Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about my loan

My loan repayment, on XXXX, was recalculated by Pennsylvania Higher Education Assistance Agency for the year and they did not include my wife 's loan in their calculation causing a much higher amount to be deducted than necessary. My student loan payment for my loan jumped from {$260.00} to {$670.00}. The amount they debited however in XX/XX/XXXX was {$810.00}. My wife 's loan increased from {$190.00} to {$420.00}. This increase was due to a failure on my part to confirm her updated yearly certification. I received one email and no reminders from Dept. of Ed. to finish the process. This difference of {$800.00} is significant. I 'm working XXXX jobs to try and keep my head above water. My salary as a federal attorney has lost ground when compared to health insurance premium increases and property tax increases in XXXX County, MD. I work part time on the weekends at XXXX XXXX, but that additional income only increases the amount I 'm expected to pay on my student loan, creating a vicious feedback cycle. I 've recently taken a XXXX job as a part time tribal judge. With a XXXX child XXXX, XXXX XXXX not counting my work hours at XXXX towards XXXX status, this expected but wrongly calculated increase has severely cramped our budget for the month. 

I also have a hard time understanding their PLSF calculation. I was hired at XXXX on XXXX XXXX, XXXX. I worked for XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. Their calculation says I have 95 payments to go. I have been making loan payments, when not in school, since I worked for the XXXX. I will have 13 years of federal service in XX/XX/XXXX. At what point does the ten year forgiveness kick in?
Complaint sub-issue: Information belongs to someone else

Equifax refuse to do proper investigation and providing valid verification for inquiries fraudulently done in my name. I provided them my Theft Identity report which still came back verified. These following 10 inquiries are fraudulently reporting on equifax : 1. Dept of Ed ( XX/XX/XXXX ) 2.XXXX XXXX  ( XXXXXX/XX/XXXX) 3XXXX XXXX ( XX/XX/XXXX ) 4XXXX XXXX XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6XXXX XXXX  XXXX ( XX/XX/XXXX ) 7XXXX ( XXXX, XXXX, XXXX ) 8XXXX XXXX XXXX XXXX, XXXX-XXXX  ( XXXX XXXX ) 9.XXXX XXXX XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) 10XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Equifax refuse to do proper investigation verifying saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. Also, I have sent letters in XX/XX/XXXX and XX/XX/XXXX both times not being verified or showing proof.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX and I acquired a business, changed the name of the business, moved the business to a new address, and I operate my business as an XXXX. I recently began receiving rude and harassing calls from XXXX XXXX saying that I owe {$6500.00} for a debt that I have nothing to do with. XXXX XXXX called my business and ask for the owner and got my name from someone who works at my business and since then he has called and threatened to report me to the credit bureaus. I ask XXXX XXXX to email me any paperwork, bills, or contracts relating to this matter to show me that I owe him anything. He refuses to email me anything to prove that I owe him a bill. I do not owe anyone any past due balances and am clueless as to the bill that this XXXX XXXX is threatening me with, but because he is so aggressive and threatening, I am writing because he is threatening to place negative things on my credit report. I am respectfully requesting that XXXX XXXX provide proof that I owe him anything. I am also requesting that if he has nothing to show me that your bureau fine and discipline XXXX XXXX and his company to the fullest extent that is allowed by law. Last, I request that if XXXX XXXX can not provide any proof that I owe this bill, that he be told to stop calling me with threats. Thank you for your attention to this matter. 

The number to reach XXXX XXXX is
Complaint sub-issue: Problem during payment process

My wife and I have a credit card account with Citibank. In fact there are two accounts with them. This month my wife and I both submitted payments in the amount of {$370.00}. She made a payment on the XX/XX/XXXX and I made one on the XX/XX/XXXX. It is quite obvious that this is a mistake since both payments were in the exact same amount and also made one day apart. There was no notification that a payment had previously been scheduled. When I tried to have this corrected by Citibank I was given the run around. Transferred to numerous different people in different departments. They informed me that they needed to speak to my bank and I was not able complete what they needed because I am currently out of town on business and do not have access to all of the information I needed to allow my bank to give them the information they needed. This is a very simple mistake and they should simply correct it. They are purposefully making this difficult for no reason.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate theseitems within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigationdue to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the handsof the wrong person
Complaint sub-issue: Their investigation did not fix an error on your report

I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Equifax and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove accounts and inquiries, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXXXXXX XXXX date opened XXXX, XXXXXXXX XXXX XXXX  date opened XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I reported an account that does not belong to me to equifax which only equifax shows. And prove to them how its not mine and who it actually belongs to. They would not remove it from my report
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried multiple times to fix an inaccurate account on my report with experian. Acima credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for XXXX and Acima to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and XXXX XXXX agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, XXXX XXXX, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Complaint sub-issue: Problem getting my free annual report

I can not get my free annualcreditreport even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my annualcreditreport and I am seeking information on how I can get this report from all XXXX credit reporting company 's. By the free annualcreditreport.com which I believed to be associated with the United States Government under Federal Government approval.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Frequent or repeated calls

Management Capital United Holdings called me several times, they said my name and address and said they had my social security number ( when i XXXX them nothing shows up ) they called my place of employment and a relative. Ive never received a letter from this collection agency so i don't know any amounts or the original company. They've called five times this month and said they would press charges against me to the fullest extent of the law and I needed to govern myself appropriately. Ive tried calling them back but when I called I got an answering machine with NO company 's name until I followed the prompts and I got a voice mail again. They said my account has reached escalation and will be sending papers to my home in XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ), I opened checking account via their website on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. I contact USBank customer service twice in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Complaint sub-issue: Not given enough info to verify debt

I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 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. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I discovered that some of the item on my credit report were unknown when I reviewed it. I sent a letter on XX/XX/2022 to bureaus to remove account XXXX XXXX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any account or information not later than 4 business days after the XXXX XXXX Letter .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; XXXX & I am including it again.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX Received collections letter for {$890.00} from Jefferson Capital Systems LLC from a XXXX account. I called the number on the statement and was asked to verify my name, last 4 of ssn, account number, and address. The only information they could provide was they acquired the acct in XXXX of XXXX and that it was from a XXXX incident in XXXX. 

The same day I called XXXX collections at XXXX. I verified that my account was in good standing with a XXXX balance. I never was sent to collections. 

This is a debt that does not belong to me.
Complaint sub-issue: Debt is not yours

SOMEONE USED MT INFORMATION TO OPEN A FRAUDULENT ACCOUNT THAT DOES NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENMT ACCOUNT FROM MY CREDIT FILE THANKS.
Complaint sub-issue: Sued w/o proper notification of suit

About two years ago I applied for dept relief program with company named XXXX. They resolved most of my credit card accounts. Recently I found my self at dead end as I received multiple advertisement letters in my mail from different attorney offices offering me legal help and stating that I 'm being sued by Citi Bank. I contacted Citi Bank and they told me that Citi Bank does n't own this bank account anymore and I need to contact the attorney that is handling this account. I was given attorneys phone number. I contacted the attorney and they did n't give me any information. They said that Dept relief program is handling this case. I called XXXX then, and they said there is nothing they can do about it, they have not received any correspondence from the attorney. In order for XXXX to take any action, they need to hear from the attorney first. So here I am in a closed circle.Bank does n't give me any information, attorney does n't give any information and XXXX ca n't do anything about it. I do n't know who is saying the truth and how do I need to handle this. I did not receive one single letter from the bank offering any options of repayment and here I am being sued.
Complaint sub-issue: Their investigation did not fix an error on your report

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at Equifax, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that Equifax, XXXX and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.