Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

I am requesting that the late payments get removed from my account from XX/XX/XXXX-XX/XX/XXXX. I have struggled with financial instability for over a year which has caused me to struggle financially to afford basic needs such as food and shelter. Within that time frame I lost my job and have a death in my immediate family. That caused me to be homeless within that timeframe as well. I have XXXX children with no support and I am trying to get my finances under control. Im currently in the income driven plan for my loans however I struggle to pay that payment. Moving forward I will assure that on time monthly payments are a prior if I can get my payments a little lower that I can afford. If not I will make an on time payment for what I can afford.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a complaint to Equifax in reference to XXXX XXXX  not reporting information correctly on my credit report. 

Prior to the current complaint, I contacted Equifax via mail about the inaccuracies on my credit report, however, I did not receive a response. I requested that Equifax, verify the account and perform an investigation per the FCRA. 

On XX/XX/XXXX Equifax completed their investigation and verified that the account is accurate and being reported correctly. HOWEVER, upon looking over my credit report, it is very clear that the investigation that was performed was not done so in a through manner. There are Discrepancies between my Equifax and my XXXX reports. The late payment dates are inaccurate. 

These findings indicate that a through investigation was not conducted. I would like to view the detailed information regarding the steps and procedures on how this investigation was initiated.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XX/XX/2022 : A payment of {$300.00} was made. 
XX/XX/2022 : A payment of {$290.00} was made XX/XX/2022 : A payment of XXXX was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : No payment was made ( Paid previous month ) XX/XX/2022 : A payment of {$530.00} was made Above are the payments made to the private loan service : Sallie Mae My problem is that my loan keeps going up each month and there has been NO LETTERS, NO EMAILS, NO PHONE CALLS About this change, I've called the company multiple times ; Begging them to work with me and enroll me in reduced payments. 
There answer was simple : I have " exhausted '' all of my options and the only option I have now is to pay everything in full. 
This is absolutely killing me financially, mentally and emotionally. 
This loan has caused so many set backs and issues that it has started to effect my life in the worst way possible. 
PLEASE HELP ME
Complaint sub-issue: Was not notified of investigation status or results

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

some XXXX use my in formation to get a phone with XXXX it was not me .and now they are calling me at my home and work place
Complaint sub-issue: Their investigation did not fix an error on your report

After many attempts to resolve this issue, XXXX and XXXX continues to report the following items : Equifax : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) XXXX : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : 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. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Complaint sub-issue: Funds not handled or disbursed as instructed

When the IRS sent KeyBank corp my stimulus payment, KeyBank instructed myself and others that any IRS stimulus payments would not be posted until XXXX on XX/XX/XXXX. KeyBank did not post my ACH stimulus deposit on XX/XX/XXXX, despite the IRS sending it to them. KeyBank can not give their customers proper answers as to when their stimulus checks will post, despite telling myself and multiple other customers that they would post on XX/XX/XXXX at XXXX XXXX. Furthermore, the IRS indicates that my payment was sent to Keybank and KeyBank has refused to post that deposit, but they have been posting numerous debits that are also dated XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. 
I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Credit inquiries on your report that you don't recognize

hard inquiry on credit report fraud
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Debt is not yours

I have constantly contacted Equifax with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$200.00} XXXX with Consumer Affairs Office advised I would need to contact the police department and FTC regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, XXXX XXXX XXXX have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX  XXXX  now XXXX XXXX XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

I took out a 5-Year CD for {$250000.00} on XX/XX/XXXX with E-Loan ( now XXXX XXXX ) XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I was able to get online and see my account for three months then they locked me out. I called a number of times trying to get back into my account and got no help. On XX/XX/XXXX I was told that the new name was Popular Direct and that my account had been closed in XX/XX/XXXX and that they could not tell me where my money was or who had closed my account. I tried the email address I was given and it says " FRAUD ALERT ''. They have also changed their telephone number. I did receive my Tax form XXXX for year XX/XX/XXXX but not for years XX/XX/XXXX or XX/XX/XXXX. I have several screen shots where I set up my account. I am XXXX years old and this is my retirement money and I am getting very nervous.
Complaint sub-issue: Debt is not mine

Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Called before 8am or after 9pm

Conn 's has repeatedly called before XXXX  & after XXXX. They did so again today, XX/XX/2020 at XXXX. I've asked them repeatedly to stop, but they don't.
Complaint sub-issue: Attempted to collect wrong amount

I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
Complaint sub-issue: Debt was discharged in bankruptcy

I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Information belongs to someone else

This is my THIRD time disputing the following accounts : -AFNI, INC. # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Complaint sub-issue: Investigation took more than 30 days

I disputed various incorrect collection accounts on my Equifax report on XX/XX/XXXX via United States Postal Service Certified mail with tracking. My dispute confirmation number is # XXXX. As per my USPS certified mail tracking receipt ( attached ) Equifax received my correspondence on XX/XX/XXXX. Their investigation was completed on XX/XX/XXXX, which is more than the 30 days allotted per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30- day time period, you must delete all of the disputed accounts from the report.