Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I will be making a police report and uploading all evidence.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Deposits and withdrawals

I deposited a check on XX/XX/XXXX and after the 3 to 5 day hold, Citibanks fraud department had put a block on my whole account, but the issue that I had with that was that I ended up having to call them to find out that there was even an issue with the check that was deposited. so now with my whole account frozen I have to borrow and inconvenience others to get needs and things done all weekend. 
the following monday I literally spent at least XXXX hours trying to get someone to help resolve the issue, but everyone seemly has the I cant do anything attitude. it took hours to get anyone on a phone and almost as long to attempt a solution. so after driving all the way to a branch to verify my address and the check deposited, and then waiting for hours again to get someone on a phone again, as instructed, just to be told no still. apparently the previous agent neglected to do a step or two on their end and now I have to be inconvenienced for yet another day. now I have people calling and payments bouncing all at a time in which I am trying to repair my credit, how do you think thats going to look when applying for any loan, let alone a home loan I suggested they could have simply extended the hold on the check deposited until they received what information was needed to proceed with the processing of the check but they instilled to freeze the whole account, thus putting myself in what looks like another financial burden. all this time not one supervisor nor manager was able to be reached to help with anything they seemingly acted as if they didnt care or as if it wasnt even a bother for them to upset a clients plans or financial situation I almost forgot to mention that the check on deposit is drawn on their bank by another Citibank client, so they have all the information they required
Complaint sub-issue: Reporting company used your report improperly

While checking my personal credit reports which acquired from  XXXX ,   XXXX    and  XXXX , I noticed an inquiry made by Credit Plus.I did not authorized anyone of this company to make inquiry and view my credit report.Credit Plus have violated the fair credit report act section  1681 (  B ) I request that Credit Plus mail me a copy of my signed authorization form that gave them the right to view my credit report so that I can verify its validity.
Complaint sub-issue: Public record information inaccurate

This is the XXXX time disputing this frivolous information on my credit report. I have sent letters certified mail XXXX different times. I have also sent om XX/XX/2020 a transcript from XXXX of our entire conversation stating THERE IS NO BANKRUPTCY ON MY CREDIT FILE. Equifax is reporting XXXX bankruptcies on my credit report. Their 3rd party verification department is XXXX. XXXX XXXX " DE ; ETED '' all the bankruptcies because they did not belong to me. Also I have spoken with XXXX and they have also disputed the information with Equifax to have it removed immediately. Equifax " refuses '' to delete the information even though i sent them proof that it has been deleted. I also spoke with XXXX a Consumer supervisor at XXXX she stated and I quote " Equifax has not requested any verification from us since XXXX of 2020, If they would have requested it the would have know there is no bankruptcy in your file. '' Why is CFPB and FTC still allowing this to happen? why are you not enforcing the law? I will again submit a copy of the XXXX report showing the deleted bankruptcy. Also I will send over the letter i just received from Equifax showing they verified it as accurate
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Personal information incorrect

Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you
Complaint sub-issue: Account status incorrect

Contacted upgrade customer service about a past due balance for XXXX cents in early XX/XX/2022. Agent stated problem would be solved in 30 days and would not effect my credit score. Called back in late XX/XX/2022 after my credit score dropped XXXX  points. Agent stated it was an " autopay allocation error, and it would be investigated and I would be contacted. '' After they reported the " fix '' to the credit bureaus my score only regained about half of what it fell. I was just hit for another deliquescent for XXXX cents and another XXXX points on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Complaint sub-issue: Information belongs to someone else

Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 


Then used The account that they referred to as the third party ( XXXX  ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!
Complaint sub-issue: Reporting company used your report improperly

GoldenOak lending obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.
Complaint sub-issue: You never received your bill or did not know a payment was due

To Whom It May Concern : I hope you have been safe during these uncertain times. 

Im writing because I noticed that my most recent credit report contains a late paymentreported for my Citibank account. When speaking to a Citibank representative, they confirmed that my auto-payment amount was upped from {$30.00} to {$35.00} without my knowledge during the month of XXXX. If I had known that I was delinquentby {$5.00}, I would have immediately corrected this error, but due to Citibank not informing me until it was too late, my credit score has now droppedsignificantly. This is Citibank taking advantage of the current Covid-19 crisis, as previously I have never had my auto-payment upped within the 6 years of having this credit card open. I don't understand how I did not receive any notifications about this in the mail, and their calls have been flagged as spam risk, which is why I did not give my account information to them over the phone. When I tried calling them back to confirm that it was them calling under the spam risk number, their automated service told me that they are experiencing higher than normal call volumes and would hang up on me. I never received any confirmation from them until it was too late. 

I want you to know that I understand my financial obligations, and if it werent for myautomatic payments information being upped by Citibank without my knowledge and my phone flagging Citibank 's automated calls as spam and their inability to reach out to me by other more practical methods, Id have an excellent repayment record. Since then, I've paid off the account in full. Leading up to then, Ive had a spotless record of on-time payments. 

I am still unable to reach Citibank unless it is within their automated service that still hangs up on me, or by their 'chat ' function that does not respond back to me until the middle of the night. No one is getting back to me about this predatory practice and it is ruining my life. 

Thank you, XXXX
Complaint sub-issue: Information belongs to someone else

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : 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 Please remove all fraudulent accounts.
Complaint sub-issue: Debt is not yours

I do not have a signed contract or any contract Enhanced Recovery company.I have never done business with this company.I am not liable for collection of this debt from XXXX.I am not responsible for this debt with Enhanced Recovery company.
Complaint sub-issue: Personal information incorrect

in accordance with fair credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report 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 and phone XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

For the past 10 years I have paid FedLoan {$710.00} per month, on time without any delays or missing payments. Every month they would email me reminding me that my payment was due. I called them and asked them why they need to keep reminding me when my account is in full compliance, they told me they would stop, but the reminders did not stop. When I talked to them asking them why they were not forgiving any of my debt after working in a XXXX XXXX school for more than 5 years, they told me that I was signed up for the wrong forgiveness program. Again, completely misguided by them. When my loan was very nearly paid off earlier this year I did not get a bill in the mail as usual, but instead I got a Paid In Full letter. I was relieved, but then the harassing phone calls and emails began again, telling me that my payment was late, and a collection agency would be called, even though it had been less than a month past due date. When I would call them I would need to talk to several people due to the rudeness of the people attending to my account. FedLoan has been completely unhelpful, discourteous, and unprofessional in assisting me over the past ten years of payments. It has been a terrible experience ; the worst ten years of my life. FedLoan is a greedy, shameful institution that I recommend people stay clear of.
Complaint sub-issue: Problem with personal statement of dispute

The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX  Account. I contacted XXXX XXXX XXXX XXXX previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries  removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
Complaint sub-issue: Trouble with how payments are handled

The lender Sallie Mae stated that they were unable / unwilling to follow my written payment allocation instructions. I used the CFPB guidelines for my instructions found at http XXXX Dear Sallie Mae , Inc. , I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal of the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the principal of the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal of the loan with the next highest interest rate. 
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.
Complaint sub-issue: Personal information incorrect

It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.
Complaint sub-issue: Account information incorrect

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}