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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

Equifax Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2014 I opened an account with XXXX, I switched providers thinking everything was good with no money owed. I just created a XXXX XXXX and noticed I have a derogatory remark on my XXXX   and its affecting me to finance a house. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.
Complaint sub-issue: Didn't receive enough information to verify debt

I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
Complaint sub-issue: Information belongs to someone else

3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX {$6500.00} 2. XXXX XXXX XXXX XXXX$750.00} 3.XXXX XXXX XXXX$600.00} Please see attached FTC report and identification
Complaint sub-issue: Debt was paid

I was contacted by I.C. System, INC. about a medical debt from XXXX XXXX. On XX/XX/XXXX I went on their website and payed the entire balance listed, Which was {$600.00} by ECheck. Listed at the bottom of the confirmation page was the following statement " Once your payment is successfully processed, your account owing to XXXX XXXX will be listed in our records with {$0.00} balance ''. That amount was taken from my bank account on XX/XX/XXXX. This debt was paid off in full yet I am still receiving settlement letters. I received a settlement letter on XX/XX/XXXX and again on XX/XX/XXXX. Both letters list the balance as {$2600.00}. I am not sure why I am continuously being sent letters that claim I owe a large amount of money even though I have paid this debt. I have attached : the confirmation page on the I.C. System website that shows my payment in full, my bank statement showing I.C. System withdrawing {$600.00}, and both settlement letters I received in the mail. I assumed that the settlement letter I received four months later was a mistake so I did nothing about it. But now having received another one, I know that they are trying to scam me.
Complaint sub-issue: Public record information inaccurate

This company continues to report inaccurate information on my credit report and I have contacted them several times to remove the inconsistencies. Please review uploaded documentation a response from the creditor and remove ASAP.
Complaint sub-issue: Received bad information about your loan

Consolidated student loans thru XXXX XXXXXXXX XXXX Employed by a federal Head Start grantee for 7 years. 
Enrolled in student loan forgiveness program sending employment verification signed by my employer that qualified me for the XXXX student loan forgiveness program. 
Never missed a payment in 7 years. 
Recently told there is no record of me in this program.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Trouble with how payments are being handled

The subject of this letter is problems I have been experiencing with taking out federal loans, and millions of others will be experiencing this too. I have about {$130000.00} of federal loans for studying at University XXXX XXXX  at XXXX and XXXX University. The servicing is outsourced to a private company called FedLoan Servicing based out of Pennsylvania. 

Whenever I try to make payments beyond the minimum required, FedLoan servicing is placing me in Paid Ahead Statusthey are applying additional payments to my future interest owed, instead of the principal! Even when telling them that I do NOT want to be in Paid Ahead Status, they are not listening to my request. For example I requested an additional monthly payment of $ XXXX/month to go toward my principal, and instead they apply it toward future interestdespite my repeatedly asking them not to. 

FedLoan Servicing is making it difficult if not impossible for people to pay off student loans. On top of that, when you are in deferment, for example going back to get another degree, this deferment forces you to capitalize the interest payments on prior loans. That means my loan balances have actually increased over time, even during deferment. 

I am also requesting assistance with my particular situation, where my additional $ XXXX/month payments havent been applied toward my principal. Despite paying off student loans for the past few years, my total balance continues to increase! 

Specific action items : 1. I have asked by phone, and via email, to have my $ XXXX/month additional payment only be applied toward principal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have claimed to fix this, but never do! 

2. Payment on XXXX- why was none of the {$470.00} applied toward principal? 

3. On XX/XX/XXXX, there is an unexplained capitalization of {$5100.00}. There is barely any explanation of where this amount came from, and how they decided to add it to my total balance. Because of the insufficient explanation, I am requesting this amount be deducted. Also I was never notified of this capitalization at the time it happened. 

4. On XX/XX/XXXX, another unexplained interest capitalization of {$2100.00}. There is no sufficient explanation and I was never notified at the time of this happening, so I am requesting this amount be deducted from my balance. 
- Sincerely, XXXX XXXX, XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax reported two different bankruptcy. I disputed the two items and they were deleted on XX/XX/2018 and they turned right back around and put back on my credit report. They said they verified with the bankruptcy court but I have a letter from courts they do not verifty any information with credit bureau or third party companies
Complaint sub-issue: Other problem getting your report or credit score

Equifax on XX/XX/2021 mail me a letter saying they unable to locate my credit file. asking me make a copy of pay stub or social security card or W-2 Equifax is updating my auto loan and credit cards on credit file so why so many games. I'm also filing a complaint with US Attorney office in regards to the issue with Equifax issues Equifax will not send a complete full report with all the pages to my credit file. I did not ask for no credit score i ask for a complete copy with all the pages of my credit file.
Complaint sub-issue: Information belongs to someone else

the following account such as XXXX and XXXX account, closed account with XXXX balances are reporting under my name, these are inaccurately reporting under mine, i have never had any XXXX   or XXXX account, equifax is not cooperating and is very much stubborn to have these two inaccurate and fraud account removed from their credit reports. please you are my last hope to have these inaccuracies fixed and removed from my equifax reporting. 
i will be attaching the documents such as the FTC reports and the police reports, same paper which i provided the equifax as well, they are not even disputing and very much on my nerves .appreciate your help in this matter thanks
Complaint sub-issue: Received bad information about your loan

I have an Income Based Repayment plan for my loans. I was directed to re-certify my income in XXXX, which I did using the online system to connect my loan servicer directly to the IRS. I received no confirmation or other communication throughout the month of XXXX and XXXX until XX/XX/XXXX when {$1700.00} was pulled from my checking account ( my usual payment is {$130.00} ).  This draw will make it so that I can not pay my rent and may be evicted. This is the second time this has happened with Nelnet and Department of Education loans. How hard would it be to at least let someone know/confirm before drawing over 100x the usual payment? This shouldn't be allowed with auto-payment, it is predatory and in the end, if my problem is fixed and the payment refunded, or if I end up homeless and bankrupt it will only hurt the company that's not going to receive future payments and will have to pay their employees to spend hours with me on the phone trying to fix this. I went through a similar situation a few years ago that was ultimately resolved but a huge waste of my time and emotional well-being as well as the company 's time and money.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/2020- my car was deemed a 'total loss ' by my insurance company. I contacted Ally Financial regarding this and they let me know that my XXXX XXXX ( also provided by Ally ). My insurance company provided a settlement payment for the majority of the remaining loan, while the remaining was submitted to the XXXX XXXX XXXX. 

My XXXX claim was denied, not once but several times. I have spoken with my insurance company - as I was not provided a police report from this accident - to provide Ally XXXX the correct " Statement Of Loss '' letter. They ( my insurance ) informed me they had called, received calls, and emailed over forms and letters on multiple occasions. 

As I have been going back and forth with Ally, and Ally XXXX for the last XXXX to XXXX years, they have now sent this account to collections. Which I have been attempting to dispute. As I have all required documentation and have provided it on multiple occasions, via email and XXXX.
Complaint sub-issue: Information belongs to someone else

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is fraud.
Complaint sub-issue: Information belongs to someone else

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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: Indicated shouldn't respond to lawsuit

XXXX XXXX filed a docket on me at the XXXX Couty court house XXXX XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents
Complaint sub-issue: Debt was paid

Hello, This account was not late in XX/XX/2022. It was paid on time. Please update in Credit bureaus.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 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. 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. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Information belongs to someone else

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX  # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions XXXX15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than XXXX XXXX15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Complaint sub-issue: Sent card you never applied for

I received a letter from the XXXX XXXX XXXX department saying they could not issue me a credit card -- I had never applied for a XXXX XXXX card. Yesterday, I received in the mail, a credit card from US Bank -- I had never applied for. I called the security department of both of these entities and told them that I did not apply for the credit cards. Whomever applied has all my personal information including address, social security number, dob, etc. The only thing they didn't use was my correct email address. The companies could tell me that the applications were made on line and used a XXXX e-mail account ; which I do not have.
Complaint sub-issue: Personal information incorrect

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX SXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX