Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was the sent a 50 page account of text and incoming/outgoing phone calls Made on the account. That said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor, no application For the account bearing my signature, no copy of the agreement between the original creditor authorizing XXXX XXXX  to collect on their behalf. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No prof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on XXXX  and Equifax. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXXXXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX XXXX XXXX  XXXX Account XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than to furnish a account without my written instructions n 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 the person known or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Need information about your loan balance or loan terms

Web site is inaccurate. Does not reflect principal payments once a payment has been made. I've talked with Support on the phone at least 3 times to correct the problem. 

On the web site it only shows the interest paid, but neglects to show the principal. 

For example, I make a payment of {$300.00} a month. About {$35.00} is interest, but the remaining {$260.00} does not show as payment to the principal. This has been occurring for at least 4 months since Discover Student loans took it over. Had no problems when it was managed by XXXX XXXX. 

I am very concerned that I am not getting my correct balance allocated towards my principal because of this ongoing error.
Complaint sub-issue: Trouble with how payments are handled

have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...
Complaint sub-issue: Information belongs to someone else

debt collection agency XXXX XXXX XXXX XXXX acquired my protected healthcare information, ( lab work performed, symptoms, diagnosis, treatment ) from XXXX XXXX XXXX XXXX   in XXXX. I never asked for my PHI to be shared with this fraudulent collection agency. I have filed numerous disputes and complaints. The fraudulent debt in question was removed from all 3 credit reports. Then 2 weeks later, Equifax allows this company to turn around and re-report this debt that I'm not liable for. I have filed HIPAA complaints against the hospital and would like to see this company get fined for their disgusting business practices. They have shared my PHI with all the credit bureaus and I am in the process of seeking legal counsel.
Complaint sub-issue: Trouble with how payments are being handled

I had went to pay my student loans today and when I looked at the statement I had noticed that my payment had doubled. I had expected an increase in payment as our income had become higher, but the amount is more than I can afford. I had reached out to Nelnet and they advised me that they could not lower my payment amount because my wife has a forbearance on her account, which is no longer true. I had tried several times to get this payment lower to an affordable amount and found nothing from Nelnet but a lack of honestly and professionalism. I have paid my bills on time and asked that they kept them below {$300.00}, and they would not assist me. This is after I had a conversation earlier this morning and was told that it would be {$280.00}. I believe that they are predatory and dishonest and would like to transfer to another servicer.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my final attempt to resolve the incomplete and unverifiable accounts on my consumer report before I pursue LITIGATION for DEFAMATION OF CHARACTER. My consumer report is an extension of my character and credit worthiness. Over the past several months I have sent numerous letters to EQUIFAX, XXXX, and XXXX regarding these inaccuracies. These corporations have not been in compliance with the laws of the FCRA. These corporations have not explained what procedures were used to confirm the validity of the accounts that I have previously disputed. I even submitted my FTC report, my identification card ( Drivers License ), personal statement, and I identified the accounts that were inaccurate to block the information resulting in identify theft. Which are the requirements of 15 USC 1681c-2. However, these corporations insisted I did not send in the proper documentation, which is false and misleading. These corporations are not complying with federal law. It appears that these corporations believe that their policies supersedes federal law. I'm demanding that every NEGATIVE ACCOUNT AND ALL INQURIES over 30 days are removed immediately. This not a request. These corporations are causing me harm from reporting false and inaccurate information on my consumer report. The next step will be litigation or damages sustain for DEFAMTION OF CHARACTER. I will not be attaching anymore documentation. I will save my documents for court if the deletions are not made.
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Account status incorrect

I have two derogatory marks on my Equifax report. The two marks are in collections. I have no knowledge of these two accounts and feel that they are inaccurate. One account has been on my credit since XXXX of 2014. The creditor of this account is XXXX XXXX XXXX and the amount is for {$210.00}. The other collections account that is affecting my Equifax report is XXXX XXXX XXXX XXXX. The amount of this collection is {$45.00}. This report is not to my knowledge and inaccurate.
Complaint sub-issue: Personal information

My credit reports has my address wrong. My address is XXXX ca XXXX
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Problem getting my free annual report

I would like to get my free annual credit report from Equifax , but can not get a copy of it. I have submitted a request via USPS mail, since requesting a credit report online from THIS credit reporting agency is IMPOSSIBLE TO DO!
Complaint sub-issue: Confusing or missing disclosures

I received a mailer in late XX/XX/XXXX sent by Citi Bank offering XXXX American Airline miles if meet three clear requirements : open a Citi Bank checking account, charge {$750.00} with a Citi Bank ATM, and make 2 payments using their electronic payment system. The offer required an application be made by XX/XX/XXXX. My personal reference number for the offer is XXXX. The fraud I believe is that unlike the 3 requirements noted above which are clearly note in the mailer, there also is a requirement to have a {$50000.00} balance some where in a Citi Bank account. This requirement, rather than being clearly disclosed, is in a long list of footnotes printed in tiny gray print which I believe is meant to deceive. Unless you give Citi Bank {$50000.00} in assets the offer is void. No where is this clearly disclosed. This in my opinion is a bogus offer meant to deceive you into opening a Citi Bank account since the {$50000.00} requirement is not clearly disclosed, and therefore the offered incentive will almost never be able to be claimed Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6 dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I have made between 11 and 12 years of payments on this loan. Yesterday, my cosigner was advised in that many years, less than {$1000.00} has come off of the principle of the loan. The loan was originally {$8000.00}. Yesterday, my cosigner was told I still owe them {$7400.00}. I feel like I am dealing with a loan shark. 
I don't even make {$40000.00} a year and give them what I can. I tried to get the cosigner removed and since I didn't make any payments the first year of the pandemic, and not being told that loan didn't qualify for no payments, they have marked my credit report in a negative way. I am happy to send a copy of the ledger of my payments. I will provide any identifying information you need to investigate this situation. 
This is holding up a mortgage loan for my cosigner. In fact, AES made him pay them {$150.00} yesterday! I have paid them over {$250.00} since XX/XX/XXXX because I borrowed money from my sister to be able to do so. Again, I make less than {$40000.00} per year, and my husband is XXXX and on Social Security. The way this is going, I will end up paying on an {$8000.00} loan longer than I will pay for my mortgage ( 15 years ). 

I have made the payments, and more than requested for a number of years. At the time when I could pay more money, I talked to someone at AES, on a recorded line, to ensure me that the extra money would go towards the principle. They agreed, yet evidently that was not the case. 

I also have federal student loans that I have not been able to pay on because I have been paying AES all these years. The interest rates on the student loans, most of which are from XXXX, I think I have around {$200000.00} of federal student loan debt that is at least 50 % interest. I am wondering if any of that will be included in the forgiveness/Navient settlement. I have received a XXXX 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  I actually make less income now than I did when receiving the degree in XXXX. 

I was not able to complete my Doctorate because the school told me I was out of loan opportunities since I was not a clinical student. I was at the point of my dissertation when advised I had no more loan money to complete the degree. that was after being advised that I should not have any financial issues with being able to complete the doctorate.
Complaint sub-issue: Public record information inaccurate

Hi there! 

I would like to file a dispute with the Equifax. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my Equifax credit report. Equifax responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, XXXX ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like XXXX. This leads me back to Equifax. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the Equifax informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( XXXX is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.
Complaint sub-issue: Received bad information about my loan

As I understand this issue, a student loan account was opened in 2004 for my continuance of education. During this time I had repeatedly tried to resolve the debt through settlement, however, CitiBank did not accept any terms and turned the matter over to a collection agency. The collection firm hired did not follow fair debt collection practices and was forced to remove the charge. CitiBank has now taken this matter a step further and not only have it showing on my credit as a closed/charge off account, but additionally a LATE payment since at some point they have assessed an {$8.00} charge to continue keeping this 10 year old debt matter active on my credit.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.
Complaint sub-issue: Overdrafts and overdraft fees

My account was overdrawn {$5.00} and I was charged a {$35.00} fee for everyday the account remained overdrawn. It isnt outlined clearly thats fees are assessed daily and fees being charged for having fees doesnt seem right.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. Thank you
Complaint sub-issue: Deposits and withdrawals

I opened a Citi Accelerate Savings account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external XXXX XXXX Account. On XX/XX/2019 XXXX notified me that an item had been returned. I subsequently called Citi Customer service and was told that the transfer was marked as potentially fraudulent and that Citi had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from Citi asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from XXXX indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my XXXX account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from XXXX indicating that an item had been returned and an email from Citi indicating the transfer could not be completed. Citi automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called XXXX customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a XXXX suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with XXXX and that I should call Citi to request they investigate the same. 

I called Citi Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in Citi 's system and possibly hadn't yet connected with XXXX ' system but could not tell me a date this would be resolved. 

I called Citi customer service on XX/XX/XXXX and was told the funds were not with Citi and to call XXXX. Citi offered to wait on the line with me while I called XXXX customer service, but eventually told me they could not continue to wait and hung up.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Problem cancelling or closing account

I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to XXXX XXXX XXXX! I contacted XXXX XXXX about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX  Police dept. XXXX XXXX  has requested several times to Equifax to remove the hard hits from my account, the hard hits are still there.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 there was a fraudulent wire for {$100000.00} going out for my account XXXX. I did not perform this wire and I need the bank to get back my money please.
Complaint sub-issue: Information belongs to someone else

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC Fraud affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX