Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you XXXX more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have XXXX days to CORRECT this account listed below : XXXX XXXXXXXX XXXX Date Opened XX/XX/16 Balance $ XXXX Late Date XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX  XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
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 {$11000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened onXX/XX/2017 with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

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: Information belongs to someone else

XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.
Complaint sub-issue: Information is missing that should be on the report

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX equidaz credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}
Complaint sub-issue: Frequent or repeated calls

They call way too often, even after we advise them when we are going to pay them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Acct # XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert XXXX XXXX XXXX XXXX entered a derogatory collection account due in the amount of {$340.00}. In result of Equifax dispute, XXXX XXXX XXXX back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. XXXX XXXX XXXX XXXX is not in good standing in the State Of Maryland.
Complaint sub-issue: Having problems with customer service

This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.
Complaint sub-issue: Other problem

On XX/XX/2019, I made a payment of {$800.00} to my credit card with Macy 's, using a promotional 0 % offer on balance transfers check authorized/issued by Citibank on my Citi XXXX XXXX XXXX ( XXXX XXXX. 
At the time I was not aware that Citibank was also Macy 's banker. 
For some unknown and quite perplexing reason, Macy 's did not present the balance transfer check to Citibank, or perhaps it did but the check was not posted to my Citi Credit Card XXXX until XX/XX/2019. Citi wrote to me saying that it could not honor its commitment to a 0 % promotional rate because the said check was not presented within the prescribed time of promotion. They would charge me the full rate ( 23.0 % =+/- ) on the transfer of {$800.00}. 
So I used another promotion offer from XXXX XXXX to clear off My Citi card balance totaling {$820.00} on XX/XX/2019. 
In XXXX of 2019, I learned that Macy 's had reversed the {$800.00} payment to my store credit card. Macy 's did not give me any explanation as to why it did so, and it did not send me any correspondence with any returned check to support its action. 
When I enquired of Macy 's as to why it did so, the customer service officer responded by saying it was my job to prove I had made the payment. She told me to get a photocopy of said balance transfer check to Macy 's as proof of payment. The CSO refused to provide any explanation as why the took the action of reversing a payment that had been honored by Citi.

Since then my numerous efforts to get Citi to provide me with a copy of the said balance transfer check has come to nought. It so happened that right after the check was posted to my citi card XXXX, I discovered several unauthorized charged to the citi card which turned out to be fraudulent. Citi agreed to reverse those fraudulent charges. In doing so it closed the card XXXX and transferred the outstanding balance of {$150.00} to a new Citi XXXX XXXX. XXXX  no. XXXX ( XXXX statement reflects this transaction. 
Citi keeps telling me they no longer have any records of the citi card account XXXX which reflected the Macy 's {$800.00} payment of XX/XX/2019. 
When my husband, who is a XXXX XXXXr, asked the Citi customer service personnel " aren't you required by federal law to keep records of accounts/transactions for 7+/- years, '' they agreed it was true. But they still insist they can not locate the old card XXXX account records and therefore are in no position to provide a photocopy of said check. 
In the course of this back and forth, we learned that Citi is Macy 's banker. 
So it appears there is some mischief being pulled upon me by both Macy 's and Citibank. The bank won't give me the proof of the check in question and Macy 's will not credit my account with them until I provide such proof. I am of the opinion that Citi tricked me into believing the check had been presented late so it could charge me the extreme rate of interest. 
Meanwhile charges and fees continue to accrue on my Macy 's account.
Complaint sub-issue: Information belongs to someone else

I purchased a vehicle from XXXX  in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business EIN in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX  will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Complaint sub-issue: Billing dispute for services

I have sent requests to both Nelnet and XXXX for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called XXXX to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX Unauthorized charges successful iconSubmitted XXXX   XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful icon
Complaint sub-issue: Reporting company used your report improperly

Equifax reports that my personal information was likely leaked in the hacking of their databanks in XX/XX/XXXX through XX/XX/XXXX. This could include my social security number, date of birth, drivers license number, etc.. I never consented for Equifax, or any other credit bureau, to collect this information and the loss of it is squarely their responsibility. I am unable to get a new SSN or drivers license number, these have been compromised and will never be safe again. It has been reported that certain leadership of Equifax sold some stock in the company before the reporting of identity theft was reported.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Keep getting calls about your loan

My problem is with Nelnet. My student loan debt has exchange lenders several times I applied for a home loan in XXXX  but was DENIED because my student loans are now in DEFAULT for non-payment. As a veteran, this information is now showing up in XXXX, which denied me for approval. 

Nelnet canceled my income-based repayment plan and found out that MY loans were NO LONGER eligible for CARES deferment under the CARES ACT. Though the Biden-XXXX Administration extended the moratorium until XX/XX/2022. 

Nelnet has been calling me DAILY, asking me to call for debt solution options, but my only option given is to repay.
Complaint sub-issue: Information belongs to someone else

VIOLATION OF 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for victims of Identity Fraud, Unauthorized Release of Information by XXXX/ Officers/ Employees to CARMAX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Denied request to lower payments

I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone
Complaint sub-issue: Debt is not mine

I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I was getting ready to apply for a car loan, I realized they weren't anywhere near me. They called and I explained this to them. I asked them not to pull my credit report, they did anyways without my approval. Then they did it again and I called them a second time. I'm trying to repair my credit and I don't want anyone pulling my credit report without my approval. Many companies does this even after you call them and keep pulling it after you tell them to stop. PLEASE help me.
Complaint sub-issue: Contacted me after I asked not to

Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.
Complaint sub-issue: Trouble with how payments are being handled

My student loans were transferred from XXXX to MyFedLoan in XX/XX/XXXX. I was in an income based repayment play with XXXX. Without my consent, myfedloan took me out of income based repayment and placed me in forbearance. I discovered this, and I called Myfedloan at the time and asked not to be placed in forbearance. However they said they were unable to do this, but that I could make the payments anyways and then submit a request to have those payments " accepted ''. I made the payments on time and submitted this request to have those payments accepted. Myfedloan sent me a letter in XXXX documenting that they were going to accept those payments. However, now, 4 years later, their system for tracking eligible payments has my payments from XXXX and XX/XX/XXXX marked as ineligible since I was in forebearance. I called about this in XX/XX/XXXX and after a long phone call they said that this was a mistake on their part and that it would be corrected. I called back several months later to check in on the status of this and they said they were working on it. I called again in XX/XX/XXXX and they said the request was never put in, but that they would put in the request now. I contacted them again in XX/XX/XXXX and they said that they were working on it, but were unable to give any time frame for expectations of completion. The system does not show that they are working on it. I can not accept that it takes more than 11 months to correct their own administrative mistake. I've been unable to escalate my concerns to anyone at myfedloan to get assurances they are actually working on it or to get an actual timeframe on how long this should take to fix.
Complaint sub-issue: Their investigation did not fix an error on your report

Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX XXXX DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I sent in letter to remove inaccurate credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit was pulled and Fed Loan Servicing reported 90 day late in XX/XX/XXXX and was reported on XX/XX/XXXX. This account was closed and transferred to a different company in XXXX. 
I called Fed Loans was told I had 11 90 day late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

My children was in college in XXXX and XXXX. I should have had in school deferment. 

My file was updated XX/XX/XXXX and I do not have account with Fed Loans
Complaint sub-issue: Attempted to collect wrong amount

the company named is XXXX Main office XXXX XXXX XXXX  XXXX XXXX  fl XXXX phone number:XXXX The purpose of this company is to collect an specific amount from your bank account each month. In my case {$760.00} each month and place the money in escrow in a bank called XXXX XXXX XXXX to pay the creditors when they got settlement They stated that if the credit card call you do not answer the phone because they are going to lied to you. 
In my case my husband answered a phone call from one of his creditors and informed him that this company has not called them or execute any kind of settlement. we called XXXX XXXX they did not answer the phones calls or put you in hold indefinitely. I have to go in person to resolve the issue. I request to receive my {$3000.00} back because they were not representing to us. The manager told me in person that all that money they are going to keep it because they were working in the accounts. they have {$120.00} administrative fee plus {$15.00} monthly service fee equal {$140.00} x four months equal {$560.00} they should return {$2400.00} they just placed back into my account {$450.00} When I called XXXX requesting my money in escrow they just saying that they return what ever amount XXXX XXXX tells them to do. I feel frustrated and robed from this company and I please ask you kindly to help me to recuperate my money
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

The credit bureaus are reporting erroneous information on my credit file
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following collections are XXXX XXXX XXXX {$42.00} which is reporting twice on my report. Both are fraudulent accounts. 

XXXX {$1300.00} is also a fraudulent account.