Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue on too old debt

Man named XXXX XXXX from " the legal outsourcing department '' calls from # XXXX. Stating its in my best interest to call back, he has faxed my employer preliminary wage garnishment forms and spoke briefly with my supervisor ... If I do n't respond to item number XXXX, so they can obtain an official statement from me, they will report back to their client to initiate legal proceedings. Number to contact is XXXX. Stated in another message that there are XXXX complaints stemming from my checking account. Their office has been retained to review and prepare this file for litigation against my name and ss # with my local county ( he names my county. ) before such files can continue, we are required by federal, state as well as county law, to show we have made every attempt to contact you and afford you and opportunity to resolve the matter voluntarily ... He goes on and on reading what he 's supposed to ...
Complaint sub-issue: Problem with fees

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. 

I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account status

I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.
Complaint sub-issue: Their investigation did not fix an error on your report

Tax lien did not meet the standards implemented on XXXX/XXXX/XXXX but Equifax refused to delete the lien.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Problem with statement of dispute

Equifax send back results as verify by creditor when account has been dispose off or accounts have not been properly verify.
Complaint sub-issue: Reporting company used your report improperly

My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.comXXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.comXXXX ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

HI MY COMPLAINT IS ON EQUIFAX SUPERVISOR NAME LAMONT HE IS FROM NEVADA ID NUMBER ( XXXX ) ... HE IS VERY DISRESPECTFUL, HE DENIES ANY KINDS OF DOCUMENTATION PROVIDED TO SUPPORT MY DISPUTE. HE GIVES YOU FALSE INFORMATION BY MISLEADING YOU NUMEROUS DIRECTIONS. BUT ONCE TRYING TO GET THE DOCUMENTATION HE NEEDS YOU END UP NO WHERE BECAUSE HE LIES JUST TO GET RID OF YOU I AM A VICTIM OF IDENTITY THEFT AND I'M BATTLING XXXX FROM BEING VICTIMIZED HE DOESN'T TREAT SITUATION FAIRLY UNDER THE FCRA LAW. HE COMPLICATES THE SITUATION MAKING IT EXTRA HARD TO REMOVE FRAUDULENT ACCOUNTS I HAD TO CALL COUPLE OF TIMES TO EQUIFAX HIS MAKING A MOCKERY OUT OF MY CASE SAYING YOUR FILE IS NOTATED I CANT HELP YOU.
Complaint sub-issue: Account status incorrect

I WANT TO OPT OUT ASAP OF EVERY CREDIT BUREAU OR XXXX XXXX XXXX THAT HAS MY NAME AND INFO IN IT
Complaint sub-issue: Need information about your loan balance or loan terms

I would like to know if the temporary changes to the Public Loan Forgiveness Program mean than I now have enough payments to qualify for federal student loan forgiveness through the Public Service Loan Forgiveness program. My loans are serviced through FedLoan Servicing. 

Currently, I have 105 qualifying payments toward the 120 payments needed for loan forgiveness. However, a change to how forbearances are treated for PSLF forgiveness may mean that I *do* have enough qualifying payments. 

The Department of Education will be conducting a review of all accounts this fall. However, I would like to find out sooner if possible. The reason is that I'm not working, and I need to know whether I should be applying for a temporary job with a nonprofit or government agency ( if I need 15 more qualifying payments ), or if I do have enough qualifying payments and can look for other types of employment. 

On XX/XX/XXXX, the Department of Education announced they will be conducting a one-time account adjustment to count certain long-term forbearances toward PSLF loan forgiveness ( link to press release below ). The adjustments only apply to forbearances of *more* than 12 months consecutive, or 36 months cumulative.

According to my account on the Dept. of Education website, my student loan account was in forbearance starting XX/XX/XXXX, then entering into repayment on XX/XX/XXXX -- more than enough months to satisfy the 12-month minimum and the 15 remaining qualifying payments. 

However, there was a three-day period in the middle where it shows I was in repayment ( XX/XX/XXXX - XX/XX/XXXX ), though I did not make a payment. I would like to find out if the 3-day " repayment period '' will split the forbearance period into 2 forbearances, neither of which would meet the 12-month minimum mentioned above.

Could you find out from the Department of Education whether they will treat it as one long forbearances or two shorter forbearances?

A representative from FedLoan Servicing said that because the forbearance happened during only one month ( XX/XX/XXXX ), and because the forbearance was so short, she thought it would be treated as a single forbearance. Also, the press release said the adjustment " will count forbearances of more than 12 months consecutive '' - and going by the plain language, I was in a forbearance during more than 12 consecutive months. 

Thanks so much for your help, and let me know what more information you need from me. 

XXXX XXXX from Dept. of Education : https : //www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs
Complaint sub-issue: Account information incorrect

Hello, I have my several attempts to contact fed loans, I have written several letter that has gone unanswered, called numerous times and emailed the ceo and nothing has changed or been updated. I was under the unemployment deferment program due to being hospitalized and I had no income coming in, fed loans still reported my loans late and caused my score to decrease over 200 points. Which has resulted in me not being able to be approved for housing due to having low credit score as well as recent late payments. I have until XX/XX/XXXX to find a place to stay with the recent late payments and low credit score it will be impossible to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T EQUIFAX AND XXXX DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

( 1. ) After a second review of my Equifax credit report I've found this Hard Inquiry which I did not consent to : XX/XX/2022 XXXX XXXXXXXX XXXX Please be advised these are not " Statement Of Fact '' .. FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 15 USC 1681b [ C ] [ 3 ] ( 2 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

After learning that I was denied credit for a loan to purchase my first home in 2018, they informed me to go check my credit report and do an investigation to see if there are items on there that I dont recognize. I did that and upon checking my credit report I noticed that there were several accounts and issues that should not the there. I contacted the Federal Trade Commission and summited the identity theft letter and sent to the bureaus with no response. They never did much on it I also put a fraud alert then the freezes on my reports. Then I learn that they were a data breach within the bureaus, and I matches up to the timeline of when my accounts were compromised. I have been sending my letters certified and contacting the creditors with no responses to the real issue. I always get the that the accounts have been updated which means nothing they never made a change to anything or they verified so I sent a letter asking for how they verified and I get no response. I have been spending too much time and effort to handle an issue that they created. I just want then to fix this issue so that I can go on with my life. I expected a higher level of service from the credit bureau than they showed me these last few months with this issue and I am quite disappointed in the way and how they blatantly pushed this issue and made me the consumer feel that I was in the wrong and never summited the proof that I asked for with the letters that were sent certified mail.
Complaint sub-issue: Information belongs to someone else

There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.
Complaint sub-issue: Their investigation did not fix an error on your report

This " reporting agency '' does not do what is in the best interests of the consumer. XXXX XXXX did 3 hard inquiries that were unauthorized. I reported this immediately to all three credit bureaus, the Attorney general and the FTC. I even had to file a complaint against this scam company to the CFPB ( Complaint ID : XXXX-XXXX ). Nevertheless, they will not remove these hard inquiries from my credit report citing that people are allowed to pull inquiries whether its authorized or not specifically authorized. If this is the case, then these inquiries should not affect a persons credit score and reflect negatively on a credit report. When I call the credit bureaus, they do not remedy the problems. When I write the credit bureaus, they do not remedy the problems. Who has the best interests of the consumer? I did not authorize the hard inquiries from this scam broker and if the credit bureaus had investigated my complaint like they said they did, there would be NO evidence to support their inquiry into my credit and the inquiries would had to have been removed. A quick XXXX search will show how crooked and shady this person is. XXXX XXXX of XXXX XXXX XXXX was not authorized to pull any inquiries on my behalf. He has refused to respond to the CFPB, FTC, and Attorney General regarding my complaints against him and his company. Why do the credit bureaus continue to mislead consumers with regards to their investigative practices? They never investigate anything until an official complaint is launched against them.
Complaint sub-issue: Information is not mine

I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have notified cons to stop calling my place of work twice. I legally cam not speak on our recorded line regarding debt collection and I notified the representative to stop calling my place of work. This notification was on Friday XX/XX/20. Since then, I have received 5 calls from them at work. 3 of the calls were made to me on monday. So they not only wont stop calling ... but they're calling more than once in a day.
Complaint sub-issue: Investigation took more than 30 days

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Complaint sub-issue: Received bad information about my loan

I recently contacted Discover because I was behind in my student loans and wanted to catch up on the payments. After speaking with a Discover representative I was informed I was not able to refinance my loans and discover does not do settlements or work with outside companies. After doing online research I learned this was a lie and the representative was only telling me the company does not do refinancing or settlements so I could keep making monthly payments and not seek a lower interest rates. After calling back and informing the representatives on this matter they transferred me to an account specialist who informed that in fact Discover does do refinancing. After speaking with the account specialist she informed me that in order to refinance a loan you must pass a credit check and have a good payment history, but this is clearly a way to keep you from being unable to re fiance, because if you have not paid your student loans, you credit is effected and you do n't have good payment history ; thus you will not be able to pass there credit requirements and not be able to refinance ; thus you have keep paying higher montly payments and charging more interest. I want to file this compliant for the reasons listed above ; In addition, I get called by Discover on numerous occasion as early as XXXX and as late as XXXX and when I am informed them of the situation they transfer me to another department. I am usually on the phone half a hour at a time, just to tell them I spoke with a representative earlier in the day. This company has lied to me about there policy 's and procedure 's, and calls me non stop.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Complaint sub-issue: Old information reappears or never goes away

I THINK TO SAY WITH CONFIDENCE THAT NONE OF THE THREE ( 03 ) CREDIT REPORTING AGENCIES ARE QUALIFIED. I AM CERTAIN IN GOOD REASON ( S ) IN-WHICH I CAN, WILL & AS I WILL NOW DO SO & SAY BEING YOUR PATIENCE LISTEN ME PLEASE?. 
I HAVE AS I AM MAKE MY PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH & MORE THAN AS WELL OFTEN & AT SAME TIME PAYING MUCH ATTENTION MY LIMIT 'S & RATIO 'S MATHMATIC IN CONSCIOUS EACH & EVERY MONTH AS WELL " ALL '' PAYMENT 'S, EXACTLY W/PROMISE I HAVE/I AM. 
SINCERELY, XXXX