Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Subject : Request restoration credit score To Whom it May Concern, On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX Dealer, on XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount of {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at 50 miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for one month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX, XXXX, within 9 days of purchase. I cancelled the insurance ( XXXX ). As XXXX Car Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to XXXX. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York. 
In a letter dated XX/XX/XXXX, Addressed to me XXXX XXXX has the vehicle. I want my credit scores restored because it has hurt me. I had a credit score of XXXX to XXXX, XXXX points to XXXX and XXXX points to Equifax. There's inaccurate information on my credit report. I don't have late or missing payments, I paid my bills always on time. I keep my credit utilization ratio below 1 %. My credit limit has not decreased. I don't apply for credit cards. I have no derogatory mark on my credit reports. Why did my credit score drop? Seeing my credit score drop it May cause me some anxiety. It's for this reason I take this action to get my scores back up. I demand these inaccurate information be corrected immediately for ligation due to the stress you cause me. 

I am writing to you to dispute all these remarks of correcting a mistake on my credit reports from all my explanations given, I am required to investigate on my dispute. Because there is a mistake on my credit reports from XXXX XXXX which caused all these damages on credit score.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. IT HAS BEEN PAST 30 DAYS. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Other problem getting your report or credit score

Im having so many problems with Equifax its kind of sinister at this point. I think equifax may have created a new file and I need it merged if they created a new file for XXXX XXXX XXXX instead of posting it on my existing file. I have called equifax several times and they act like they cant speak to me they keep putting this math question how much XXXX its a very very irritating stall method purposely to get you to fail security questions and they give you a time limit as well. Its a very very unfair tactic to try and stall you to collect information I bypass experian and XXXX. XXXX has done everything I asked and I appreciate them much ( removed address ). I need my file merged I contacted multiple sources on this before even when equifax told me to contact XXXXXXXX XXXX XXXXXXXX and I did now they are telling me to contact Equifax this is all a very very sick game no one has the time or money to waste. I just want XXXX XXXX XXXX address removed and my real estate loan reported I can not afford to waste time with back and forth calls, cat and mouse, this is unacceptable.
Complaint sub-issue: Didn't receive enough information to verify debt

I did not authorize to consent nor benefit from the listed account ( XXXX ). Block and Remove
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I made charges on my TCF debit card. TCF posted three of the charges on the XXXX and three of the charges on the XXXX. Also on the XXXX I made a XXXX XXXX dollar cash deposit. TCF only made XXXX of the XXXX XXXX available. Causing four overdraft fees of XXXX each. The remainder of the XXXX XXXX would be released the following day. 
First of all " who holds cash deposits ''. What is the reason? If TCF would post in real time I would have no overdraft fees. Instead they post in what ever order gets them the most fees. Something they have already been sued for. They have been doing this to me since I opened my account. They should be stopped!
Complaint sub-issue: Information belongs to someone else

I contacted Equifax and informed them the following is not correct. The information is still reporting incorrectly. 
I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that I have no knowledge of the origin. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following accounts are NOT my accounts, please remove from my report XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX I requested a block and cease from reporting and they failed to do so : Please block and cease reporting the following accounts and inquiries. The report is not accurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I entered a consumer credit transaction with FED LOAN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. FED LOAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; XXXX XXXX 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: Account status incorrect

The following CITICARD opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXXwhy now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : CITICARDS CBNA Account Details Last Reported XX/XX/XXXX Creditor Name CITICARDS CBNA Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Other problem

There was a nearly {$3000.00} USD overpayment pending on my Citi credit card for nearly 1.5 months. I requested this be processed and refunded to me on XX/XX/20. After 3 follow up phone calls, I still do not have the refund or any evidence it is pending with my bank, to which we set up the refund to be deposited as an ACH. It is now XX/XX/20, outside the required 7 days for this to have been processed and sent to me.
Complaint sub-issue: Their investigation did not fix an error on your report

AES response to my dispute : " Initially, AES was authorized to apply a period of National Disaster Forbearance to your FFEL Stafford Loan from XX/XX/XXXX through XX/XX/XXXX. Following the forbearance period, monthly installments of {$59.00} resumed on XX/XX/XXXX, XXXX " -I 've been receiving bill statements since XX/XX/XXXX through XX/XX/XXXX ; therefore, there was no forbearance placed on this account during " XXXX '' as AES claims. I have documentations proving this ; they will be submitted. 

Government laws regarding this type of loan and how AES did not abide by it : " Today, the U.S. Department of Education ( Department ) announced an expansion of the pauseon federal student loan interest and collections to all defaulted loans in the Federal Family Education Loan ( FFEL ) Program. This action will help more than one million additional borrowers burdened by debt during the XXXX19 emergency. Today, the Department is announcing that it will expand the 0 % interest rate and pause of collections activity to XXXX XXXX borrowers who defaulted on a privately-held FFEL Program loan. This action will protect more than XXXX borrowers who were at risk of having their federal tax refunds seized to repay a defaulted loan. This relief will be made retroactive to XX/XX/XXXX, the start of the COVID-19 national emergency.

The Department will work to automatically return any tax refunds seized or wages garnished over the past year. Borrowers who made voluntary payments on any of these loans during the past year will have the option to request a refund of those amounts. The Department will also work with the guaranty agencies, who hold these defaulted FFEL Program loans, to implement the 0 % interest rate for these borrowers. 

In addition, any of these loans that went into default since XX/XX/XXXX, will be returned to good standing. The guaranty agencies that hold those loans will assign them to the Department and request that the credit bureaus remove the record of default. 

This action builds upon steps already taken by the Biden-XXXX  Administration to help federal student loan borrowers. Those steps include pausing student loan interest, repayment, and collections activity for tens of millions of borrowers with loans held by the Department through XXXX XXXX, XXXX. '' https : //www.ed.gov/news/press-releases/department-education-announces-expansion-covid-19-emergency-flexibilities-additional-federal-student-loans-default AES response : However, EFS recently authorized AES to apply a Disaster Forbearance to the loan from XX/XX/XXXX through XX/XX/XXXX. This adjustment was completed on XX/XX/XXXX. 

-WHO IS XXXX? WHAT DOES THAT STAND FOR? WHY WAS THIS JUST APPLIED ON XX/XX/XXXX WHEN IT WAS SUPPOSE TO GO INTO EFFECT ON XX/XX/XXXX???
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have been a loyal Best Buy consumer since XXXX ; In late XXXX I applied for Best Buy credit card. I was offered {$1000.00} credit limit ; and I made very few purchases, and was mindful of credit limit. I've called on 2-3 times in XXXX ; and again in XX/XX/XXXX and again on XX/XX/XXXX ; and spoke with customer service Rep. XXXX and supervisor who identified himself as XXXX. Both agents for Best Buy admitted on a recorded line they realize I was not receiving *invoices for payments due, additionally Best Buy some how had an incomplete mailing address to me/consumer. I immediately requested a review of the account, Best Buy said they corrected their records. However, upon further review I noticed my Credit Card limit reduced from {$1000.00} to {$430.00} ; I am not getting a clear answer why my credit report has been ran, when I did not authorize for anyone to run my credit reports. I do not think it is fair my credit card limit was decreased, especially if I did not receive notice by mail nor email. And Best Buy has not factor in Covid Pandemic and USPS delays etc. This is poor customer service ; Best Buy is showing me they do not value loyal consumers nor their credit card members. Furthermore Best Buy has failed to inform me of any changes to conditions and terms ; if this is their new business practice.
Complaint sub-issue: Can't get other flexible options for repaying your loan

When I signed up with XXXX, they told me and my mother that the payment was only {$50.00} a month and that it would come due 6 months after I graduated. That was a lie. It was like {$350.00} a month and no way near {$50.00}. Back in XX/XX/2009 I was supposed to graduate from XXXX XXXX XXXX. Well I took the classes as they were given to me. Even when I had a professor sleeping in class, snoring away. Plus another let go for not being certified because her credentials we're bogus. Basically wasting my time and credit hours. Graduation came around I realized that they didn't give me enough classes in time. Again, I thought the school would know when I graduated. So I went on for 3 more months. Even changed campus from XXXX/ XXXX to XXXX . Well I was told at the school when I signed up that repayment was to come due, 6 months after graduation. Well XXXX was only 3 months after. When I was to sign off on my degree in accuracy, they gave me the wrong degree, they didn't seem to me to be too professional. Three months, before I got to walk down the aisle at graduation I was called about being behind on loans. I mean 5 to 8 times a day, 7 days a week beyond graduation, for almost a year and a half. Which is harrassment. I almost sought legal action. So after graduation the economy was bad in 2009 and I was struggling to pay them. I paid off what I could. I had 8 loans and I paid off 2 of them. Then my parents had another loan that I had to pay. They ruined my parents credit because of that loan. So my parents took care of that one. Now I had five loans left best I could count. I was struggling because of no work, then my car broke down. So I put it into forbearance. I tried to pay back what I could. At this time I was looking for work and found out that XXXX XXXX was not excepted by employers because they considered it not reputable. So every job I applied to I was turned down in my field of XXXX XXXX. So I tried to look for work and it became hopeless. I am now just a blue collar guy working in retail stores. Here is what bothers me. 1 ) They closed down the XXXX XXXX when it was found out that XXXX was fradulant. 2 ) My degree is worthless. 3 ) Now I am in debt to the amount of {$38000.00}. 4 ) I have been told by these loan people to do as much as donate plasma to pay for it. ( I'm not kidding ). 5 ) I have been turned down many times at employers because of XXXX XXXX is on my resume, and it's not an accredited institution. 6 ) Now I am supposed to pay on a loan which has changed hands so many times I don't know who owns it now. 7 ) They now are taking some of my tax return. 8 ) They have been charged with fraud. Why should I pay on a counterfeit degree? 9 ) I was not some guy who dropped out. I went to the end and graduated, with a XXXX gpa. I was on the dean 's list at least 5 times. I got a plaque for perfect attendance. Even when professors where being let go because they lied about their credentials. I think I got cheated out of an education. This is why I need forgiveness.
Complaint sub-issue: Keep getting calls about my loan

Private student loan with Sallie Mae, the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else, how can the XXXX sit by and let these cold hearted stay in business.
Complaint sub-issue: Information belongs to someone else

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.