Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Account opened as a result of fraud

Ex wife opened up bank account fraudulently in my name as a means of retaliation for ending our relationship. She knows my social security number as well as all other information, her maiden name is XXXX XXXX. Her last known residence to me is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I believe this person has stolen my information and used it to open accounts fraudulently because she has made threats to do so in the past. First a key bank account was opened to commit unemployment fraud then an XXXX  checking out.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

Dear Consumer Financial Protection Bureau, Amid 6 months of contacting XXXX and XXXX regarding my American Education Services ( AES ) Federal Student Loan, I write, because since XXXX 2015 there has been a persistent error regarding the balance of XXXX my AES student loans. Specifically, the balance for XXXX of my AES student loans jumped 56 % ( {$17000.00} ) in one month and has been negatively impacting my credit and ability to secure employment for several years. And despite provided detailed evidence and documentation via emails and in writing to the above noted organizations no one has responded to correct this matter. I am requesting that this error be corrected in my XXXX credit reports and in AES records as soon as possible. Above all else, imperishable thanks for your time and consideration in this matter.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Complaint sub-issue: Investigation took more than 30 days

I ' am victim of identity theft and I've send according documentation to the bureaus I've sent an identity theft report for the XXXX-XXXX  account # XXXX date opened XX/XX/XXXX. Their are numerous inaccurate information reporting under my name including a wrong social number. I started the dispute with Equifax XX/XX/XXXX and the dispute took more the 30 days. I didn't get a response from neither the company or Equifax. I called Equifax on XX/XX/XXXX to get the result of the dispute the representative said the dispute took more the 30 days and the creditor didn't respond at all so the account got removed, but he also notified me that the creditor is going to report this in the up coming year. I got in touch with a supervisor I told him that under a federal law the creditor has up to 30 days to investigate, 30 days statutes is reasonable time for re-verification of these entries unless you immediately notify me otherwise. It should be understood that the failure to re-verify these items within 30 days constitutes reason to promptly drop the information from my file according to section 168li ( a ). Equifax Should not allow to re-report this fraudulent account, but Equifax is not doing anything about this.They are damaging my credit, is illegal it is up to {$1000.00} per occurrence.

Also pursuant to 15USC section 168li ( d ) of the Fair Credit Reporting Act, they need to notify me when these items have been deleted. I wasn't notified by Equifax nor the creditor for any kind of a result. According to the provisions of 15 USC section168lj, there should be no charge for this notification.
Complaint sub-issue: Problem accessing account

I called into US Bank to open a new account on XX/XX/XXXX. The E consent form emailed to me stated that I had 30 days to sign the form. When I tried to transfer funds I needed yesterday the mobile app did not allow me to do so on XX/XX/XXXX. I called into the bank and was told that there was a hold on the account for e sign to be completed. As I stated before the us bank app was not allowing me to do that process on my mobile device so I haggled with customer service with the matter and just asked for the account to be closed and the funds to be returned to the original account which the bank and its supervisor refused to do. I am in complete confusion as to how a bank can not close an account or should I say blatantly refuses to close the account. 

I went as far as to go home to my desktop computer I followed the steps listed and now the us bank site is once again having continued issues and wont even allow me to e sign the document to have access to the account and the funds therein. I am attaching the screenshots showing the continued US BANK problems. This is freaking ridiculous I will be closing both accounts next month this is some complete XXXX  XXXX. They refuse to close the account and are restricting access to the account and refuse to transfer me to supervisors when I called into the bank and asked for a supervisor some rude chick on the phone tried to start an argument and then transferred me back to the customer relations and they refused to transfer me to a supervisor, XXXX refused to transfer me a supervisor claiming it was saturday and that no one was available and they had limited supervisors and claimed she was being honest with me. 

UNACCEPTABLE NASTY CUSTOMER SERVICE ON A CONTINUED BASIS. I WILL BE CLOSING ALL ACCOUNTS AND NEVER DOING BUSINESS WITH US BANK AGAIN. HOW THE HECK CAN YOU REFUSE TO CLOSE AN ACCOUNT, DENY ACCESS TO AN ACCOUNT, REFUSE TO ALLOW ME TO E SIGN THE ACCOUNT WHICH WAS SUPPOSED TO ALLEGEDLY RELEASE THE HOLD ON THE ACCOUNT AND THEN GET TWO REPS BACK TO BACK WITH NASTY ATTITUDES REFUSING TO TRANSFER ME TO A SUPERVISOR AND PUTTING BLAME ON ME FOR THEIR FREAKING NASTY SERVICE IN ALL ASPECTS. UNBELIEVABLE. I HOPE THEY GET CITED FOR THIS FRAUDULENT BEHAVIOR AND HAVE TO PAY MILLIONS TO CONSUMERS LIKE XXXX XXXX HAS HAD TO DO FOR THE SAME TYPE OF UNETHICAL ILLEGAL BANKING EXPERIENCES.
Complaint sub-issue: Used obscene/profane/abusive language

XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.
Complaint sub-issue: Debt was paid

I have a payment arrangement on file with Procollect Inc, however the company refuses to give me a invoice or a receipt to confirm my payments. I received a letter in the mail from ProCollect about debt I owed from an apartment that I moved out of in XXXX 2016. I called ProCollect and spoke to XXXX XXXX XXXX at XXXX XXXX to see what was going on and she explained to me that there was an unpaid balance of {$3000.00} & {$560.00} from this apartment. I told her that I am willing to make a payment arrangement. I made a payment over the phone with my debit card in the amount of {$300.00}. I then asked XXXX XXXX for a invoice or receipt to confirm my payment and payment arrangments. XXXX XXXX raised her voice and told me that unfortuntaley ProCollect dosent not offer any recipts for confirmation of payment until the account balance is paid in full. XXXX XXXX was very rude and disrespectful and she told me to have a nice day and hangs up the phone.
Complaint sub-issue: Account status incorrect

I just recently filed a complaint through CFPB due to  XXXX   XXXX  showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  XXXX    XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my  XXXX  student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?
Complaint sub-issue: Problem with fees charged

On XX/XX/XXXX Called XXXX asking for a defer payment for the month of XX/XX/XXXX. I explained to the customer rep XXXX. I'm unable to pay my XXXX payment due to an unexpected finance I had to invest XXXX to replace my car key. Customer rep said that was not a reason to be placed on defer payment due to not enough resources given. 

On XX/XX/XXXX I spoke to another customer service rep XXXX at XXXX in regards to my defer payment for the month of XXXX. I explained to him what cause me to financially not be able to pay my car note the month of XX/XX/XXXX due to me having to pay for a keyless entry key which the atenna broke inside the key panel. Without my keyless entry key I would not have been able to operate vehicle. XXXX verbally mentioned that proof needs to be given for the cost of my replaced key and fax to them. XXXX also verbally mentioned for me to be placed on a defer payment I would have to pay first before I can qualify for a defer payment a " Commitment fee '' of XXXX in order to be granted a defer payment. 

I have been placed on a defer payment before with Veros Credit and have not paid a " Commitment fee '' of XXXX. If I'm asking for a defer payment it's because I'm financially not able to pay my car note for the month of XX/XX/XXXX. Veros Credit is  still retailaiting against me, and making a situation difficult for myself financially being a single mother. I'm also receiving numerous calls from Veros Credit every day, which is an hindrance on my work performance at work. I am not able to answer calls while I'm working due to the type of work I do. 

Do to previous complaints I have filed on Veros Credit ; I still have not recieved an idiomized receipt on insurance Veros Credit has added to my car payment. Veros Credit also mentioned in previous complaint I filed that the insurance that was added to my car payment is added in my contract until I pay off the car. How is it that an insurance policy added to my contract is now attached to my car payment until my loan is paid off? Veros credit mentioned that they were giving me 10 courtsey days after due date on the XXXX to give me time to pay my car payment. Veros Credit already gives a 10 day grace period which does not allow me to succeed with good credit. 

Veros credit still has not compromised with myself putting car payment back to the XXXX. My car payment was initially on the XXXX and Veros Credit took it upon themselves to change my due date on the XXXX. I am unable to pay my car payment on the XXXX of each month do to me having to pay rent the XXXX of the month. I have attached an old defer payment that was given from Veros Credit last year XXXX, and I was not charged a " Commitment fee '' of XXXX. I have attached proof of my receipt ; replacing my keyless entry key. 

I also have attached 2 days of harrassment calls from Veros Credit employees. I look forward to hearing from someone about my matter that has been on going for 3 years with the unethical values of Veros Credit. 

Thank you
Complaint sub-issue: Attempted to collect wrong amount

IQ Data contacted me today ( XX/XX/21 ) in an attempt to collect a debt of {$130.00} which was, to my knowledge still disputed. The company misrepresented the outcome of the dispute stating that the dispute had resulted in the debt still being active and I paid in fear of my credit score dropping. However, when I went to check the results of the dispute, the case had actually been ruled in my favor days prior. IQ Data misrepresented my dispute for financial gain at my expense.
Complaint sub-issue: Public record information inaccurate

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. 
A XXXX Date Filed XX/XX/2016 Type Bankruptcy : Discharged CHXXXX Reference XXXX Plaintiff
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  account, XXXX has violated my right to privacy Under the HIPPA law, A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instructions
Complaint sub-issue: Don't agree with the fees charged

1. On or about XX/XX/XXXX Sallie Mae Bank agreed for the loan mentioned above ( amount {$10000.00} ) and decided an interest rate of 10.875 %. This violates the Mass Gen Law Chapter 93A, Section 9 in terms of charging a consumer higher rates than the market, published or advertised price. 
2. On or about the last week of XX/XX/XXXX, we contacted Sallie Mae where the balance of the loan went up to about {$16000.00}, and we suggested to pay the whole balance in four payments over 4 years, each payment {$4000.00}, starting from the beginning of XX/XX/XXXX, and to stop or freeze the interest, and they agreed. However, when we checked the balance in XX/XX/XXXX, we found an additional interest of about {$1400.00}. When we contacted the manager, Mrs. XXXX, on XX/XX/XXXX, she said that these agents, who agreed for this, are the third party and we dont consider their statements. This violates the Consumer Protection Law since the business does not meet its warranty agreement. 
3. In all times Sallie Mae fails to tell us relevant information regarding this loan ; and we never received any letter concerning the status of the loan ; even after contacting Mrs. XXXX when she said that she is going to send a letter with all the information. This action violates the Consumer Protection Law.
Complaint sub-issue: Old information reappears or never goes away

XXXX student loans They still have acount of all Three credit reporting companies Acount students loans XXXX student loan Or XXXX XXXX XXXX Or loans have been pay off
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX 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: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of fraud
Complaint sub-issue: Confusing or misleading advertising

On Thursday, XX/XX/2022 at XXXX XXXX, after President Biden announced debt relief for borrows of federal student loans, student-loan refinance company Earnest sent an e-mail with a headline that wrongly suggested that the relief had already been applied to accounts. 

The headline read, " [ My name ], up to $ XXXX in fed loans is gone but what about the rest? '' At issue, someone seeing this headline may inadvertently refinance their student loan before their debt relief is applied. 

Also, the body of the e-mail says that " the Fed [ is ] raising their interest rates, '' which may make potential borrowers wrongly think that the rates on their federal loans are being raised. 

The e-mail is attached. To be fair, a disclaimer is at the bottom, but the whole of the e-mail can be misleading. 

Furthermore, the disclaimer on Earnest 's website does not reflect the payment suspension through the end of the year, let alone through the most recent actions towards forgiveness. The screenshot is attached. Go to www.earnest.com -> Student Debt Refinance -> Check my rate, or, equivalently, www.earnest.com/_/slr-ui/rate-check/get-started I do not hold federal student loans, but the issue is serious enough for the CFPB to investigate and prevent harm to potential borrowers.
Complaint sub-issue: Account information incorrect

I have been working to re-instate my student loan payments since XX/XX/XXXX because in order to qualify for a mortgage loan, my credit report needs to show my actual payments under the income-based repayment plan versus a XXXX  balance that was implemented with the COVID forbearance. I did get my payment plan re-instated in XX/XX/XXXX and made both XXXX and XX/XX/XXXX payments on-time and in full on the designated due date. My credit report has not been updated since XXXX and does not reflect my actual payment amount or the XXXX payment which should have been updated by now.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I called the # listed by employer for ADP to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. ADP has a phone prompt that direct you to a # supposedly to the XXXX County Magistrates Court. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to ADP who doesnt respond in person. I am a XXXX  y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
Complaint sub-issue: Information belongs to someone else

I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!
Complaint sub-issue: Account information incorrect

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Complaint sub-issue: Attempted to collect wrong amount

This relates to complaint XXXX. After I filed the complaint, I got a letter from XXXX XXXX indicating that the account " was charged off due to delinquency onXX/XX/XXXX. '' The Rodenburg Law Firm falsely represented in court pleadings that it was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX  has already charged off the debt.

The XXXX XXXX  Letter went on to say that the " XXXX XXXX   Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX XXXX ( XXXX ). '' And admitted that " XXXX XXXX  no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself.

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, XXXX XXXX XXXX XXXX ) has ALREADY written off the debt for tax purposes?

At any rate, XXXX XXXX of the Rodenburg Law Firm ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX, according to itsXX/XX/XXXXletter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX  and the Rodenburg Law Firm. When I left a message with the Rodenburg Law Firm about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the Rodenburg Law Firm is committing fraud on the court and making false representations in pleadings.

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.