equifax deleted the item. This item reappeared for 2nd time without any notification by equifax as required by the law.

Since then I sent 5 additional letters, begging, requesting, asking equifax to provide me the description of the procedures used to verify this item. In addition, the attached letters here show that the information regarding this account have been changed and equifax is reporting them with different value, such as date when was open, 1st delinquency, date of last payment etc. The date when was closed is missing and this makes the account incomplete. Equifax have been notified multiple times of these errors and they are aware of these errors. 

So far, equifax have not responded to my letters how did they verify this belongs to me, why they are keeping this account in my file, knowing the fact that it is incomplete, and why does this account is now reported with different values from what it used to be before.
Complaint sub-issue: Debt is not yours

i had a 2yr contract for sat.tv after 1yr they said they were raising the amount so i told them i was canceling. i was paid up at that time they were going to charge a penalty for canceling. they offered me 2 mo. free and then charged me any way so i canceled. iwas told i could'nt cancel i had a contract. if they can change my contract after 1yr why can't why can't i cancel
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Sent card you never applied for

received us bank reliacard which I never requested. 

Carb number XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Having problems with customer service

I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Complaint sub-issue: Company closed your account

I called today to get the status of my Simplicity Citi card and spoke with XXXX, who instead of answer questions she repeatedly put me on hold and ended up transfer the call to a account manager ( XXXX ) who after ID ME instead of helping me and answer my questions of why my account was closed. She preferred to argue with me and start talking over me and dominate the call. I asked XXXX to please to focus on the real purpose of my call but she fail to listen and continue argue then finally I kindly asked her to lower her voice but she declined! **** " Sr, i been here for more than seven years, i know what i do ", she said, i told her that longevity at the job as AM don't give her any reason to degrade or talk someone down in a disrespectful way - The customer service experience was horrible!!!! 

My issue - account closed In my opinion Citicard in instead of making the attempt to contact me and let me know the return payments. CITI proceed and closed my account because three payments were returned. 

Citi, was always eager to close my account, i never experience nothing like this before and usually, when a client don't make payments for 30/60/120 the creditor close the account for non-payment or when is fraud but not something like this. Earlier this year I experienced some financial difficulties with work and my checking account was comprised for some few weeks but the problem is fixed with my bank. Citi never bother investigate INSTEAD, close my account left me in a bad place with my credit and now i will not be able to renew my car lease because a close account will appear on my CR. 

I fell, like CITI violated my consumer rights and look only after their interest also, my credit was damage unfairly ( close account ) and i need CITI to rectify this error immediately as well lowering the interest on my Simplicity card so, i can pay this account sooner and not be in debt with the company. It fells like CITI make his own rules and don't even disclosed the term and conditions to consumers. they always said " we sent you the disclosure " This fells like a trap or induce consumers and just signed CC and not verbally disclosing to consumers about their real conditions. Nobody in CITI care or disclose any conditions or i got a booklet about it. Even if they send it to me now it's too late, The damage was already done to my credit and i need some answers as well with compensation by lowering the interest rate.
Complaint sub-issue: Public record information inaccurate

Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.
Complaint sub-issue: Problem with fees

I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did it.
Complaint sub-issue: Account status incorrect

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.
Complaint sub-issue: Attempted to collect wrong amount

A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX XXXX and XXXX- xxxxxxxxxxxx XXXX was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and also XX/XX/XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. Also, I received written notification that this item will be deleted because it violated my rights under the FCRA ( See ATTACHMENT ). Also, the following account ... XXXX XXXX XXXX XXXX is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) from the original creditor or Equifax. I did not get written notification of this fraudulent account. Please also do a fraud investigation for the following unauthorized inquiries : XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOLUTIONS-XXXX  XXXX, XXXX
Complaint sub-issue: Seized or attempted to seize your property

Early XXXX - late XXXX I called CSO financial to set up payments on my account. 
I was told I was unable to make any payments as they were suing me- and I had a pending judgement and had to wait to be served. 

Next month my ENTIRE bank account- leaving a balance of literally {$0.00} was garnished- which is also a joint account with my husband. 
Both bank accounts to be exact. 
Total taken was about {$2500.00}. 

I had other pending charges- and bills due and now face overdraft fees, NOR have money to even buy food or gas for my children. 

No notice of garnishment. No notice of judgement - wouldnt even accept Payments when I Tried. 

I believe they should have left some money in the account- how are people supposed to live?
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am having difficulty in being able to afford my student loan payments as well as have enough money to live.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX XXXX, Enhanced Recovery, and XXXX XXXX XXXXXXXX. The Account Opened is XXXX XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Enhanced Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$72.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

equifax has been reporting two collection account with XXXX XXXX XXXX XXXX XXXX & XXXX, which does not belong to me & equifax refuses to investigate these accounts that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

The start of the year I found out I was one of the lucky few who happen to have identity theft Clarity Services claimed to be part of a credit bureau and they werent now they are maliciously causing me stress to the point I was hospitalized for XXXX XXXX XXXX. Im more then welcome to share dates and times of that as well but it was around XXXX when they ran my credit without my knowledge that they were in fact not part of a bureau and ever since have been causing me XXXX XXXX with there crooked antics for not allowing me to gain access to a loan to help ease the financial burden of paying to have my credit repaired.
Complaint sub-issue: Their investigation did not fix an error on your report

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Complaint sub-issue: Debt was paid

Settled in full, company is reporting as open collection item
Complaint sub-issue: Information belongs to someone else

What didn't you removed the hard inquiry despite the letters issued by XXXX XXXX  dated XX/XX/XXXX and XX/XX/2019, to you to remove the hard inquiry?
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

I have never had or agreed to an acct ending XXXX showing on my credit report. All balances were paid to them on another account and this is in error. Unless they can show paperwork where I agreed to this then they need to remove the {$150.00} immediately. I have documentation if needed
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, 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 instructions.
Complaint sub-issue: Information belongs to someone else

I received an email saying XXXX company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.
Complaint sub-issue: Talked to a third-party about your debt

on XX/XX/21 at XXXX, I received a call from XXXX at Allied Financial. She admitted she was looking for a relative of mine in hopes of collecting a debt and had looked up my information. I have no business relationship or contract with this company and I am disturbed that a random stranger is looking up my personal, protected, private information without my consent. When I asked how she obtained my information, she refused to answer. I reached out to the family member they were looking for and he did not give them my information. When I called back and spoke to the supervisor XXXX XXXX, he stated theyre only allowed to use information provided and she shouldnt have looked up my personal information but he could not verify what else this individual looked up or accessed. I am now concerned that my SSN had been looked at as well as other personal protected information. This is illegal and harassing.
Complaint sub-issue: Attempted to collect wrong amount

I received a collection letter for a medical bill. When i went to pay online there were 3 options. E-check, credit card, or HSA. When I attempted to use the E-check option, it failed to process 3 times, and directed me to call customer service. To avoid long wait times on the phone, I ended up paying by credit card, which included a {$23.00} convinience fee for a {$390.00} bill. The transaction fee seems predatory because I don't know of a single credit card company that charges an almost 6 % transaction fee. Although, they gave the option to pay by bank account, it almost felt like the option was set up to fail so that people would default to paying by credit card, and paying the exorbitant fee.
Complaint sub-issue: Investigation took more than 30 days

I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements  and tax liens must contain minimum identifying information. they could not tell me how they verified the information.