Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

I 've been paying a student loan since XX/XX/XXXX. The original total loan amount on XXXX/XXXX/XXXX was {$17000.00} ( {$5800.00} & {$11000.00} ). I was consisted through XXXX XXXX had some financial issues, my loan went into default, corrected that and by XX/XX/XXXX was paying my loan consistently. Throughout my loan repayment, more money has been going towards interest than the principal. Prior to default in XX/XX/XXXX, I paid a total of {$7500.00}. After default, my balance was {$14.00}, XXXX. Payments from XXXX through XXXX has been {$6000.00} and my outstanding balance on XXXX/XXXX/XXXX was {$14000.00} prior to a {$200.00} payment. After this payment my balance is now {$14000.00} more than it was after my default in XX/XX/XXXX. Only {$60.00} went towards my principal. Please help me get out of this situation. I 've paid a total of {$15000.00} towards my student loan already and getting nowhere. It 's been 10 years of XXXX, and despite unemployment, divorce, salary cuts, and now a child in college my loan is still not paid because Nelnet is not distributing most of the payments towards the prinicipal. If you look at the documents attached of screenshots, for some month nothing goes towards the principal or like last month only {$1.00}. Please help me, I work as a teacher, my salary has been slashed or frozen for the last 5 years, and currently XXXX and now have a son in college. I have XXXX a total of 3 years at a XXXX. I 'm also very worried about saving for my retirement. This has been never ending and worrisome. 
During my default, I filed a complaint to CFPB and received assistance and would like assistance for this issue which contributed to my default.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive submitted several disputes about unverified accounts on my credit report theyve sent no proof that the accounts were mine. Ive sent several disputes to XXXX on these accounts and theyve never sent me any proof they were mine. There are also unverified late payments on an account that theyve sent no proof of me ever being late. Theyre in violation of the FCRA. Accounts in question : XXXX XXXX XXXX  ( there are three of them ) Late payments : XXXX XXXX XXXX XXXX. You guys recently said that this dispute was fraudulent so Im providing my photo ID to prevent any further confusion. I will expect a thorough investigation into these matters as there hasnt been a fair process beforehand.
Complaint sub-issue: Information belongs to someone else

I filed my Complaints # XXXX, XXXX, XXXX but when I checked it, I discovered that you have closed my complaints. Again, this is my 5th attempt that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. I sent letters to Bureaus on XX/XX/XXXX to remove these items but no response until this day. Please block the reporting of fraudulent items in my credit file that resulted from the alleged identity theft Per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive reporting of 5 accounts and mistaken identity of wrong personal information.
Complaint sub-issue: Problem accessing account

I am trying to link my debit card to a third party account called XXXX  but it is giving me a screen that states " PNC has made a change that prevents you from being able to link your account ''. I have done everything i can think of to resolve the problem and no one can help me.
Complaint sub-issue: Debt was paid

I reached out to Avante USA requesting proof of ownership of the debt and offer to fully pay if they could proof I was the real owner of debt and would agree to remove if paid. They did not provide proof I was the owner. They said the account would be removed if paid in full. I paid to have it removed. They have not removed the debt. It is still effecting my credit score and preventing me from get a mortgage.
Complaint sub-issue: Trouble getting information about the card

Hi I buy a prepaid gift card from XXXX XXXX and I add {$500.00} in that card, but when I check balance in that card showing only XXXX, and I am calling help line no one is helping me I send by fax card detail and receipt proof of add {$500.00} but no one up to date contact me, whenever I called help line only saying apologies but no one help me and I saw review about this gift card all peoples are suffering look like this company is scammer and fraudulent
Complaint sub-issue: Account status incorrect

I hold a mortgage with XXXX loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and XXXX loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.
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, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Complaint sub-issue: Information belongs to someone else

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Complaint sub-issue: Reporting company used your report improperly

Hello : This is in regard to the Equifax Security Breach. I used the impact to my credit feature on their website in order to determine whether I was impacted by the recent security breach.
The results came back as follows : ************************************************************************************************ Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX.
Enroll For more information visit the FAQ page.
******************************************************************************************** My credit is frozen with all three credit agencies. I called Equifax twice ( at XXXX -- their dedicated breach customer service line ). The first time, I was disconnected after a long hold. The second time, I gave up after a long hold.
If my credit was frozen, why do they believe my personal information may have been impacted? According to conventional wisdom, everyone is trying to freeze their credit, but according to Equifax ' assessment of my information from my 'frozen ' credit, freezing your credit will not make you any safer. My intent in contacting them was to confirm my information was impacted ( their wording using the work 'may ' leaves it ambiguous ). And, to learn why they believe it was impacted if my credit was frozen.
Complaint sub-issue: Information belongs to someone else

This child support was opened up fraudulently there's no stamp for court use there's no signatures and it's not notarized it's illegal and it says right to a state hearing through judicial but it's only a temporary judge and it says as of XX/XX/XXXX I owe and the other one says XX/XX/XXXX no signatures it shouldn't be on my credit report it's illegal
Complaint sub-issue: Their investigation did not fix an error on your report

As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and accounts with the physical original contract each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within ten ( 10 ) calendar days. 
COLLECTION/CHARGEOFF NEED TO BE REMOVED BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED MEANING YOU SHOULDN'T BE REPORTING OPE, NO LIMIT, NO PAST AND BALANCEAND PAYMENT STATUS. 

SEE ATTACHED ACCOUNTS :
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 deleted : XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$26000.00}
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and Equifax are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of the HIPPA release form that authorize XXXX XXXX XXXX XXXX access to my medical file on XXXX but got no reply therefore, my demands were not met, and they continue to report this account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility. 
This is the XXXX XXXX XXXX XXXX reply : " The account in question was turned over for collections XX/XX/XXXX. We received a written dispute XX/XX/XXXX stating identity theft at which time XXXX XXXX supplied us with her driver 's license. We investigated with the creditor who verified the debt and had a copy of XXXX XXXX 's driver 's license which matched. The account was marked a disputed. We will also now send XXXX XXXX verification supplied by the creditor '' ( Please Note that for the second time I have requested verification from the above-mentioned and they have not furnished me that the requested document. yet, the item remains on my Equifax and XXXX credit report )
Complaint sub-issue: Bounced checks or returned payments

Savings Account -- > XX/XX/2016 XX/XX/2016 ( US Bank ) $ XXXX {$11000.00} taken out of my Account XXXX XXXX one getting access my mail. My debit card sherifs had it while I was locked up. {$500.00} was pulled out from XXXX us bank & {$500.00} XXXX XXXX bank each day for ten days straight when I went 80 % to 100 % .. 
XXXX XXXX my ex who put restraining order on me was dating XXXX & XXXX XXXX linked to house XXXX XXXX XXXX Scamming me {$1500.00} a month supposed XXXX ( XXXX, new car, red light rent ) Apparently XXXX wanted child visitation & my parents used her bait for me go jail over or should I say XXXX. 
Meanwhile I'm new directions @ VA like guinea pig not going anywhere but bad background record trying defend my bloodline
Complaint sub-issue: Personal information incorrect

Addresses and phone numbers I've never had. Same information keeps coming back. My social security has been used for bills I've never got. I have fraud on my social security. Fraud on my workforce commissions.
Complaint sub-issue: Account information incorrect

.To Whom It May Concern, The reason for my dispute is XXXX XXXX, XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see whereXXXX XXXX, XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX, XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Information belongs to someone else

I've been disputed the fraud bankruptcy on my credit report since XX/XX/2020. The bureaus have failed to continuously failed to provide verifiable proofs showing the bankruptcy is mine let alone even initiate the investigation for the dispute. 8 months into a 30 day process and I have seen no progress. The bureaus are blatantly violation my rights under the FCRA and seem to think that there would be no repercussions. This is my last choice before I start paying a lawyer instead of the post office for certified mails.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Debt was paid

I made a payment on my Citicard account on XX/XX/2021. The payment was adequate to bring my account current. Today is the XXXX and I am still receiving phone calls about paying the bill. I received 4 phone calls yesterday for an account that is current. This is harassment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I have recently been laid off due to the COVID-19 Pandemic. I am no longer a college student and was working full time. My loans are now in forbearance which I'm grateful for. However, I was not aware that I had upcoming payments due and that I was coming out of grace period. This was due because I rarely use the email that is on file in which FedLoan sends those alerts. As a result of this, I was reported missing XXXX payments which dropped my score by more than 100 points. Once I discovered I was out of grace period I immediately got caught up on my payments and enrolled in autopay.
Complaint sub-issue: Debt was result of identity theft

IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXXXXXX XXXX  XXXX : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$500.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Complaint sub-issue: Reporting company used your report improperly

I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from Equifax, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Illinois XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts are in dispute : XXXX XXXX XXXXXXXX Account # xxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Used obscene/profane/abusive language

I received a call from XXXX XXXX XXXX or as they call themselves XXXX. I was told that I have to pay my Citibank Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called one of their offices, and spoke to a XXXX XXXX who claimed to be the COO. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX year old daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX  XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX  that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted
Complaint sub-issue: Public record information inaccurate

After multiple attempts to resolve this issue. XXXX XXXX is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.
Complaint sub-issue: Attempted to collect wrong amount

EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.