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

I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed immediately
Complaint sub-issue: Received bad information about your loan

I have a student loan that I have been paying on for almost 8 years now, and I am looking to get them forgiven in year 10 with the public student loan forgiveness program. To initiate this process, you submit a form and the company, XXXX XXXX XXXX, sends you a status on how many payments of the 120 required for the forgiveness I have completed. When I received my notice, it stated that only 15 of my 70-80 or so payments have qualified, basically disqualifying me from the program as I will have paid my loans off before I reach 120 payments. I have my loans split, and one that I have been paying on for 8 years says that only 5 of my payments have qualified, noone I have talked to on the phone can explain why and state it is easy to see I have made all my full ontime payments since I have opened my account. 

This information is incorrect, I have paid my full amount due each month and in the right repayment plan. I requested an audit of my payments and account on XX/XX/XXXX. Over the past 11 months, I have received no information on where I stand with the review of my account. I have called approximately 6 times to inquire and each time no information or updates have been provided, and have been told to continue to " be patient ''. All the while, requests for my income and increases to my monthly payments are handled and implemented in less than a week. The company is quick to resolve matters that favor them, but has done 0 to assist me. 

I have recently sent in emails to the company, 3 have been acknowledged as received in their system, but no responses, and a phone call today XX/XX/XXXX also ended in a " continue to be patient '' response. 

I am now requesting help in resolving this as the company is taking 0 action to help me and I have no where else to turn. I would like to have my audit completed to know where I stand with my loan, or if there is still an error, find out what I can do to rectify the problem. Please help
Complaint sub-issue: Information belongs to someone else

Amex/Citibank , N.A customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Complaint sub-issue: Trouble with how payments are being handled

I am resubmitting a compliant about Sallie Mae because I caught them on another lie. My original compliant was XXXX. Their response was that my checking account number was wrong so that is why after they approved my payment, they reversed and rejected it. So not only did they confirm that the reversal was on them ... .they purposefully rejected my payment which now shows on my account that I have a late payment in my payment history. I attached a screenshot that shows that their website restricts you from reviewing your payment prior to submitting if your account number is entered incorrectly. So if I was able to submit my payment and receive a confirmation from the company, then my account information was correct. If it accepted the payment then I also had funds on my account to receive an online receipt. Therefore that is proof that I had the funds and my payment was processed accurately. Sallie Mae chose to send the money back which will have a negative impact on my credit report. I believe this is an FTC violation.
Complaint sub-issue: Trouble with how payments are handled

I was not properly notified when I was required to renew my income based repayment information and {$1700.00} was withdrawn from my bank account, when I normally pay {$130.00}. After speaking with Nelnet they told me they were unable to refund any portion of my payment.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Complaint sub-issue: Information belongs to someone else

VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Now it is costing me hours of my time and money to freeze my credit report -- and I will need to continue expending this time, money, and energy to freeze and unfreeze these reports for the foreseeable future. In particular, I have STILL been unable to retrieve a credit report, set up a fraud alert, or freeze my credit with two major vendors ( Equifax included ), despite trying for hours.
This is an undue burden from a company I have never chosen to do business with, as they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am  compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Old information reappears or never goes away

Fedloan still reporting on credit report even though account shows closed and well over 7 years. 

Fedloan XX/XX/2012 {$4500.00} Fed Loan XX/XX/2012 {$9100.00}
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Complaint sub-issue: Didn't receive notice of right to dispute

On   XX/XX/XXXX   I went to a bank to apply for a credit card. I was denied based off multiple collections that I didnt know about. Upon calling them to ask what they were they told me they kept receiving return mail and gave me the address they had on file and told me I owed {$840.00}. i proceeded to tell them that the address they had was wrong, I told them I had no idea about them. They then told me the address they had was what was sent to them from their customer.   I feel I shouldnt be held responsible for the collection since they were at fault for the wrong address but they told me I am at fault whether I knew about the wrong address or not. I personaly and my families lawyer feels I should n't be held responsible for their mistake.   They wo n't give me anything in writing stating if I pay in full they will immediately take it off my credit report.
Complaint sub-issue: Not given enough info to verify debt

XXXX certified letters within a 60 day period to I.C. System, Inc. has failed to provide the following requested information to validate alleged debts:1. Signed credit applications between myself and the original creditor2. Copies of all signed vouchers from the date accounts opened until default3. Copies of all statements from the date accounts opened until default4. Proof of the statue of limitations5. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) or6. A copy of the contracts I.C. System, Inc. purchased the alleged debts7. If the alleged debts were purchased, provide a copy of agreements between I.C. System, Inc. and myself, signed by me, stating that I have a contractual responsibility to I.C. System, Inc. for the alleged debts8.Provide proof that I.C. System, Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from I.C. System, Inc. I.C. System, Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine. Please advise I.C. System, Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Complaint sub-issue: Talked to a third-party about your debt

On XXXX XXXX, I spoke to a gentleman at Hunter Warfield and explained that I understood a debt was owed but that they needed to honor the request I signed to take a leaseholder off of the file a month after moving in. The representative asked that I email him the file which I did the same day. When I contacted him again, he advised that it will take a couple of days to resolve itself and asked me for payment when I reminded him that once they honor the contract I signed, I will be glad to start making payments. The other party involved kept getting letters saying that he would be sent to collections and the matter never got resolved.
On XXXX XXXX I get a call from quite a rude presentative who tells me that as the law, I can not disregard a contract that was signed and kept cutting me off until rudely telling me good luck and hanging up. Hunter Warlfied has sent notices to all the addresses I have been affiliated to and also the other person that on the lease with me ( who was supposed to be taken off ).
Complaint sub-issue: Their investigation did not fix an error on your report

per your investigation you have written and concluded that XXXX XXXX XXXX and XXXX XXXX have been DELETED from my credit report. However, after carefully review my credit report on XX/XX/2019 I still see both account appearing on my credit report. This is a violation of the Fair Credit Reporting Act
Complaint sub-issue: Information belongs to someone else

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. 

Account : US DEPT. OF EDUCATION/XXXX  # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several phone calls to equifax attempting to correct my credit report for two months. I informed the company that I have 7 hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not requested or applied for any type of credit. Equifax refuses to research the situation with these companies directly and remove these inquiries. I have not signed or made any agreements with any of these companies and I informed equifax of the federal laws and they wont remove them. Please help me get my report corrected.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX and Account XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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: Was not notified of investigation status or results

I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX, I filed a complaint with the CFPB about Equifax, complaint number XXXX. Equifax finally sent a free copy of my credit report, which I originally requested on XX/XX/XXXX. Then the CFPB just closed the case, without any input from me whatsoever about its resolution. 

I have asked Equifax multiple times not to print my social security number in full on my credit report, but they did it again anyway. In a letter dated XX/XX/XXXX, Equifax said they would mask the first 5 digits of my social security number. Then they unmasked it, and I had to ask them again in a letter dated XX/XX/XXXX. But, once again, Equifax insists on showing my full social security number in full, and I do not want them to do this. It is totally unnecessary! 

Also, I would like to know why the CFPB closed my case when I had not even had a chance to view the results. I tried to hit the feedback button, but it didn't work.
Complaint sub-issue: Funds not received from closed account

PNC Bank didn't notify account holder of account closure. Bank card type Prepaid / Cash ( Smart Access ). Account receives Direct Deposit from XXXX, XXXX. 

Bank declined to disclose particulars to reason for closure. Bank account active since 2018. 

At this time ; bank balance remains unknown/ not in the account. After bank cleared direct deposit, it resulted in bank closed account. Account holder contacted number provided to this service, although was told " bank reserves the right to terminate relationship at anytime ''. 

Account older has no funds due to this unexpected closure.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I did n't make these charges : XX/XX/2017 XXXX XXXX Il {$190.00} XX/XX/2017 XXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/2017 XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/2017 XXXX XXXX Ny {$160.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Complaint sub-issue: Public record information inaccurate

I use a company call XXXX XXXX for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.
Complaint sub-issue: Account terms

A cable provider, XXXX XXXX, filed duplicate accounts on my credit report with XXXX. I contacted XXXX and informed them that XXXX XXXX filed duplicate accounts on my credit report. XXXX states they are n't on my credit report, " The disputed accounts XXXX are currently not reporting on your Equifax credit file ''. However, they are still showing on my XXXX credit report which still shows XXXX derogatory accounts, all of which are from XXXX XXXX, and XXXX of the XXXX are duplicate accounts. 

It 's frustrating because I 've contacted XXXX XXXX several times to get the final balance owed resolved. I cancelled my service when I moved from the address to which they provided service and they have the record showing I cancelled my service. However, they continued to charge me for the monthly service and the equipment rental because the equipment was n't returned immediately. Even though I was n't using the equipment and had moved from that location, they kept charging me the monthly service. 

So, XXXX XXXX said they would contact me with the " final '' amount they 'd accept. They never contacted me, and each time I contact them I go through the same experience. No one knows how much I owe them, and because the records are so old they have to research the amount I owe. 

I 'm in a never ending circle of incompetence. The XXXX accounts with the same exact balances show on my credit report as XXXX accounts, and XXXX XXXX ca n't give me an amount I owe them to get the XXXX accounts off my credit report. Craziness! 

So, I 'd appreciate if you can help in any way. It would be helpful to get the XXXX derogatory remarks reduced to XXXX, and to help me get a final balance that is fair so I can pay XXXX XXXX and get the XXXX accounts off my credit report. Otherwise I ca n't pay them and I ca n't get this resolved.
Complaint sub-issue: Account information incorrect

CASHCALL INC.IS APPEARING WRONGFULLY ON MY XXXX  AND XXXX CREDIT BUREAU REPORTS. 
IT IS ACCOUNT NUMBER XXXXCASHCALL IS A NOW DEFUNCT PREDATORY LENDER.I WAS PREYED UPON BY THIS LENDER UNKNOWINGLY TAKING OUT A APPROXIMATE 100 PER CENT APR LOAN.AT THE TIME I HAD SUFFERED XXXX STROKES IN EARLY MIDDLE AGE EVEN THOUGH EARLIER I HAD BEEN A PROFESSIONAL TENNIS PLAYER.CASHCALL VIOLATED A COURT INJUNCTION THAT WAS PERMANENT ( ATTACHED ) FORBIDDING THE ISSUING OF A LOAN WHERE THE INTEREST RATE WAS NOT CLEARLY EXPLAINED AND FOLLOWED UP WITH A EXPOLANATORY PHONE CALL WITHIN 72 HOURS OF LOAN ISSUE.THIS WAS NOT DONE IN MY CASE.

IN ADDITION THE CA SUPREME COURT ADDRESSED MY TYPE OF LOAN AS UNCONSCIONABLE AND THE FACT THAT THE LOAN WOULD BE INVALIDATED WITH OTHER PREDATORY ILLEGAL BEHAVIOR. 
CASHCALL ENJOYS DESTROYING OTHER PEOPLES LIVES AS THEY ARE DOING AND HAVE DONE TO ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/2018 I requested that XXXX verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 XXXX responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, XXXX in error is naming XXXX XXXX XXXX XXXX  the grantor of this alleged account.

On XX/XX/2018 I requested a method of verification ( see attached letter ) from XXXX investigation and has not received any information from XXXX alleged investigation, I have also submitted a second request written request to XXXX  in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success.

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX  ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX fail to validate this alleged  account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.
Complaint sub-issue: Investigation took more than 30 days

I HAVE CONTACTED XXXX XXXX  NUMEROUS TIMES, ZERO RESPONSE. XXXX XXXX  FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE USPS TRACKING SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE 5TH AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX XXXX  FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX XXXX  NEGLECTING TO RESPOND. THANK YOU