Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, XXXX, and XXXX and Lexis Nexis about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX and XXXX XXXX of money lion, botj handled this dispute. Initial conversation via email warranted push back and disregard for my details toward complaint. As stated, 22 plus payments were made without issue to this company. At a point their company deemed my checking account ineligible for payment toward my account with them. A default selection was not offered nor were my attempts to utilize other methods of payment. I explained this that their was an issue on their end. Im XXXX I received a debit card from a company called XXXX in which I was successful making two payments on the third my payment was blocked again. I explained this several times to both XXXX and XXXX XXXX. 

I was given a basic response & disregarded after. They sent my account to charge off without resolve. Poor communication and customer service.
Complaint sub-issue: Reporting company used your report improperly

ONCE AGAIN U.S. BANCORP VIOLATES EVERY CONSUMER LAWS ON THE BOOKS. WE HAVE 11 CLASS ACTION MEMBERS TO WHOM FEEL THE SAME. 
CHRONIC " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Complaint sub-issue: Was not notified of investigation status or results

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have files a compliant with federal trade commission because of my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2022 I logged in to myfedloan.org to view my loan information plan for repayment. These loans were automatically put on forbearance for COVID-19, and even though mandatory repayment is resuming they are not providing several pieces of crucial information about my loans. 

They do not provide the interest rate. It is listed as 0 %, which I understand is from the forbearance, but there is no information listing the actual interest amount. 

For each loan they list " IDR Forgiveness Payments Made '' listed at XXXX. The following message is provided in a help modal : " If your loan is on an Income-Driven Repayment ( IDR ) plan, this is an estimate of your forgiveness payments made, which will be validated as you approach forgiveness. For more information on forgiveness and the amount of payments needed, visit https : //studentaid.gov/manage-loans/repayment/plans/income-driven. '' This is not acceptable. It should be displaying each payment from the start, especially in light of loan servicers ' record of losing payment record and information. 

I can not find full terms for my Pay As You Earn ( PAYE ) plan on the website. I have only heard from third-party sources that forgiveness occurs at the end of the repayment term of 20 years, but I have to pay taxes on the forgiven amount as if it were income. Nowhere on the site tells me this, nor how much that amount could be. I can not calculate this myself either, as they have interest rates listed as 0 %. 

I have called the organization and been on hold for an average XXXX hours, only to have the call dropped 3 times.
Complaint sub-issue: Debt is not yours

Carter Young has an account from a dorm where my daughter lived when she attended college, but left owing when she quit school. The debt is listed as a joint responsibility on my credit report. I have requested from Carter Young to send me documentation with my signature on supporting documentation and the flat out refuse. I spoke to 3 managers today and each one refused to send me the documentation. Not only that, but they will not allow my daughter to make payments. So each time we save up the money, then attempt to make a lump sum payment, the amount increases by {$100.00} or more. The original debt, was {$700.00}, but is now up to {$4300.00}. Which, in my opinion, seems excessive. The last I spoke to them today, they told me the only way to pay now is via XXXX XXXX, which I have never heard of using to pay a debt. They also refuse to send a letter once payment is made showing the debt is paid. Also, their website has been blocked from us making a payment via online. This company has a very bad reputation and if you view other comments, others have had the same situation happen to them as we are having now. Again, they have refused to submit any documentation with my signature showing responsibility for this debt. My daughter has told them it is her debt and not mine, but they still refuse to listen. Can you pleas assist me. I truly believe their business practices are unethical. Thank you
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Complaint sub-issue: Information belongs to someone else

I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been XXXX months. These accounts do not belong to me.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 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 I have uploaded all of the proper documentation to support my claim.
Complaint sub-issue: Account information incorrect

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. XXXX is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and Equifax is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between XXXX and Equifax / XXXX. High Credit Amount is different between Equifax and XXXX / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX XXXXXXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for XXXX, XXXX is showing XX/XX/2022, and Equifax is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.
Complaint sub-issue: Account status incorrect

I am in the process of applying for a mortgage and this is affecting me big time. I have spoke to SEVERAL Customer Service Representatives in regards to my account reporting with a 30 day RECENT late pay. My account was never late and I informed PNC on multiple occasions that I would be on XXXX XXXX from XXXX until XXXX. I asked if they had any way to protect my account while on leave and they told me that since it is a secure card they don't have any card protection they can offer BUT they would notate my account and I would not be accessed any late fees or have any late payments reported. THEY STILL REPORTED MY ACCOUNT LATE AND ASSESSED LATE FEES of {$35.00} on XX/XX/XXXX ; {$35.00} on XX/XX/XXXX ; {$25.00} on XX/XX/XXXX which total {$85.00}. I spoke to a customer service rep on XX/XX/XXXX and she refunded me 1 late fee of {$35.00} and it posted to my account but then they turned right around on XX/XX/XXXX and charged me a late fee of XX/XX/XXXX. I have NEVER been LATE on this account and I even properly communicated my entire situation with giving birth to my son on XX/XX/XXXX and they STILL put a late payment on my credit report when it wasn't even late. Please update all 3 credit bureaus reflecting NO LATE PAYMENTS and my account as PAID AND CURRENT. Refund me the late fees that were posted to my account.
Complaint sub-issue: Information belongs to someone else

It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Complaint sub-issue: Received bad information about your loan

XXXX  XXXX XXXX has misinformed me about my loan for the life of the loan which originated in XX/XX/XXXX. I was not made aware of various forgiveness programs that would have significantly reduced high payments/ interest. Instead I was ALWAYS advised and encouraged to place my loans in forbearance. Recently, I have tried to reduce my payment and was given the run around by XXXX  XXXX XXXX to the point where I hired a third party student loan advisor that provided me with much more information about the government programs that were available to me, something the Fed Gov has enlisted XXXX  XXXX XXXX to do. Due to their inept mismanagement of my account. I have accrued alarming interest rates on what once was a modest loan. Just one example of this is while being given the run around to be placed on an affordable payment plan via a programs available, I was charged {$25000.00} in interest between XX/XX/XXXX - XX/XX/XXXX ( Yes that's one month ) which seems virtually impossible when you consider my original loan amount was for XXXX back in XX/XX/XXXX. I have been repeatedly lied to in an effort to tack on the erroneous capitalization of astronomical interest rates. The most recent case of mismanagement and fraud from this company is a XXXX opt -out fee I agreed to pay with my debit card to finally get on an affordable repayment plan program, that I have been trying to get approved since XX/XX/XXXX. ( during which time my credit score significantly dropped and XXXX interest accrued. ) This company not only charged me XXXX but also charged me {$280.00} an amount that I did not authorize. I called them and the rep has no idea why I was charged that amount ... If I had not caught this fraudulent charge I would have taken the hit ... meanwhile I spoke to a supervisor who had to of saw the charge and mentioned nothing about it. I would like for the CFPB to look into this matter for me because what XXXX  XXXX XXXX is doing is completely predatory and criminal.
Complaint sub-issue: Their investigation did not fix an error on your report

Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX tarnished my credit score my sending an inaccurate account to Equafax stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of XXXX, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

XXXX  refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report. 

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I have a student loan with National Collegiate Trust that is being serviced by AES ( American Education Services ). I filed for co-signer release on XX/XX/XXXX and still have not received any response as of today XX/XX/XXXX. AES states they have not received any response from the lender and that I can not contact the lender directly as AES is the servicer and NCT will not speak to me directly about my account. AES has re-submitted the request today but stated they can not guarantee that I will get any response to the second request either. It is outrageous that these companies are allowed to operate in this manner and completely ignore consumer requests while blaming each other for the inaction.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have recently had my identity stolen and used to fraudulently apply for unemployment benefits. I reported this to the Illinois Department of Employment Security, and they helped me with that issue. A few days later, I received a credit card in the mail from a company called MoneyLion. I have tried to call to close the account and get more information about how it was opened in my name, but I am routed through an on-hold system and unable to reach anyone there. I want to close the account and make sure that no loans were taken out in my name, and that no fees have been assessed to the account in my name.
Complaint sub-issue: Old information reappears or never goes away

I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from 2003. IRS has garnished taxes to pay balances yet they are still being reported.
Complaint sub-issue: Their investigation did not fix an error on your report

i was denied an apartment because of wrong information reported on my XXXX  report and XXXX  credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX  XXXX and XXXX i spoke with the credit agency national credit and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...
Complaint sub-issue: Didn't receive notice of right to dispute

I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XXXX XXXX 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: Attempted to collect wrong amount

Over the past few days i have been getting calls from unknown numbers and even voicemails back to back to back. Even family members were harassed by these people attempting to collect a debt. They are using unfair tactics, threatening me with court, threatening to take my wages, threatening to take funds from my bank account, even the last call threatening to " send my case upstairs for failure to pay ''. This total visa card is a closed account on my credit report apparently from almost 6 years ago. The person on the phone when i called them asking them why they are harassing my family members which i am sure is against the law, the man told me that " because the statute of limitations is about to expire we are trying to collect on an old debt '' Worst is that i XXXX the card type and apparently the credit limit is XXXX with a whopping almost 35 % APR. This apparently is issued by the XXXX XXXX XXXX. I honestly do not remember ever applying for a card with that high of an APR as that would be a financial loss to me even if trying to repair my credit. My mom did not raise a fool and i would never agree to that. I am a victim of identity theft foremost and i tried to explain that. The guy on the phone come telling me that with fees, court fees, etc i would have to pay more than XXXX which i do not have. How can a credit card with a XXXX limit equate to more than XXXX? And worst the guy was rude and unprofessional and i find it strange how he claimed " My client will waive the XXXX in attorney fees and some other fee and me pay like XXXX k '' Something seems shady. They even had someone with an XXXX accent threatening me to send the cops to my house and that is illegal. I can not be arrested for a debt. I think this company is practicing shady collection tactics and i am not happy about this. I fail to understand how they know there was a pandemic and they are trying to keep people in debt. it is wrong.