Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later, I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my reports. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

Don't know what to do with the delay in getting back to you sooner than a decade ago when I was a kid in a few types of the best chance to win one of these things are going to have a great time in my name.
Complaint sub-issue: Debt is not mine

For the last XXXX years I have been getting collection calls for a person I do not know. The most recent of these calls was from XXXX XXXX at Allied Interstate ( XXXX ). When I asked to speak to his supervisor about this call he was unable to connect me because 'they are all busy or at lunch '.
Complaint sub-issue: Information belongs to someone else

Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the  court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX
Complaint sub-issue: Account information incorrect

I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, Equifax XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXXXXXX XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX High Credit : XXXX {$26000.00} XXXX XXXX$26000.00} Equifax- {$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
Equifax-Charged off account Auto Date Last Active : XXXX XXXX- XX/XX/XXXX Equifax-XXXX Date of Last Payment XXXX XXXX XXXX- XX/XX/XXXX Equifax-06/01/2019 The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Reporting company used your report improperly

I am a natural person, I am a living being, I have rights under 15 USC 1681..

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.I demand the rights listed below to be removed because According to 15 USC 1681. I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

Accounts .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

ftc violation on the report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX and Equifax do not allow for convenient uploading of documents to dispute errors. On multiple occasions, I've tried to upload documentation to their dispute portal to prove that there is an error on my credit report, but the system never works. The documentation can't be uploaded and, you get an error message. The error message recommends and option to file without documentation, which you can't actually provide. Then 30 days later, and as a result of not being able to upload the documentation, they side with the company showing the incorrect information. How am I to prove that the information is in correct, if I can't attach/include the documentation that would show the incorrect amount? 

The onwnus is on the customer to prove the company is incorrect. But the customer can't prove it easily and the company is not going to be truthful. Ever. You are wasing the customers time and extending the impact the incorrect information has on a persons credit report and rating.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Complaint sub-issue: Their investigation did not fix an error on your report

Earlier this year XXXX XXXX XXXX, I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I noticed that my credit score is low. I dont understand why you put this information, I dont even know these accounts
Complaint sub-issue: Personal information incorrect

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.
Complaint sub-issue: Problem making or receiving payments

Tried to make a ach payment and betterment has blocked any outside login for use
Complaint sub-issue: Trouble with how payments are being handled

Hello, My wife and I both have private student loans through Earnest and I am trying to figure out how to make principle only payments. Their website says they do not allow principal only payments in addition to regularly scheduled payments. 

Here is the web address with information : https : //help.earnest.com/hc/en-us/articles/115001345788-How-do-I-make-a-principal-only-payment-Student-Loan-Refinancing Here is the text on the web page : How do I make a principal-only payment? | Student Loan Refinancing Since all payments received on your loan will be applied to interest first, then to principal, we're unable to offer a principal-only payment option. However, by making an extra payment on the same day as your due date, the majority of that extra payment, if not all of the extra payment, will go towards your principal balance. You can find directions on how to schedule an extra payment here or review payment processing times here. 

If you're enrolled in Auto Pay, you can increase your monthly auto pay above the minimum payment amount to have more of your payment go towards principal each month. To increase your monthly Auto Pay, contact Client Happiness Team directly by clicking the " Get In Touch '' button found at the bottom of this article. 

************* I find it very odd that I am not able to pay down the principal only on my loan in addition to the regular payments. My wife and I have not missed any payments. Are their rules permissible under current law? I feel that we should be able to make additional payments to shorten the life of the loan and reduce our family debt as soon as possible. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 - I received an email from US Bank that my account was in fact in good standing and the errors with all 3 bureaus have been updated. As of today - XX/XX/XXXX - two bureaus ( XXXX and XXXX ) are both reporting that I have negative past due payments. As stated originally, these past due charges were from Fraud on the account, and they were taken care of and agreed to be fraud. This has been an ongoing issue for over a year now.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Send letters didnt respond back
Complaint sub-issue: Problem lowering your monthly payments

My payments are over {$600.00} a month with Citibank, and over {$200.00} with my federal loan. I have struggled making these payments for years. Because of the interest amount my student loan continues to grow higher instead of getting lower. My original student loan amount has more than doubled. I refinanced my XXXX XXXX private loan with Citibank and they sold it back to XXXX. I have been told numerous times that I am not eligible for any help. I was forced to resign from my position to do health complications concerning my back and have made an effort to contact XXXX several times to explain my circumstances and was told they can do nothing to help. I am now three months behind on my payments and am accruing ridiculous late fees and constant phone calls It is not possible to pay my mortgage, car insurance, utilities, buy groceries and pay back my student loans. Even when I was working full time with a XXXX XXXX I could not afford my payments but made them living from paycheck to paycheck. My payments are over {$1000.00}.
Complaint sub-issue: Account status incorrect

After dismissing an adversary proceeding XX/XX/18, I was told by attorneys including AES attorney that they would work with me regarding paying back loan. I am currently unemployed. AES only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and AES said nothing else was available. My loans went back to XXXX Bank  the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to AES on XXXX as I was advised to and was told again by AES that forbearance was not available. XX/XX/18 received letter from AES that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by AES even though they escalate the call. I was told by AES that XXXX bank didn't know that I had no options available.
Complaint sub-issue: Frequent or repeated calls

They ( XXXX XXXX XXXX XXXX are calling me repeatedly and I have blocked their number, but they continue to use other phone numbers to contact me.
Complaint sub-issue: Information belongs to someone else

two car loans are reporting under my name that are not even mine, i keep disputing these two accounts from equifax but for some reason these are not getting off of my report. these do not belong to me i have already submitted my dispute and police report to all the bureaus, XXXX  and XXXX are taken off but equifax is very much pain and not helpful at all. please i need your help as a consumer i need your help to have these two inaccurate  accounts removed from my equifax credit, please find attached my documents thank you
Complaint sub-issue: Debt is not yours

In XXXX of this year, 2021, when I was applying for a loan, my credit was ran and a derogatory account appeared on my credit report that negatively impacted my credit score. The original creditor, XXXX XXXX, a company in the state of Texas, sent the past due bill for {$83.00} to a collection agency by the name of MRS ASSOCIATES. I have lived in the state of Oregon since the age of six and have never opened an account with XXXX XXXX in Texas. I called MRS ASSOCIATES to dispute the account and I was told to send an email, so I did in XXXX, but never received a response. I feel I am a victim of identity theft and need this fraud removed from my credit report so that I can keep improving my credit score.
Complaint sub-issue: Account status incorrect

I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XX/XX/XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} , XXXX  XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, Chapter XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX Reference # XXXX Asset Amount : {$0.00}. Inquiries : XXXX XXXX, XXXX XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Don't agree with the fees charged

In 2019 I was contacted by Federal Loan Servicing and told I qualified for student loan forgiveness. I went through their application process under the impression I would have majority of my loans forgiven. It was a scam. They charged me {$8000.00} and set me up on a payment plan I can't afford. I didn't realize this practice was illegal when it happened.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am not familiar with the following inquiry XXXX XXXX XXXXXXXX Inquiry from XX/XX/2018. Please investigate to make sure there is no fraudulent activity.
Complaint sub-issue: Information is missing that should be on the report

I have attempted numerous times to add a credit card account that I am on to both Equifax and XXXX. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.
Complaint sub-issue: Information belongs to someone else

some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX XXXX rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX  XXXX XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Equifax consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Equifax, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my report.
Complaint sub-issue: Public record

I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR
Complaint sub-issue: Don't agree with the fees charged

The events commencing in XXXX when my student loan of {$34000.00} was first sold to XXXX at an APR of XXXX XXXX. I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid XXXX Notes XX/XX/XXXX XXXX {$34000.00} XXXX XXXX First known student loan statement XXXX XXXX {$44000.00} XXXX XXXX Consolidated loans XXXX XXXX XXXX {$61000.00} XXXX XXXX XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} XXXX XXXX Balance decreased for reasons unknown XX/XX/XXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} XXXX XXXX  XXXX purchased loan from XXXX XX/XX/XXXX XXXX {$64000.00} XXXX XXXX  XXXX XXXX  sold loan to XXXX XXXX, XXXX  XX/XX/XXXX XXXX {$85.00}, XXXX XXXX XXXX Incredible ! 
XX/XX/XXXX XXXX {$87000.00} XXXX XXXX XX/XX/XXXX Fed Loan Servicing {$89000.00} XXXX XXXX XXXX XXXX XXXX  assumed loan from XXXX XX/XX/XXXX XXXX XXXX XXXX {$98000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$98000.00} XXXX XXXX XXXX Nelnet {$98000.00} XXXX XXXX  Nelnet assumed loan XXXX XXXX Nelnet {$110.00} XXXX XXXX XXXX XXXX Incredible !