Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.
Complaint sub-issue: Inadequate help over the phone

I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.
Complaint sub-issue: Received bad information about your loan

Upon finding out that my current employment as a XXXX would qualify me ( as of last XXXX ) for PSLF, I submitted my employer information document. I had made sure to check every box as I was a teacher beforeXX/XX/XXXX, and was very close to forgiveness. I had the proper qualifying loan, I had counted every payment, and I was sure that I had reached the qualifying 120 payments for eligibility for forgiveness. When I submitted my paperwork, FedLoan Servicing informed me that I did not have enough qualifying payments. I went to check their payment tracker and all my payments from XXXX were disqualified because they claim that an amount was not due for those billing periods. 

I looked into my paper records and found three examples of bills from those periods with amounts due. I made those payments on time, yet they were not recorded. My guess is that when my loans were transferred from XXXX XXXX XXXX to MyFedLoans, some mistake was made in the classification of these payments. 

I included in my complaint to the company the following documentation of their records and the paper bill that contradicts their records. 

XXXX XXXX XXXXXXXXXXXX XXXXsharing The documents clearly show that not only were there bills due for the dates in question, but that I had paid them. 

They reviewed the information and replied with the following : _____________________________________________________________________ Thank you for contacting FedLoan Servicing. Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed.

You can review the details of your payment history, including all periods that we reviewed, by using self-service features at any time by signing into Account Access at MyFedLoan.org. You will find your payment count information under " Payments and Billing, PSLF Payment Tracking. '' You can also review all eligible repayment plans for PSLF and
TEPSLF, and other eligibility information at MyFedLoan.org/PSLF. 

We appreciate the opportunity to service your student loan account. 

_____________________________________________________________________ I called and the agent said " Not to worry because my loan would be forgiven eventually under the special XXXX payment waiver. '' They then closed the conversation. 

Although it may be true that the waiver will make me eligible for forgiveness, I would like my forgiveness now as my employment is soon to change, and I need to get this situation closed currently.

According to the terms of the PSLF as originally stated, my loans should be forgiven with the current number of payments as the first 39 payments of the 127 I have made have been misclassified as being ineligible payments when the documentation I've provided shows they are eligible. 

I need this situation resolved as soon as possible as my employment is set to change soon.
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Public record information inaccurate

On XX/XX/21 ; I sent a certified letter to the XXXX and Equifax disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, Equifax and XXXX both use a third-party source to verify information.
Complaint sub-issue: Talked to a third-party about your debt

Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on XXXX XXXX XXXX behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt XXXX XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act 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  ) 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 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account status incorrect

I paid the balance of XXXX XXXX XXXX XXXX on this account in XXXX of XXXX. Ive disputed this account but same results.
Complaint sub-issue: Didn't receive enough information to verify debt

IC System Inc XXXX repeatedly collecting the same amount that I HAVE DISPUTED WITH XXXX CREDIT BUREAU back on May 27the 2020 this bills with the original creditor belongs to XXXX. I disputed this account because I never have anything open with XXXX lI never have any Phone etc with XXXX Never Never had anything to do with XXXXl no past account or No previous account. 

XXXX I.C system INC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX Report number XXXX Im disputed this again with XXXX the same thing it shows Potentally Negative by XXXX even XXXXhough I disputed it XXXX reported my credit is a Potentially Negative ... how they report this uncorrected information while Im disputing this is not my account.
Complaint sub-issue: Information belongs to someone else

The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.
Complaint sub-issue: Trouble getting, activating, or registering a card

My economic impact money issued by the US government were scheduled to pay me on XX/XX/XXXX. I was told that I will receive a debit card issued by the bank ( XXXX ). Until today my wife and I don't receive cards. 
I tried numerous times call the bank ( XXXX ) but always I was disconnected because I don't have a card number ( I don't have because I did not receive it ). There are two cards issued one for me second for my wife. Both debut card should have {$1400.00}
Complaint sub-issue: Reporting company used your report improperly

1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEARS/CBNA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under XXXX, which after many phone calls, I found out it was XXXX. I called them and was told I would have to call Equifax, which I did and then was told XXXX should be helping me. Being somewhat frustrated, I talked to a fraud expert at XXXX who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.
Complaint sub-issue: Information is missing that should be on the report

Equifax is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on Equifax report from XXXX XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from Equifax, XXXX  XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.
Complaint sub-issue: Received bad information about your loan

I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

After two request Equifax and XXXX refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...
Complaint sub-issue: Debt was paid

PNC bank states to XXXX credit bureau that {$160.00} written off ; {$560.00} past due as of XX/XX/2019. This is not true, a delinquency was a delay in an insurance claim.
Complaint sub-issue: Trouble with how payments are being handled

I am the cosigner on a private student loan being serviced by Firstmark Services. The loan was scheduled to be put back into repayment status with a payment due on XX/XX/21 of XXXX due. 

On XXXX I made a payment of XXXX toward what was due. Firstmark Services continues to tell me the XX/XX/21 is NOT paid and the due date has NOT advanced 1 month. Firstmark Services considers this an overpayment, however, the amount due was paid. The servicer is in error. 


XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have made several attempts to resolve things with Equifax but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent Equifax. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.