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

My student loans are with  XXXX   XXXX . I was looking for a way to lower my payments. I found a company called Fedloan Help, free student loan repayment assistance. They said that they would take over the loan and I would pay them based on what I could afford ; income minus expenses. They did so and spoke on the phone to me extensively about their service, communicating that they would take over the loan and I would pay them at a reduced monthly payment. They said my credit rate would go up because of the transfer showing the closing of the account with  XXXX . I signed the paperwork and provided all pertinent information. My payments were withdrawn every month on the  XXXX  as I requested. I believed this money was going towards my student loan. This past week when I could n't get a  XXXX  tax form I became suspicious. I was told the form they did have for taxes counts as a charity credit since they are a not for profit. Also I was told I was due for recertification. As a result I was told my payment would go up, which I did n't understand, I did n't know about recertification. When I first began this process they certified me with  Granite State  with a take home of {$54000.00} a year with  XXXX  dependents. Therefore, a forbearance was put on my existing loan with  XXXX . No transfer took place ever. It just looked like I had a  XXXX  balance since I was in forbearance and had no idea this was happening. With the recertification this year I was told my payment went up from {$180.00} to {$310.00}. I questioned why. Fedloan Help then said that they had no control over what my loan holder said I had to pay. I could n't believe it. I had been scammed. I spoke to  XXXX   XXXX , but they said they had n't received a payment from me since  XXXX    XXXX  . Nothing that Fedloan Help communicated to me would happen, happened. The new submission from  XXXX  to  XXXX  was based on an income of {$55000.00} with  XXXX  people in the household. I do n't understand what Fedloan Help is doing but they are n't telling people what they are really doing. Of course there are contracts you have to sign and I need to go back and read them ; obviously I did n't read them closely and was suckered. Their claim is that they would take over the loan and I would pay them. They 've taken around {$2500.00} for me and none of it has gone towards my student loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received my reinvestigation back from XXXX, EQUIFAX, XXXX. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate 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
Complaint sub-issue: Reporting company used your report improperly

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Complaint sub-issue: Information is not mine

In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
Complaint sub-issue: Problem with personal statement of dispute

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS I NEVER RECEIVED A DUNNING LETTER FOR THIS DEBT
Complaint sub-issue: Account information incorrect

best buy is reporting that this is a current account.this shows nthat this acct has been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I Want LexisNexis renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX XXXX and XXXX XXXX Credit Bureaus
Complaint sub-issue: Information belongs to someone else

There are two fraudulent accounts on my Equifax credit report, both from XXXX XXXX. I discovered who the person was that opened these fraudulent accounts and got a police report from XXXX XXXX Police in CT. I followed FCRA 605.b to the letter and provided Equifax with all the needed paperwork. 605.b is clear that the info should be removed within 4 days. It has not been. Every time I call the XXXX  call center WILL NOT transfer me to the American office as I request. I am now receiving daily e-mails from Equifax, saying if I pay for their services they can help me. Clearly they are intnetionally violating the FCRA in an attempt to extract money from me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions
Complaint sub-issue: Didn't receive enough information to verify debt

I have written several disputes to this company and they have not responded AT ALL! They have willfully violated my rights by intruding onto my credit file without any prior notification or stated reasons. I have disputed the account, and they have not responded to me! This violates the FCRA and FDCPA in so many ways it hurts! PLEASE HELP ME!
Complaint sub-issue: Debt was paid

On XX/XX/2019, I paid off my account for {$170.00}. By the end of the same month, I was billed for {$180.00} twice. I called after a week to dispute the charge and was told that I will receive a check through the mail after 2 weeks. Its been 2 months and I still havent received anything. I called several times and was told that accounting department is already closed. My issue has not been solved and the agents that I spoke has not done anything about it.
Complaint sub-issue: Account status incorrect

I have asked several times that these closed accounts to be removed asap.
Complaint sub-issue: Trouble with how payments are being handled

Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I ordered a XXXX XXXX from XXXX for my daughter. It was guaranteed arrive of XX/XX/XXXX. I got notification on XX/XX/XXXX that it shipped and on XX/XX/XXXX I emailed the company and asked when it was arriving at which time I as asked did I received email on XX/XX/XXXX. On XX/XX/XXXX, I did not get my package, there was no tracking number, there was no way to track it and I thought that was odd, and so did XXXX rep. The seller tried to add another month to shipping and I wanted my money back, it felt like a scam, he emailed me and said he would refund me, XXXX said the same thing, I told them.both I was going to put my bank on notice and I did. 
After Investigation, I got my money back. Now i get I have been getting collections calls, and I got a collections notice in the mail, for the very thing I did not get! I am being harrassed for a package that didnt come, they are trying to steal from me.
Complaint sub-issue: Debt was result of identity theft

I had an account with XXXX XXXX XXXX  and I never use the account never once charged it. I ended up very sick emitted to the hospital stayed there for 6 weeks and during that time somebody had gotten hold of my credit card that was too XXXX and they charged it all the way to the {$300.00} limit. Every so often I check my credit report on a regular basis throughout the year and I came across the XXXX account listed as derogatory and had multiple months without payments made. if someone would review my credit file I believe it's apparent I was unaware of the charges, I have been excellent with paying bills on time and to keep my available credit around 50 % .so after I found the error on my file I called XXXX and ask them what was going on. I thought maybe it was an error on their end but it wasn't it was somebody who had fraudulently charged my account so I disputed it with them it took a while but eventually they did actually remove the whole account in my favor after I provided enough relevant information that shows that I I did not authorize any transactions to do with that and I will provide that dispute letter that resulted in the deletion as of XXXX that out of the way, my current problem is that while I was fighting XXXX to correct the item, it evidently went into collections and sold to a debt collection agency known as XXXX XXXX . I  thought it would be easy to remove the XXXX account being I do not owe them anything. I have called XXXX, disputed them twice proving to them with documents showing im not in debt to either company. I've felt more than once disrespected when trying to reason with a representative .instead of showing an empathy type of demeanor towards me for having all this stuff to deal with that I don't deserve, I get an offer for them to remove the collection of my file IF I pay only XXXX dollars instead of XXXX. Long story short im either not understanding something or XXXX XXXX is holding this hard credit hit over my head until they get paid something XXXX dollars would be well worth it to be done with this nightmare and I have the means to pay that but it's the principle of how im treated according to my actions. I refuse to pay for something a criminal stole from me.
Complaint sub-issue: Old information reappears or never goes away

Equifax keeps playing games with my credit report. I made some disputes with the CFPB, the information was corrected showing decreases in my balances, and Equifax immediately drops my score by 53 points as retaliation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.
Complaint sub-issue: Investigation took more than 30 days

Equifax still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Equifax as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX Account # XXXX 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 a account without my written instructions.
Complaint sub-issue: Account status incorrect

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Debt was result of identity theft

Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX an agreement was reached with Jefferson Capital to settle a debt, for a XXXX account. They promised if i paid the amount agreed of {$160.00}, they would remove the XXXX account from my credit. In the course of a year, I contacted them several times and everytime they would say to send the credit companies the satisfactory letter except I would wait months and no letter. I kept contacting the credit agency and they kept referring me back to Jefferson Capital. This back and forth went on for a while. 

I recently contacted Jefferson Capital in XXXX of XXXX upset and got them to agree to send me the satisfactory letter electronically since a whole year had gone by and I never received it by mail. I sent it to all 3 credit agency as instructed but they still would not remove the XXXX account. 

I called back Jefferson Capital back and now they told me to send the letter to XXXX. For a whole year I have been bounced back and forth! 

Jefferson Capital were the ones who promised to remove the XXXX account from my credit report. 

I am requesting that they please honor their agreement and remove that account as they promised from my credit. I kept my end of the agreement and paid them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ACCT # XXXX, 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} FCO ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$87.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I been a victim of fraud / the Equifax breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Complaint sub-issue: Account status incorrect

I have had numerous conversations with  XXXX  regarding my account #   XXXX   XXXX   XXXX   XXXX   - Which was  an  old  XXXX  account that was  converted in to  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, 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 a account without my written instructions