Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, Equifax, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.
Complaint sub-issue: Information is not mine

I have a collection on my Equifax credit report that is inaccurate. I have disputed the charge several times through Equifax with no luck of having it removed. This same charge was found to be incorrect by a XXXX dispute investigation and it was removed from that credit report. I want it removed from my Equifax report as well.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020
Complaint sub-issue: Problem lowering your monthly payments

Over the years, by Nelnet, I was guided to forbearance without a clear understanding of the consequences of interest capitalization. I was told that my loan is simple interest. Even though I am financially prudent and astute, the true meaning of interest capitalization just became clear. 

My credit score went down 50 points from XX/XX/XXXX to XX/XX/XXXX, because my student loan debt increased. When I contacted Nelnet today, XX/XX/XXXX, for the first time, interest capitalization was clearly explained. Interest capitalization is the reason my loan debt increased, and my credit score decreased by 50 points. 

Also, Nelnet lost my Loan Forgiveness application for {$17.00}, XXXX. The forgiveness process, including when the application was lost and resubmitted, took from XX/XX/XXXX until XX/XX/XXXX. Nelnet accrued and capitalized interest during the time the application was lost and while the forgiveness process completed. A Nelnet adviser said today, XX/XX/XXXX that interest accrues at {$4.00} a day so for the approximately 6 months the process took from submission, being lost, and processed the accrued interest is approximately {$830.00}. 

Furthermore, I received two almost identical letters regarding a single forbearance. One letter was dated XX/XX/XXXX and the other XX/XX/XXXX. The 1st letter said the estimated interest to accrue was {$.00}. The second letter said accrued interest was {$4900.00}. Scanned copies are attached. 

Additionally, on XX/XX/XXXX, a Nelnet adviser said that my 10 year loan repayment was {$170.00}. After checking my account today, XX/XX/XXXX, I discovered that the payment term is 233 months instead of 120 months, is {$190.00} instead of {$170.00}, and I could pay more than {$20000.00} interest on a {$25000.00} debt. 

I need to make much higher payments to avoid further interest capitalization financial damage. This appears unethical.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Complaint sub-issue: Information belongs to someone else

Numerous inquiries are appearing on my credit report as a result of identity theft. These items we're disputed with equifax on XX/XX/2021 as a result of fraud. A total of 7 fraudulent inquiries appear on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

Equifax data Breach. My data was part of the breach.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I discovered XXXX XXXX had been re-inserted into my Equifax credit file. You are required to notify me within five ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. Equifax is in VIOLATION of Federal Law 15 U.S. Code 1681XXXX. My federally consumer rights has been violated. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations, if this account is not Deleted from my account IMMEDIATELY.
Complaint sub-issue: Account status incorrect

I was on forberance dor several years following the information that was given to me by XXXX and the years in a row i have in total i have XXXX late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.
Complaint sub-issue: Problem accessing account

They block access to my account when overdrawn from everything online I can not view my statements when my account is overdrawn and they refuse to acknowledge the problem.
Complaint sub-issue: Investigation took more than 30 days

Here are three entries on my credit report that I received a notification they were being deleted. The first date is the date I received the removal notification. All three of these accounts have magically appeared back on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the date on this account is XX/XX/XXXX - isn't that too old to be on a report?
Complaint sub-issue: Threatened or suggested your credit would be damaged

Although the Cares Act preventing creditors from reporting past due payments, charging late fees or penalties, Creditors are claiming that has ended and has now attempting to force consumers to somehow pay the amount or else. Not only does this place society in danger, but has negative affects on credit at no fault of our own. Creditors were ask to provide extended time, forbearance, and any other remedy to assist consumers with a worldwide nation health crisis. I am asking that Kashable remove all negative reporting.
Complaint sub-issue: Information is not mine

Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Debt was result of identity theft

Contacted the company and credit bureaus regarding reporting issues.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made an online purchase at XXXX on XX/XX/XXXX for a new oven to be installed on XX/XX/XXXX but received notice it would be delayed to XX/XX/XXXX due to back order. My Home depot Citicard charged me on day of purchase rather than day of delivery in the amount of {$1200.00} on XX/XX/XXXX and began accruing interest plus install fee for an item where delivery date is now unknown. I called CitiCard to explain that I shouldnt be charged until item is delivered and installed as paid for. I dont agree with charging the customer for items with no firm delivery date but rather when item has been received and installed with purchase paid for. This is the normal process for XXXX XXXX and XXXX amongst others. Is this legal to have to make payments without receiving the actual item. Most others dont charge customer until item is delivered.
Complaint sub-issue: Information belongs to someone else

A XXXX XXXX XXXX credit card account appears on my Equifax credit report, I have been trying to fix it since XXXX, its XXXX and the problem is still not solved. I have been into the bank, spoken with a banker, they wrote my a letter saying that It was going to be fixed in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

BANK XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND US BANK XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Complaint sub-issue: Was not notified of investigation status or results

These are blatant lies. I never and repeat never received any documentation on how they verified this inaccurate information. I have sent letters asking for their method of validation and received no reply and followed up with a letter demanding them to comply with my request or remove the inaccurate information. To this date, I haven't received the documentation and I am demanding this inaccurate information be removed immediately.
Complaint sub-issue: Received bad information about my loan

I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.
Complaint sub-issue: Information belongs to someone else

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Complaint sub-issue: Information belongs to someone else

I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.
Complaint sub-issue: Was not notified of investigation status or results

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX CT XXXX, FL XXXX Resident XXXX family I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX CT XXXX XXXX FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident XXXX complex XXXX XXXX XXXX XXXX, GA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and XXXX  and Equifax have failed to delete the mentioned items.
Complaint sub-issue: Received bad information about my loan

In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 Equifax 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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 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: Other problem

Citi has implemented an authentication mechanism that requires the customer to have a telephone number to receive a voice call or text message to process rewards redemption requests. Not all customers have a phone that can be called or texted. When I contact Citi, I do so from my employer 's phone system, which can not accept inbound calls. In the past, Citi allowed me to authenticate by sending a one-time passcode ( OTP ) to my email address. This option has disappeared. 

There exists free and open-source technology that is regarded as the strongest form of authentication, widely adopted among companies across the internet, and easily to implement. XXXX XXXX describes XXXX XXXX XXXX Passwords. These can be scanned with an app on a mobile device to establish a secure mechanism for authenticating, that doesn't depend on a customer having a cell phone and doesn't require customers to pay for cell phone service. This technology has been available for over a decade. There also exists a consortium of companies that have developed other authentication mechanisms that do not depend on cell phone service. ( See XXXX XXXX XXXX XXXX XXXX and reference XXXX, XXXX, XXXX. ) There is nothing in the contract that I initially signed that requires me to have or maintain cell phone service. Citi should not be able to prevent me from distributing my rewards points without a cell phone, especially given that the transfer is to a bank that is already on file and has been routinely used to redeem rewards. 

In XXXX of XXXX, XXXX published a recommendation that companies stop using SMS and voice calls as a form of XXXX, as they are the least secure method of XXXX available today. ( See https XXXX XXXX XXXX XXXX XXXX XXXX  And in XXXX of XXXX, the FBI issued an alert, XXXX, which described the rise of XXXX swap attacks being used to steal millions from companies who are using SMS and voice calls as a method of authentication. ( See XXXX  : XXXX for the alert. ) Some of the largest hacks of the past XXXX years have been the result of compromise to SMS and voice call authentication mechanisms. The risk is not remote. 

To require a cell phone to be used for authentication is not only an inconvenience to those who do not have one, but it puts Citi 's customers at risk by involving wireless carriers as part of the process. This is an undue burden that should not be imposed on Citi 's customers, and it must not be an excuse for holding up reward point redemption.