Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May  Concern : This letter is in response to your recent claim that XXXX XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX  new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Complaint sub-issue: Received bad information about your loan

I am writing this complaint over concerns that FedLoan Servicing has inadequately managed my student loans. I have had an account with this servicer since XX/XX/XXXX when two Direct Consolidated ( one Subsidized & one Unsubsidized ) Loans were dispersed. 

I have been making on time monthly payments to my lender in hopes of qualifying for Public Service Loan Forgiveness ( PSLF ). This program allows those working for non-profit organizations to receive complete loan forgiveness after 120 monthly payments under a qualifying income-based repayment plan. As a way to track progress, I am obligated to submit employment certification forms to FedLoan which confirms my eligibility and shows my time remaining in the program. Previously, I had received a letter directly from FedLoan Servicing indicating thetotal PSLF qualifying payments I made from XX/XX/XXXX until XX/XX/XXXX, in which it concluded was 32 qualifying payments. Ihave attached the supporting documentation. I have continued to make on time payments and submit employment verification since XX/XX/XXXX, but sometime between XX/XX/XXXX and XX/XX/XXXX FedLoan re-dispersedmy two Direct ( Subsidized and Unsubsidized ) Consolidated loans and created 3 new Direct Consolidated loan amounts ( now 1 Subsidized and 2 Unsubsidized ). In doing so they essentially reset my PSLF qualifying payment counts back to zero starting the Fall of XXXX. I am left with no clear indication that they will honor the previous qualifying loan payments. 

I have contacted FedLoan numerous times to rectify the counts and have received inconsistent explanations each time. On XX/XX/XXXX, I requested for a formal review to be made of my account and that the total number of qualifying payments be recalculated and updated. At that time I was told that my original 2 consolidated Direct loans were split into 3 new loans due to the amount of interest my loans were generating, but that all of my prior payments would still be credited despite the changes. I then this week called to follow up and was told that there is a pending review because FedLoan is waiting for documentation from my " prior loan servicer ''. They claim that FedLoanhas only been my loan servicersince XX/XX/XXXX, which is incorrect since they have been the servicer since XXXX. This to me indicates that they have lost all prior documentation of my on time, qualifying loan payments to FedLoan and I am concerned that all of my prior qualifying payments will not be counted.The total PSLF qualifying payment count should be approximately 51 payments from XX/XX/XXXX until XX/XX/XXXX ( the date of my most recent employment verification.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Complaint sub-issue: Debt is not yours

I became aware of a collection debt via XXXX XXXX XXXX XXXX from Procollect Inc for {$300.00} from XXXX XXXX XXXX. Debt sent to collections that was not mine. Identity Stolen and reported on XX/XX/21. Person had applied for multiple apartment leases in the area.
Complaint sub-issue: Reporting company used your report improperly

over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction
Complaint sub-issue: Debt is not yours

Three Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you all know that each credit bureau is being sued as we speak for their dishonest practices, reporting that they verified, when they never followed UCC 1 308 Concerning the protocol and protection the clients information. Allowing these corporations to break the law and siding with them under false pretenses. 
Now, I expect you to read and act accordingly concerning failure to neglect these companies breaking laws. While you allow the credit agencies to report these fraudulent accounts that all have been doing illegal practices, inaccurate reporting, each bureau provides different information, bringing debts current when they are not. This is all illegally not ethical. 
Now concerning the information reported by these credit bureaus, I have never authorized my information to be shared with anyone. I have no signatures nor business with these collections and I also disputed them on my credit several times, which was never posted on my credit during the dispute. They remain on my credit during the dispute. 
LAWS BROKEN When you dispute anything it should be removed for 30 days along with proof not a phone call to debtors. They must speak to neighbors in person, Next, Dates and accuracy must all line up with information reported on every report, that is a law broken. 
Next, The amounts of any debt must be accurate. 
I spoke to several accounts and XXXX SAID I OWE THEM NOTHING NOW FOR TWO YEARS, They are inaccurate identify theft and I explained this several times my information was stolen from a US POSTAL SERVICE I reported this and they never reported it nor placed dispute one time. 
XXXX XXXX XXXX XXXX filed a 1099 C debt cancellation, and 1099 A to complete to balance which all products are prepaid using the cusip number. 
This debt was also included into the PPP Loan and write off on the original debt. 
Next the debt says payment is behind, late, and current. All illegal, the date is already paid for and I do not owe them anything. 
Next These collection agency do not have authorization to have my personal information especially with me being a secured party creditor not debtor. Acting in the Private. It is illegal to allow these people to contact me regarding the strawman 's debt using my social.
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from LJ Ross Associates. It's a collection for a XXXX XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$410.00}. I'm asking that this account be removed immediately as this is fraudulent!
Complaint sub-issue: Information belongs to someone else

I checked my Equifax credit report through   XXXX   I found a "   XXXX   '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything with  XXXX   ).  I contacted  XXXX  by phone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Complaint sub-issue: Problem accessing account

Credit Karma will not give me access to my account and will not mail me a new debit card which was stolen and canceled.
Complaint sub-issue: Was not notified of investigation status or results

XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EQUIFAX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. 

I MAILED IN A WRITTEN DISPUTE LETTER DETAILING ACCOUNT NUMBERS, COMPANY NAMES AND REASON FOR DISPUTE AND HAVE NOT RECEIVED A RESPONSE REGARDING THE RESULTS OF THE INVESTIGATING RESULTS. THESE INACCURATE, INCOMPLETE, FRAUDULENT ACCOUNTS REMAIN ON MY CREDIT REPORT AND IT HAS BEEN MORE THAN 30 DAYS SINCE I SENT THE LETTER. INSTEAD THIS COMPANY HAS CLOSED MY COMPLAINT AND ASKED FOR SPECIFICS THAT HAVE ALREADY BEEN PROVIDED.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an identity theft issue and there is still an account on credit report. I previously filed an FTC and a XXXX Police report indicating the account does not belong to me. I am trying to purchase a home but unable to do so because of the fraudulent account that is showing on my report as two different items : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Late 120 Days XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

Good Afternoon, I am trying to find out whom the best person/bureau for me to contact regarding a financial dispute. I took out a Direct Parent Loan for my daughter in XXXX in the amount of {$9500.00} at 7.21 % interest. I have made the monthly payments of $ 75-100 ever since XXXX and requested on each check that the overpayments amount be applied to principal amount. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX ( remove " Pay a head '' terms ),  XX/XX/XXXX ), regarding the balance and how payments were being applied, they keep stating they would escalate, review and get back to me. It looks like they added another {$740.00} of INT Capitlztn, which if you take XXXX7.21 % that equals {$680.00}. It also looks like they changed the terms at some point. 
My recent review on my credit report shows a balance of {$9300.00} still being owed?! I am not sure how this could be possible with such a low interest rate and consistent payments being made on-time and even during times when the loan is deferred ( because she is now in XXXX school ), I am still making the payments but the balance isnt going down??.
Complaint sub-issue: Account status incorrect

MidFirst / Midland Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then MidFirst / Midland Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). MidFirst / Midland Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. MidFirst / Midland Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. MidFirst / Midland Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with MidFirst / Midland Mortgage is XXXX. MidFirst is the parent company of Midland Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by MidFirst / Midland Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///
Complaint sub-issue: Personal information incorrect

I have a some addresses on my report that are not mine. My name is XXXX XXXX XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE (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: Reporting company used your report improperly

am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts 1. 
XXXX XXXXXXXX XXXX  CREDITOR : XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # 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 Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX