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

Federal Loan Servicing reported a 90 day late to the credit reporting agencies in XXXX of 2016. I deferred my student loans while I went through consolidation and an income driven payment plan application. I thought that ALL of my loans were deferred while I went through this process. In XXXX 2016, I contacted XXXX, who I thought was the name for the federal government 's organization that handled ALL student loans, to defer my loans while I went through the process of consolidation and applying for an income driven payment plan. 
When I started receiving delinquent notices, having no idea that different organizations carried my student loans, I called XXXX to learn what was going on. XXXX assured me my loans were still deferred and the process was going on as expected. I did not know that there was another organization that I had to talk with to have the payments deferred on these loans. I thought I was doing everything right and was horrified when I learned that my credit was destroyed from the confusing way student loans are handled. 
The process is now complete and I am paying as agreed to Federal Loan Servicing, they have the entire consolidated loans currently. 
I have contacted FedLoan Servicing and have sent them their disputed credit form twice and have been categorically denied ... I do n't believe they have even read my letter. 
Please help me in convincing this company to reverse their negative reporting. Loan # XXXX.
Complaint sub-issue: Debt was result of identity theft

I do not own any credit cards and have not opened a credit card in 10 years. This account is fraudulent and does not belong to me. Please stop contacting me as I do not own a credit card and havent owned one in 10 years.
Complaint sub-issue: Investigation took more than 30 days

It submitted a dispute letter to Equifax asking for verification of account. It has now been pass 30 days and Equifax hasn't neglected to abide by FCRA laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Complaint sub-issue: Debt is not yours

Im emailing to file a formal complaint about the incorrect billing to me on a mistake XXXX made. Last week ( XX/XX/XXXX ) I received a debt notice in the mail from Keystone Law LLC. This was my first communication that XXXX was even seeking money owed. After calling the customer service line for what the bill was for, it is in relation to a huge mistake XXXX made last year and the charges are a result of XXXX  failure to correctly label and ship my packages which resulted in hours of lost time and damaged property for me. 

Last year ( XX/XX/XXXX ) I moved abroad and hired a company to send my bags internationally to XXXX. They contracted XXXX to send the bags. XXXX incorrectly listed the county of destination as XXXX XXXX XXXX XXXX  ), not XXXX ( XXXX ) and sent my bag to XXXX XXXX. They initially refused to admit fault even after receiving documents from both myself and the moving company showing it was their fault. After three months of the moving company and I calling nearly every day, the moving company was able to get XXXX to admit they made a mistake and have my bags sent to the correct address in XXXX. 

Then, nearly a year later, XXXX used a debt collector to bill me for duty and import taxes amounting to {$440.00} for XXXX XXXX. The customer service representative confirmed that the charges are related to customs and duty for XXXX, XXXX XXXX. My bags would have never even been in XXXX XXXX if not for the mistake of XXXX in incorrectly labelling the country and causing me months of XXXX 

This has been the worst shipping experience of my life. This bill is extremely incorrect and unlawful as I have in no way consented for any of my things to be sent to XXXX XXXX, nor do I believe I should pay for duty and tax for XXXX XXXX as a result of XXXX 's mistakes.
Complaint sub-issue: Problem with personal statement of dispute

Initially purchased a vehicle from the XXXX XXXX XX/XX/XXXX and on day one configured the automatic payment on this account. ALL Payments had been made automatically and no issues were ever reported on the account. XX/XX/XXXX I changed my banking institution and updated the payment information on their XXXX XXXX, received a confirmation email indicating that changes had been submitted. 31 days later I received a call from their " Collections '' department indicating I was 2 months past due and that the account needed to be brought current. A couple hours later after arriving home I logged into the portal and confirmed what had been stated on the phone call and proceeded to manually process the payment and bring the account to good standing. I reached back out to their support team and explained what had happened and how this change must not have stored on their system when the changes were processed, I provided information about the changes and advised to send a letter explaining the issue. I proceeded to send a certified letter with all the detailed information ( All attached ) and how a system glitch caused the issue, I provided screenshots of several errors received while using their portal. I have received several letters back indicating that information provided does not suffice the removal request. They have made it impossible to communicate with them over the phone since this department only communicates via Fax or Letters. Every single reply received has been generic and with no intention to resolve this issue.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Complaint sub-issue: Account status incorrect

equifax has XXXX XXXX as posted active XXXX balance.i have removal documents that shows account deleted.
Complaint sub-issue: Trouble getting a working replacement card

I receive unemployment funds on a Key2benefits card. On XX/XX/XXXX my card was suspended as they wanted me to verify some transactions. I called and verified and was told that in order to receive a replacement card I would need to email one document showing my current address since my address on my account was updated within the last 30 days. They instructed me to email the document to XXXX. I chose to send in my current social security benefits award letter as one of the approved documents on their list was a letter from, 'ANY GOVERNMENT AGENCY ' which clearly shows my new address and is dated within the last 90 days. I sent that, a copy of my ID, a picture of me holding my ID and previously issued but now suspended Key2benefits card, a copy of my Medicare card and a copy of my social security card. Two days later they wrote back saying I was DENIED. In their denial email it again stated that I would need to send in one form of proof of address and in their own words included the statement, 'LETTER FROM ANY GOVERNMENT AGENCY. ' I resubmitted my documents and again was denied. My third attempt, I submitted the same documents as well as a letter from WA STATE PARKS issuing me a disability pass hoping they would accept this government agencies letter, Denied again. The thing is, my old address which is a po box and the address which I updated to are the SAME ADDRESS but the updated version is in the 'street format ' of my po box . This is a service offered by the post office and is what my post master instructed me to use in the event that I needed to have an item expedited or shipped from another carrier other then USPS since most companies do not ship to po box es. Key2benefits customer service has not been helpful as they continue to tell me to submit the documents and wait.
Complaint sub-issue: Reporting company used your report improperly

Good Morning. Last week I took advantage of requesting a copy of my free annual credit report. Everything was in order except the inquiry section. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX inquired in my credit 82 times between the dates of XX/XX/XXXX and XX/XX/XXXX. I do not have an account with Discover. I tried to contact them by phone on XX/XX/XXXX, and because I do not have an account, the representative could not " help '' me find answers, and they referred me to a credit reporting agency. I tried to call XXXX, but none of the phone prompts would bring me to someone I could speak to. This week I received another mailing from Discover, and because of what I have learned about their inquiry methods, I opened the offer of credit and logged onto a site they referred to in their mailing called XXXX. I am furious that Discover " hit '' my credit report this often and most likely affected my credit score and thus increased interest rates I am paying on legitimate trade lines I have applied for and use.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX XXXX XXXX.
Complaint sub-issue: Problem with fees

CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase
Complaint sub-issue: Reporting company used your report improperly

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX, Equifax, and XXXX  are reporting. These negative items must be removed immediately.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.
Complaint sub-issue: Didn't receive notice of right to dispute

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$1200.00} / XX/XX/2022 XXXX  XXXX XXXX/ {$760.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Complaint sub-issue: Problem with additional products or services purchased with the loan

In XX/XX/XXXX, I secured a loan for a XXXX XXXX XXXX through an online car vendor, Carvana. At the time of the purchase there was a limited warranty in effect. I drove the car the day it was delivered and heard a clicking ( or rattling noise ), but assumed it was a characteristic of the vehicle make ( XXXX ) since I had never owned one before. Immediately following delivery of the vehicle ( the following day ), the car would not start. I had it towed to a recommended repair facility ( XXXX XXXX- XXXX XXXX   XXXX XXXX, XXXX XXXX NJ XXXX ) where I had informed them of my concerns and asked them to ensure that the any necessary repairs were taken care of. Although I did not feel satisfied with the response that I was told it was only a battery that needed to be replaced, I trusted what I was told since the vehicle was looked at, at a licensed repair facility. Fast forward a month or two, I was directly impacted by the current pandemic by being laid off of my job, XXXX XXXX for the XXXX and having and owned a " new '' vehicle that I was having issues with. I called back and spoke with a woman about this issue who instructed me to take the car back to a repair facility, however I was unable to take the car since I knew I had to quarantine for the safety of myself, family and others. About a week ago now, the check engine light in the vehicle came on but at this time, I am approximately 5k miles over the mileage limit to be covered under the manufactures warranty. I had to have the truck towed to the dealer as it was not reliable at the time because it would shut off had I attempted to drive it. Ultimately, I ended up paying approximately {$400.00} out of pocket for the repair which should not be responsibility. I KNEW there was a pre-existing issue and made multiple attempts to inform who I needed to, however the repair facility, warranty company AND dealer never documented my attempts to have this issue resolved. I spoke with a helpful representative today ( XXXX ) who said that he could see in his system a record of my calls, but then transferred me to a woman who said she could not and she disconnected the call once I informed her I would write a complaint to the CFPB. I advised her that I had spoken to their warranty company XXXX XXXX XXXX XXXX the day prior and was told that all she had to do was to inform them of the documented issue, however she is saying that it was not. As a customer, I feel that I am being treated unfairly and subjectively without the root of the issue being addressed. I am out of work and have an additional financial burden at this time and now the vendor will not assist in resolving my issue.
Complaint sub-issue: Debt resulted from identity theft

Whilst away at school my name and personal information was used to open accounts including this XXXX. I have not or did not give my authorization to open this account and I require a full disclosure of the contract ; payment agreement ; identification used to open this account and all other information pertaining to the opening of this account.
Complaint sub-issue: Information belongs to someone else

Four years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.
Complaint sub-issue: Information belongs to someone else

This account is still reporting on my credit report, this account doesnt belong to me and the credit bureaus were given the police report to remove such item. This debt is also expired. Contacted both the merchant and credit bureau and they are in violation to keep reporting this item. 
XXXX XXXX AC # XXXX {$890.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : DP OF EDUC Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) Account # XXXX 5. Account Name : Original Creditor Account # XXXX 6. Account Name : Original Creditor Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX