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

According to my servicer, MOHELA, as of XX/XX/2022, I have XXXX eligible payments towards PSLF. I have XXXX qualifying payments of the XXXX. I submitted my paperwork in XX/XX/2022 and was told by XXXX that they needed me to resubmit it. I submitted it again in XX/XX/2022 before my loans were transferred from XXXX to MOHELA. As of XX/XX/2022, MOHELA claims I am not eligible for forgiveness because the box " STILL EMPLOYED '' was not checked. I have a copy of the form submitted initially to XXXX and MOHELA. That box was checked. They are saying I should resubmit the form. I have qualified for PSLF. They refuse to acknowledge that and discharge the loans. At this point, I have applied for forgiveness three times during the period I have been eligible and have not been granted forgiveness. Communication from MOHELA before the transfer stated that any ongoing applications would be honored and no further action was needed. They acknowledge that I have XXXX qualifying payments ( in reality, XXXX since I am still employed at the same institution ) over the XXXX. I am still employed at the same institution as I indicated. 

They engage in shady business practices. They not only deny people eligible for forgiveness, but they also provide a phone number that no one answers. It is a pre-recorded message pushing you to their website. After several minutes, you are given the option to speak to someone, but they put you on hold until they hang up on you. No one will assist you. I would encourage you to try and contact them at their PSLF line XXXX XXXX XXXX XXXX. You will not be able to speak to any representative who can assist you for any reason.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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: Information belongs to someone else

I have been a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people.

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$660.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Complaint sub-issue: Old information reappears or never goes away

I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.
Complaint sub-issue: Problem getting my free annual report

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all three reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Complaint sub-issue: Information belongs to someone else

I was looking at my credit report and noticed several accounts that doesn't belong to me. Please remove them. They are messing up my credit score.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity of theft, accounts attached does not belong to me
Complaint sub-issue: Account information incorrect

My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month
Complaint sub-issue: Information belongs to someone else

American Education Services has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating AES is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Their investigation did not fix an error on your report

After a dispute, XXXX XXXX XXXX verified incorrect information on my XXXX   Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX  showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.
Complaint sub-issue: Debt was result of identity theft

XXXX IS NOT ADA ACCESSIBLE. Federal Trade Commission Website CONSUMER INFORMATION. see attatched FTC ID Theft case XXXX XXXX   provided NO ACCESS. FTC You may view FTC Website on line. Question 1 ) Have you been billed for merchandise you never recieved? I ANSWERED YES. FTC explains Mail Internet Merchandise Rule & Fair Credit Billing Act YOU DON'T HAVE TO PAY FOR MERCHANDISE YOU ORDERED BUT NEVER RECIEVED. see attatched CRIMINAL INVESTIGATION. Letter dated XX/XX/XXXX USPS deliveries not made US POSTAL INSPECTION. see attatched EQUIFAX CREDIT REPORT. EQUIFAX has a duty to Consumers to VERIFY WITH WRITTEN DOCUMENTATION SIGNATURE & ACCEPTACE OF DELIVERY THESE ITEMS WERE DELIVERED INTO MY HANDS. ( XXXX REFUSES DOCUMENTATION OF ACTIVATION DATES OF THESE NEW CARDS ISSUED. endings XXXX XXXX XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX ALL REPORTED TIMELY BY PHONE MY ONLY OPTION WITH NO XXXX ACCESS. ) see attatched XX/XX/XXXX XXXX LETTER ALLEDGING THOUSANDS OF DOLLARS WERE DENIED NOT REPORTED TIMELY. Provide verified documentation these goods were delivered into my hands. ** XXXX illegally collected on this ID Theft and DESTROYED MY CREDIT. See attatched XX/XX/XXXX of collection XXXX   DENIED MY CLAIM ( see attatched XX/XX/XXXX Letter XXXX AND EXPECTS PAYMENT. EQUIFAX HAS DUTY TO VERIFY WHAT THIS BANK DID NOT OR REMOVE. PER FAIR CREDIT ACT PROTECT FOR CONSUMERS.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Problem getting your free annual credit report

I am creating a new complaint as a follow up to complaint ID XXXX that was closed without a resolution. Essentially, Equifax has claimed that my credit file does not exist in their system, despite verifying with all my lenders that they have been sending my credit history to all XXXX credit bureaus, including Equifax, with the correct information. 

I have now contacted Equifax for the XXXX time, previously faxing XXXX pieces of documentation to verify my identity -- A passport, W-2 ( which includes the SSN # ), a utility bill with my current address ( XXXX  internet bill ), as well as a recent bank statement that includes my current address -- and have been turned away saying that this does not match their records. This time they told me to return their response letter with documentation verifying my identity and current address. 

Once again, I am receiving credit reports from XXXX and XXXX with no issues, but not Equifax despite having a significant credit history. 

I have mailed XXXX pieces of documentation as requested ( XX/XX/21 ), my latest paystub with my full name, current address and SSN, as well as a copy of my driver 's license with my full name and current address. I am applying for a home mortgage and this blank credit report from Equifax is preventing me from doing so. This is the last time I intend on sending documentation to get this resolved before I'm forced to take legal action against Equifax.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/XXXX I got an email that my savings and checking accounts at Discover bank had been closed. I called multiple times speaking to representatives from their security team ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). No one could tell me why the account was frozen. When asked when I would get my money back, they told me 60 days from the last date of deposit. Which would of been XX/XX/XXXX. Randomly, I received an email about a month or so after saying my accounts were closed. XXXX on XX/XX/XXXX said that i would not get my money back until 60-90 days. This was the first I had heard of 90 days at all. On XX/XX/XXXX, I spoke to XXXX who then said it has to be XXXX business days, and that they had until XX/XX/XXXX to release the funds. She offered to email " them '' to expedite the release of the funds. This was with no guarantee that it would actually happen. The XXXX business days was also new information. There has been nothing but inconsistencies with them. They do not tell you why your accounts were closed and treat you as if you are doing illegal activity. They refuse to give me my money back pending investigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On my Credit report is showed that there was a hard inquiry made on XXXX, XXXX XXXX  by XXXX XXXX. I proceeded to call equifax to get this hard inquiry removed. They then prompted me to call XXXX  XXXX, I spoke to them on the phone and they have no recollection of any of my data on file. I called back a couple of times confirming things and I was told the same thing.
Complaint sub-issue: Non-sufficient funds and associated fees

Recieved a text from ( XXXX ) XXXX FRM : PNC Bank Debit Frozen SUBJ : Contact XXXX MSG : : XXXX I am assuming this is a scam since I don't have a PNC account XXXX I have not " contacted '' the XXXX number
Complaint sub-issue: Information belongs to someone else

This complaint has been submitted several times I've complained about being a victim of identity theft. Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX  I XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Complaint sub-issue: Information belongs to someone else

I have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXX corporate ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Complaint sub-issue: Need information about your loan balance or loan terms

In the past, I filed complaint against ( Pennsylvania Higher Education Assistance Agency ) about the consolidated loan term that I never agree with and the borrower has never signed the loan documents and I am wondering how they did without the borrower 's consent. So I need to have all documents relate to the consolidated loan term.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Their investigation did not fix an error on your report

As I, XXXX XXXX have previously notified XXXX  and Equifax, that I am a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX XXXX  and the consumer reporting agencies. 
XXXX XXXX These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter
Complaint sub-issue: Their investigation did not fix an error on your report

i have been disputing with equifax for several months about an account that was fraudulently opened on my credit profile. the account is with XXXX. i attached my ftc affidavit as requested and equifax continues to say the account is verified to be mine/accurate. this account being reported as a charge off is damaging my credit and is preventing me from obtaining lower interest rates on future lines of credit! equifax did handle this investigation properly and also violated the fcra by not deleting the account from my credit report. this has caused so much emotional distress!
Complaint sub-issue: Information is not mine

To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : Name of Company Date of Inquiry Type of Business XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XX/XX/2016 XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax has failed to properly secure more than enough information needed to steal my identity and left it vulnerable all in one place. After this they failed to notify me of it for 30 days. I have not ever used Equifax directly however they still have all my personal information and have failed to secure it.